LLoydstsb here I come! - Un1boy vs LTSB ** WON **

**un1boy** · 20th June 2006 22:33

Well,

I've sent ym DPA request off with my cheque. I'm gonna take this one slow though guys coz I;m in the middle of a claim at the mo and wanna get that one sorted first. Just interested to see how much ltsb icon

have charged me.

I'll keep you updated though.

Similar Threads:

**Bean** · 21st June 2006 14:43

Welcome to the forum Un1boy,

You are right to take it steadily. Being methodical in your approach should keep any claims running smoothly.

For each account it's a good idea to find out what has been taken and then take a view on what you want to do with that information. For example, you can prioritise which accounts to claim on first based on their value, interest icon

rate, or hassle-factor.

**closey** · 23rd June 2006 13:39

Well said Bean. Who is your other claim against?

**un1boy** · 23rd June 2006 14:28

Exactly Bean, thanks for that info!

I am currently persuing a claim with HSBC icon

and have just the DPA to Egg icon

as well, I'm collecting all information from as many accounts as poss, so we'll see.

I am at the lba icon

stage with HSBC - jsut actually sent it today, so they've got 14 days to reply and offer me a settlement!! Fun, fun, fun!

I'll keep you posted!

**Bean** · 24th June 2006 00:05

closey - I have another claim against Lloyds icon

TSB (MasterCard). After that it will be the usual suspects: Capital One icon

, etc.

un1boy - good luck

**un1boy** · 28th June 2006 07:43

Well, sent my DPA request to Lloyds icon

with the cheque. They received it 22.06.2006. It's been a week now and still not heard anything - can I start the 40 days from the date they received it because I've got recorded delivery proof? Or do they actually have to cash the cheque first?!

**Bean** · 28th June 2006 08:48

Hello un1boy,

I believe you can count the 40 days from when they receive your letter. The £10 fee is the statutory maximum and they may or may not choose to take it. Sometimes they do, sometimes they don't.

In my DPA letter I gave authorisation for them to take up to £10. They sent the information on my current account at 18 and 20 days (in two batches) and they debited my account by £10 just afterwards. My credit card info requested on the same DPA letter arrived at 43 days in a torn brown paper envelope, with my personal details open to view.

For both current account and credit card, I prompted them after about 14 days, to help them meet the deadline as it is in the interests of both parties to make sure this happens. If you choose to send them, you may wish to emphasise to the bank in your prompting emails that they are required to send your data in a protected fashion (e.g. well packaged) - this is under the Data Protection Act after all. Presumably the encompassing Freedom of Information Act means freedom of information to you, the person they hold information on, not freedom of information to all and sundry.

**un1boy** · 28th June 2006 09:47

fantastic, thanks for this. I'll send them another letter next week!!

Bring it on!

**un1boy** · 3rd August 2006 08:57

Rite guys, at last progress - I have received my charges list and a lsit of manual interventions!!

They have taken 862.00 so I will be sending Prelim tomorrow!!

**closey** · 3rd August 2006 10:01

When you say a list of manual interventions, what exactly does this list say?

**un1boy** · 3rd August 2006 10:41

It's a list of "customer noted".

It looks like this:

[DATE] MO STDLET
LU906 First Class Central

There is a list of explanatory notes too, this basically means that a Mail Out (MO) of a standard letter (STDLET) was sent to me on that date. I think thats my statement as there are loads of these. There are a couple indicating when I opened my account and also when I closed one of my other accounts.

Does this help?

**elsinore** · 4th August 2006 02:20

Originally Posted by un1boy

well done with the claim!!

Is Mjanet's thread on the Lloyds icon

section?

I know you can search for all their threads, but how do you do that?

At the top of each page you see the word 'search' in the blue bar. Click on that and enter your searchword(s) in the drop down box. Click 'go'.

But to save you time

http://www.consumeractiongroup.co.uk...ghlight=mjanet

Elsinore

**un1boy** · 4th August 2006 11:13

Originally Posted by elsinore

At the top of each page you see the word 'search' in the blue bar. Click on that and enter your searchword(s) in the drop down box. Click 'go'.

But to save you time

http://www.consumeractiongroup.co.uk...ghlight=mjanet

Elsinore

Thanks for this!! How great?!

posts no 12 and 13 have been moved here from someone elses thread so as not to hi-jack it.

**saj** · 4th August 2006 12:02

Well done Topgeeza! Great news! As Bookworm said I have found mjanet's thread the most comprehensive on the subject of Ts & Cs. Not quite there yet mind you, I got my Notice of Acknowldgment of Service dated 14th July, so was about 4 days behind you at that stage. SCM are the solicitors. Still no aq icon

for me though. Maybe they're all on holiday icon

as you said before! Enjoy your good news! Saj x

**un1boy** · 4th August 2006 17:27

Thanks mods!

Originally Posted by un1boy

It's a list of "customer noted".

It looks like this:

[DATE] MO STDLET
LU906 First Class Central

There is a list of explanatory notes too, this basically means that a Mail Out (MO) of a standard letter (STDLET) was sent to me on that date. I think thats my statement as there are loads of these. There are a couple indicating when I opened my account and also when I closed one of my other accounts.

Does this help?

Closey: Does the above help?

Has anyone else received this sort of information?

**saj** · 5th August 2006 22:13

Originally Posted by saj

Well done Topgeeza! Great news! As Bookworm said I have found mjanet's thread the most comprehensive on the subject of Ts & Cs. Not quite there yet mind you, I got my Notice of Acknowldgment of Service dated 14th July, so was about 4 days behind you at that stage. SCM are the solicitors. Still no aq icon

for me though. Maybe they're all on holiday icon

as you said before! Enjoy your good news! Saj x

Crikey Un1boy...must be going mad...not sure how I managed to post this in the wrong thread....sorry:?

**un1boy** · 7th August 2006 09:20

No probs!!

How's it all going your end anyway?

**saj** · 7th August 2006 09:46

All good thanks...just sitting tight waiting for my Allocation Questionaire. Good luck with it...I'll keep an eye to see how you get on
Saj x

**un1boy** · 11th August 2006 13:30

Just an update - Lloyds icon

received my prelim MOnday 07.08.2006 and I got a reply today, you know the usual fob-off letter "I'm sorry you have made a complaint, we will get back to you in 18 months!" lol.

Now, my question - they have been quicker than I thought and my first deadline expires 21.08.2006. Should I wait until this date? I was reading through this forum yesterday (well, I do everyday - seems to be all I do online now, whcih I don't mind at all!!!) and it clicked to me that we actually give the bank(s) 28 days to sort it our amicably (14 days first letters + 14 days second letter). Is this significant or should I issue them with the lba icon

now?

I know people seem to haev different views on this and I am tempted to leave it, however I am just impatient and would rather get this over with asap. It's the whole court thing though - would a judge look unfavourably if I haven't given them the FULL 28 days to think about it? Or is it sufficient to act on their reply.

I was just thinking that, if the role was reversed they would guive us 28 days to reply, but once we have replied they can issue the next steps can't they? I would have thought the 28 days just gives them enough time to reply but once they have replied the deadline can change?

I didn't have this problem with HSBC icon

- they replied to all my letters one day before the deadline, so I just waited, lol.

Any thoughts?

Thanks guys.

**adamski** · 11th August 2006 19:21

Wait the time you gave them 14 days between each letter, stick to your deadline thats the deadline you have set so i would stick to it.
Regards
Adamski

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