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I have had nothing but trouble from Lloyds over the years and after a particularly bad stint I moved over to Natwest but left an overdraft on the Lloyds account. I have agreed with Lloyds to reduce it by £x amount each month They have said they will stop anymore charges going on to it and are reducing the overdraft limit each month by the amount I pay have agreed to pay in.
Guess what! When they reduce the overdraft they send me a letter to tell me that I am over my overdraft and charge me for it even though I am not using the account, it does say that they have been very nice and made all my payments? (I don’t have any) my overdraft is increasing instead of going down!
The Incompetence that the bank has shown over the years beggars belief. They once charged me over £900 in one month for a problem they caused by removing my overdraft without warning 3 months early and it took me over a year to get it back as a ‘goodwill’ gesture
The last time I spoke to someone they even said that looking at our ‘file’ I shows there have been mistakes made!
As I have moved away it is quite fun talking to them as they don’t seen to know how to deal with anyone they can’t threaten by saying they will take away cheque book and cheque cards etc etc
I am sure that when I work it out the amount they have charged me over the years will more that cover the my overdraft.
Posted DPA letter on the 9th and had not got any feedback so e-mailed a copy
got the standard reply
Thank you for the e-mail.
I acknowledge your request for copies of statements/charge transactions on your account since 8th February 2000.
Your e-mail has been passed on to the Manager of the Service Recovery Unit and I have asked that he notes your requests and arranges for a response to be sent to you at the earliest opportunity.
Regards
Keith Boden Lloyds TSB - Service Recovery
Birmingham
I have just had a very odd conversation with Lloyds. They sent me a letter today saying that they are giving me notice on withdrawing my overdraft! I phoned them up and the bent over backwards!! The friendliest and accommodating they had EVER been. Had they been in to room I think they would have been bowing!! ‘We will freze all the interest’, “We will credit charges (as a goodwill gesture)” , “I will put everything in writing” , “Very sorry!” , “ If you want to take this further I can give you the number!!!!!!”
Amazing what a bit of bad publicity and no doubt a note on my account can have
Hi, just wanted to share a classic Lloyds TSB scenario. I went slighly over my limit - they bounced DD's - before I know it I have £90 of charges. I'm over my limit (caused by them) they bounce more DDs before I can cancel them. £270 later, they put me through to lovely "we ripped off the customers with charges - now we'll be nice to them" dept. They agree to a new OD limit reducing by £50 per month to pay off THEIR costs.
I do as agreed - reducing by £50 per month over 6 months. My agreed limit is £400. I pay off £50 til I get back to the £400 limit. But mistakenly the take the last payment of the WRONG amount which takes me to £370.00OD. I have carefully managed the account not to go over £400 - but they now charge me cos I'm over their new £370 unagreed limit.
What a pile of muppets. It tool 4 calls to India and beyond to get someone to admit they were wrong and refund the charge.
I really do have better things to do with my time.
Glad I have £2500 case aginst them. Cant wait to recover every single penny.
As we all seem to be getting standard responses to our requests even though some of our requests are different. Is this yet more evidence in our favor that all 99% of communication is automated etc?
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
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I got a letter from Lloyds today, I had not sent £10 as reading the post it looked like Lloyds waived the fee... All has changed
Reference Number: 1XX
Dear Mr Mal
Copy Statement Unit Account Services Group Operations
Swallow House
PO Box 139
10, Swallow Street
Birmingham
B12AL
Telephone: 08450707124
Facsimile: 08450707107
Your request for information under the Data Protection Act 1998.
Thank you for contacting Lloyds TSB Bank pIc to request transaction listings and details of events requiring manual intervention.
We will be pleased to provide this information on your account. If you require information on any other products or services (e.g. from Lloyds TSB General Insurance or other Lloyds TSB Group companies) please let us know.
As permitted by the Data Protection Act, the fee for providing personal information is £10. I would be grateful if you could please sign and return the enclosed copy of this letter in the prepaid envelope I've provided as your authority to debit your account with the fee or alternatively send us the appropriate amount by cheque. We require a cheque made payable to Lloyds TSB Bank pIc - please don't send cash.
Under the Act we are allowed up to forty days to fulfil your request starting from the receipt of the fee.
I look forward to hearing from you soon.
Yours sincerely,
Chris Brown
Copy Statement Unit
Mr Brown your cheque is in the post
What I found interesting was the reference number in the Hundreds!
Well another 40 Days but I am in no rush :twisted:
I had that exact same letter. I also emailed them a few days back with a copy of the DPA request. They e-mailed me back with the following:
Dear Mr Intersimi
Thank you for your e-mail's dated 19 March 2006 and 23 March 2006.
Unfortunately I am unable to add any further information to Mandy Horton's letter dated 10 March 2006 and can only refer you to the terms and conditions of your account. However, I respect that you have your own opinion about our charges.
Regarding your request for details of charges on your account since March 2000, I can advise that I am prepared to accept your request under the Data Protection Act. However I should point out that there is normally a £10 fee for information requested under Data Protection, although I am prepared to waive this on this occasion. I have asked for copy statements to be produced for the period in question, which will highlight the charges you have referred to and I will send these to you within the next three weeks, which I trust will be acceptable.
This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have attached a leaflet, which outlines how to contact them.
I got the same letter for forgetting the £10!!
My reference was 40 something, with "DSAR" written in what looks like an almost ran out red felt tip pen.
The damaged package is becoming a regular occurance, and has been discussed elsewhere.
On the other issue it looks as though they have admitted that they have not manually done anything with those transactions - useful stuff, if they are daft enough to defend.
Alan, Derby, UK.
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Advice given is purely my opinion, and is not based on any legal training.
Only four cases of manual intervention since the account was opened in 1997..
1. returned bank charges in 1999 - £75
2. messed up traveller cheques refund
3. DPA req recvd
4. DPA chase and chq recvd.
All the other 10 pages were full of STDLET or similar!
I calculate that at approx 30p postage, less than 1 pence per sheet of paper and less than 1 pence for the ink, say 2 pence for computer programme time... thats a hell of a lot less than £20-£30 charge!!!!
I have been working on a spreadsheet to work out the interest that the bank have charged us on the money they have taken from us and would like to run the thinking by somone
This is my thinking
for each charge also put on the sheet you ballance at that date if in OD
if the OD Ballance is more the the charges so far work out the interest cost on the charges so far. If the OD Ballance is less the the charges so far workout the interest cost on the OD
I know this is by no means perfect but I can't see any other way of working it out
Mal
Lloyds, DPA Letter issued 9/3/06
Lloyds, Preliminary approach letter issued 11/4/06
Not quite sure what you are getting at here. Are you trying to calculate the interest that you think the bank should have paid you on the money it took? If so, then you cannot realistically claim this until the claim goes to court...
However, if your statements have 'Interest Charges' as an item, then, whilst the bank is entitled to charge interest on an overdraft, unless it gives a Breakdown it is next to impossible to calculate what interest the bank is entitled to.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Yep it's the interest that we have been charge by the banks I am trying to work out. And yes it's impossible to work out. But I think my aproach will show that you have done your best to work it out if/when it goes in front o a Judge. And it's just as impossible for the banks to work it out and say no it's not
Mal
MODERATED post moved ... please stick to your original thread this is for everyones benefit.
Lloyds, DPA Letter issued 9/3/06
Lloyds, Preliminary approach letter issued 11/4/06
The simplest solution is to put the interest charge claimed by the bank on your claim. If they wish to dispute this, and are able to demonstrate the proportionate interest payments, assuming that you agree with them then claim for the banks figure...that would look really good to a judge.
Good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Mal v Lloyds
over the years and after a particularly bad stint I moved over to Natwest but left an overdraft
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Re: Mal v Lloyds
Interest
