Lloyds TSB Credit Card

**Bettyboop** · 3rd August 2006 19:24

Hi All

After reading this site for a long time, have finally decided to take the plunge and post. I'm trying to claim back charges from a Lloyds icon

TSB Credit Card account (so I hope I am posting in the right section). Asked for the statements way back in March this year, finally received some on 5 July (August 2002 to March 2006) with a letter saying the rest would be with me in due course. I rang the office today and was told they had no record of statements prior to August 2002 (not just mine apparently but everyones?). Has anyone else out there been told this? I seem to have been waiting forever and now want to just go ahead with the statements I have? Any advice would be really appreciated.

Thanks

Similar Threads:

**Karnevil** · 4th August 2006 07:39

You have been waiting a long time..... you could always begin with your prelim letters for the amount you have the statements for and estimate an amount for the two years you don't know ???

**Bettyboop** · 4th August 2006 09:53

Thanks Karnevil. I'll go ahead with what I have. Will do up my prelim letter today.

**ukaviator** · 5th August 2006 09:58

Hi Team... Just got back all of my records from the Lloyds icon

TSB Mastercard dept.
I have everything from June 2000 to July 2006, so they do have records. I am claiming back £321.52.The address i used is :

Customer Care
Lloyds TSB
125 Colmore Row
Birmingham
B3 3SF
They seem to answer all mail regarding my claim.I will keep up to date with my case.Good luck with the claim.

**Janet-M** · 5th August 2006 13:47

ukaviator can you please start your own thread and update in there , thank you

**Bettyboop** · 7th August 2006 22:39

Just to update on my missing statements. Found some email addresses on this site for Lloyds icon

TSB and sent an email to them all, asking for an explanation re my statements. Got a phone call icon

from TSB and was told there had been no activity on my account previous to August 2002, hence no statements dated before that. But they are wrong, and I got my bank statements out and there were payments to TSB before August 2002, and the first statement I have from them gives a balance of approx £1000, a payment of £40 and a late payment charge of £18? Obviously if there was no activity on my account before that date, then where did that balance come from? In all fairness, the girl I spoke to was actually very nice and agreed that there must be more statements, and has promised to get back onto that department and try to sort this out for me asap. Have decided to wait until Friday, if no response by then, I am just going ahead with the statements I have and an estimate for the rest.

One thing it has shown me is that Lloyds TSB can't be trusted. When I rang last week the guy on the phone quite happily told me no more statements for me, more or less tough. When I asked if it was just my account, he said no, it was everyones. Wish I had taken his name now!

Anyway, come Friday, full statements or not, letter and schedule of charges goes off.

**Bean** · 8th August 2006 12:17

Originally Posted by Bettyboop

Just to update on my missing statements... Obviously if there was no activity on my account before that date, then where did that balance come from?...When I rang last week the guy on the phone quite happily told me no more statements for me, more or less tough. When I asked if it was just my account, he said no, it was everyones...Anyway, come Friday, full statements or not, letter and schedule of charges goes off.

Hi Bettyboop, in June 2006 I received Lloyds icon

TSB credit card statements back to September 2000 - my thread for this is Bean's Timeline (MasterCard).

Also, when speaking to Capital One icon

, one of their staff was able to tell me the total number of charges and the cost per item prior to Capital One sending a reply to my Data Protection Act Subject access request icon

. This gave me an accurate total for charges to claim in my Preliminary Approach for Payment letter {but I will have to notify the exact figure for credit card interest on those charges when I receive my DPA(SAR icon

) info}. What I am suggesting is that you might phone LTSB and find someone who can tell you what the total is, and perhaps ask when the charges occurred, even though they are not giving you the statements for 2000-2002. See also "Bean's Timeline (Capital One)".

Hope this helps.

**Bettyboop** · 8th August 2006 12:39

Hi Bean

Thanks for your help. Its really frustrating because I have been trying to get my statements off them since March. This time though after speaking with a member of their more senior staff, I am hopeful of finally getting the rest of them. However, I definitely am going ahead and including an estimate for the missing statements if no information is forthcoming by this Friday. They do tend to be giving me the runaround! Can only let it run so long. Good luck with yours!

Betty

**Bettyboop** · 9th August 2006 17:57

Another call from Lloyds icon

TSB today (Wednesday). If the statements haven't been sent by around 23 August ring them back and they will get onto their archive department again (they are supposed to be chasing them up at the moment). Had enough. Preliminary Request for payment sent today - can always amend figures if missing statements ever arrive.

**Bean** · 9th August 2006 20:15

Originally Posted by Bettyboop

...Its really frustrating because I have been trying to get my statements off them since March...They do tend to be giving me the runaround! Can only let it run so long...

Hi Bettyboop,

Have you read and considered this thread?:
http://www.consumeractiongroup.co.uk...n-act-non.html

They are required by law to comply within 40 days. It is your choice, but I would certainly be sending them a 7-day letter to push this along.

Good luck,

**Bettyboop** · 9th August 2006 23:06

Hi Bean

Thanks. I hadn't noticed that thread before (wish I had). I probably should have sent this long ago, but Im afraid I let them string me along. Everytime I rang, 'they'll be with you shortly etc'. I have kept all the letters (dating back to March 2006) promising they would be with me at the earliest, taking longer than anticipated etc. I am hoping that these will be enough evidence to prove that I have really tried my best to get the statements, and they have just been obstructive (right down to telling me last week there were no more for me!). Do you think I should send the template letter anyway but just go ahead with the court claim. I am getting tired hanging around waiting for them and I almost feel like giving up on it (Ive had the same problems with cap one icon

)? Story of my life - always more complicated than it needs to be lol

Thanks again for taking the time to help out

Bettyboop

**Bean** · 9th August 2006 23:44

Originally Posted by Bettyboop

Do you think I should send the template letter anyway but just go ahead with the court claim.

Yes.

If you have to amend your county court icon

claim figure, you can do that and add the cost of the amendment icon

(I may be mistaken, but think it's £35) to your claim. Check on how and when you can make an amendment, and what it costs, with the court staff / moneyclaim helpline when issuing your claim.

**Bettyboop** · 10th August 2006 00:19

Thanks again Bean. I'll do that. I was just reading your last post on your TSB thread. You really do have a way with words in those letters and I admire you for your courage. I prob shouldn't admit this on here but I would have been very tempted to accept the offer. You deserve to win and I'm sure with letters like that you will. Brilliant job!

Bettyboop

**Bean** · 10th August 2006 09:54

Good luck Bettyboop and thanks for your kind words.

Regarding the offer on my ltsb icon

claim, my consequential losses amount to several thousand pounds:o .

Now you know that, I suspect you would do exactly as I have

.

**Bettyboop** · 19th August 2006 12:00

Reply received from Lloyds icon

today in response to my Preliminary Request for Repayment. In so many words - bog off! Will send the lba icon

. Still waiting for the rest of my statements............... ....

**Bean** · 21st August 2006 11:21

Your claim is moving forward as expected Bettyboop - try to prepare your letters/claim in advance so you can stick to your timescale.

Keep one step ahead of the game by researching ahead before you get there.
Well done.

**Bettyboop** · 21st August 2006 18:57

Thanks Bean. Getting replies to posts is one of the really good things about this site (and all the advice of course). Stops us giving up sometimes I think!

Cheers again

Bettyboop

PS - if you are going on hols have a great time (noticed your post)

**Bean** · 21st August 2006 21:09

Thanks Bettyboop,

Keep your chin up. Surely there is never a good reason to give up your claim.

I won't be around for about 10 days but there is lots of support here - just wait and see who turns up in my absence

.

**Bettyboop** · 27th September 2006 19:29

Hi all

Just to update thread -

Claim submitted today for total of £556.79 (includes int and fee)

Another clock ticking ........ starting to feel like Captain Hook!

**Bean** · 28th September 2006 09:08

Hi Bettyboop!

Step by step to restitution icon

,

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