Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hello. I'm Vital Spark or VS and this is just to say, "Hi", and thank you to all for establishing this site to help us all.
I would also like to thank 'Lula', from our chat yesterday, for her help in finding the necessary information for reclaiming bank charges from Lloyds TSB (Scotland).
Should I presume that in Scotland this would be "Lloyds TSB Bank (Scotland) plc"
I don't want to give them the chance to return my letter. As a dyslexic, I find this sufficiently difficult as it is.
Lloyds TSB (Scotland) plc recently (last couple of weeks) charged me £35 for a returned DD. The manageress (Jennifer) told me that she couldn't waive the charge. I thought the banks had been told that £12 is now the maximum they can charge. Am I wrong AGAIN?
My daughter just phones her branch in Glasgow and, as soon as the manager comes on the line, laughs and says, "Another charge to be waived/ Okay it's done".
Thanks for this Reload. I'm really aprehensive about starting this claim b ut simultaneously feel that Lloyds were exceptionally harsh and unhelpful when I was in the middle of a rather nasty insurance claim in 2004, so I reckon I should chase them. Why should they be allowed to keep money which should rightfully be mine?
During that spell of turmoil in which my health was affected as well as my home, I was going in person to the nearwest Lloyds branch (couldn't live in my home so was put up in alternative accommodation) with letters from my insurers stating what cheques, with the amounts, they were issuing to me but the bank wouldn't budge one inch regarding helping me out. They slapped charge after charge on my account during that claim time adding to the thousands of pounds out of which the the insurers "did" me.
I supose the dyslexia doesn't help my confidence in successfully handling such a claim.
The help of all you generous people on here is invaluable to me. Thank you all very much indeed.
Looks like its gotta be no deal..........Have you sent the letter before action ?
if so then its time for the only word they will respond to COURT.......
Sorry lottie36 for hijacking your thread for this matter. I can't seem to find the means of starting a new thread. Perhaps someone will be kind and either reposition this thread or will direct me to starting a new one.
Can anyone advise me as to which of the following letter templates is best to use for the initial letter to my branch of Lloyds TSB (Scotland) plc?
[date]
[My address]
[Bank's Address]
Re: Accounts numbered: ######## & ########
Dear Sir/Madam,
I request that Lloyds TSB (Scotland) plc provides me with details of all default charges for unauthorised overdrafts and unpaid direct debits and standing orders paid by me over the last six years.
Lloyds TSB (Scotland) plc, I understand, is obliged to provide this information under the Data Protection Act 1998.
I look forward to hearing from you within 40 days.
Please supply me with a complete list of transactions and charges relating to my banking history, over the past 6 years, with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
In addition, where there has been any event in my account history, over this period, which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes, which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.
Should you be unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.
I enclose the statutory maximum fee of £10. Lloyds TSB (Scotland) plc have 40 days in which to comply with this request. Furthermore, if I discover that you have levied disproportionate penalties against me, I shall be reclaiming them and also reclaiming the enclosed £10 Data Protection Act Subject access request fee.
If there is specific information, which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one to which you normally communicate my private business and which you have hitherto found to be acceptable.
I would be happy to collect the Data from my local branch.
Yours faithfully,
[signature]
[customer's printed name]
????????-ALSO-????????
To whom should I make the £10 postal order payable?
Use the second one its the CAG temp.
Make the cheque to Lloyds Tsb Plc.
I have moved your post accordingly.
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Have you got all your bank statements to calculate your charges? If you click on the link below it takes you to the spreadsheets that help you to calculate the total and the interest. It is actually in Google but has been set up by Vampiress. It takes you to her chambers, where Vamp or someone else will often be found and can help you through. Spreadsheets might sound scary, as might Vampiress and her Chambers, but the only ones who need to be afraid are the banks. It is all designed to make it easier for people who are not used to doing this kind of thing. Keep us posted on your thread about how you get on.http://www.consumeractiongroup.co.uk.../post-750.html
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Thanks for establishing this thread for me, Martin. You can't know how much I appreciate your help.
If it's possible to send or post a pic on here, I'll send one. Got another two cakes to make today.
1) for a friend's wee laddie and
2) for my daughter. Got her birthday date mixed up with her age. Age is 24 birthday's on 27th. Wheeeew! reprieve. Haven't decided exactly what decoration for her cake but that usually develops as I make it, anyway, so unperturbed as yet.
You'll have to direct me regardiing or uploading pix.
Don't get any ideas of relaxation, btw. I'll be keeping you all busy.
Don't get any ideas of relaxation, btw. I'll be keeping you all busy.
Hmnnnnnn ......of that I am sure !!
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
ACCOUNT NUMBER: ######### (or multiple numbers if more than one account)
Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.
If you are unable to supply this data because there has been no such manual intervention, please be so kind as to confirm that this is the case, in your response.
Please find enclosed the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act Subject access request fee.
Should you require further, specific information in order to satisfy yourself as to my identity, please let me know by return? However, please note that the above address is the one to which you normally communicate my private business and which you have hitherto found to be acceptable.
Subsequent to receiving word that they are in possession of the requested information, I would be happy to collect the Data from my local branch.
Yes this is fine ...you have done the right thing.
Dont forget your account number.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Thanks Martin. I am not sure to where I should be sending this letter. Should it go to Lloyds TSB (Scotland) plc headquarters (whatever their address) or my local branch?
I have put the address of my branch in the heading but I thought to hand it in at my local branch and request a receipt so that they cannot claim it was enver received. Not that I don't trust the bank cough, cough .
We'll orgnise something, regarding the other matter, when you get back to me on the pm. Okay?
Okay. Time for that lack o' peace, Martin, and anyone else willing to help bop the banks.
Now remember, I need foolproof guidance a la mode d'eejit:
1) to where and whom do I address this initial, S.A.R - (Subject access request) letter requesting the information in accordance with the Data Protection Act 1998? I propose hand delivering the leter to my local branch although they are not the branch which holds my account but they are always telling me that I can conduct my business in any branch. I'll be asking for a receipt.
2) to whom do I make the postal order payable?
3) can I reclaim form bank accounts which I haven't used (presumable they're closed,) in a number of years (since 2000 maybe 2001)?
4) what about business acounts which have been long closed?
Yip, I did rememebr to inlcude my account numbers in the letter, Martin You're getting to know me. ;-)
Okay. Time for that lack o' peace, Martin, and anyone else willing to help bop the banks.
Now remember, I need foolproof guidance a la mode d'eejit:
1) to where and whom do I address this initial, S.A.R - (Subject access request) letter requesting the information in accordance with the Data Protection Act 1998? I propose hand delivering the leter to my local branch although they are not the branch which holds my account but they are always telling me that I can conduct my business in any branch. I'll be asking for a receipt.
2) to whom do I make the postal order payable?
3) can I reclaim form bank accounts which I haven't used (presumable they're closed,) in a number of years (since 2000 maybe 2001)?
4) what about business acounts which have been long closed?
Yip, I did rememebr to inlcude my account numbers in the letter, MartinYou're getting to know me. ;-)
Ok you will be ok with your local branch in fact read this
Yesterday, 03:59 andyrace vbmenu_register("postmenu _338023", true);
Basic Account Customer
Join Date: Aug 2006
Posts: 14
Re: Lloyds customer service restructure - new contacts
I sent my data protection act letter to my local branch. Got my statements in 3 weeks.
Make the postal order to Lloyds Tsb Plc in fact they are printed off for you these days at the post office.Make sure you keep the reciept for the postal order as you will need this to cash it if they return it (unlike the old style )
Yes you can go back 6 years......this should be taken from the date you first told the bank you were aware of the unlawful charges and have evidence to support that ie letter to them.
Closed accounts are ok to claim whether open or closed.
Now theres enough to keep you busy.
Unfortunately I will be away for a few days attending to some personal stuff however I am sure Olliebear will advise you if you get stuck !....
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Well, I handed in my letter today and I have a receipt for it.
The girl at the desk was so nice, pleasant and even encouraging. She went, of her own volition, and checked to see if I'd had any other accounts with the bank so that I could include them. Then she wished me luck as I left.
She said that she thought Lloyds weren't taking the £10 fee from folks but just sending the statements. I told her to take the postal order anyway and that they could give it back if that was their policy.
Oh well, that's one down.
See if somebody had a Visa card, which got way out of hand, and the bank transferred the balance to a loan , what happens there? It was a debit with, eventually, an OD facility wot got well over the limit at one point, although my branch knew about it as it happened.
Just wait to get all your info and we can go from there, in the meantime read the longer threads in here to give you an idea of what to expect, if you need any help just let me know....
What's the word on how far back our reclaiming goes? Are we resrticted to the 6 years?
So far, I've received conflicting reports.
Vital spark v Lloyds Tsb 2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.
I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.
Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.
Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.
Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.
Just go back 6 years for now VS. When you have all those charges back, then try for the rest in a seperate claim. That way if the second claim fails, at least you will be assured the six years worth.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
Thank you and hi!
TSB (Scotland).
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Re: Subject Access Request: Data Protection
Originally Posted by reload
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Re: 
