A Couple Of Queries ***WON!!!!!!***

**Laura Cooke** · 24th October 2006 21:07

Thanks from another member for pointing me to where to post been looking all day. Wanting to help son who as learning/physical disabilities he as an account with Lloyds icon

Tsb for last couple of years hese had an account he pays £7 a month for he gets free Breakdown icon

for his scooter and insurance for his mobile etc.

He as a £700 overdraft icon

he has gone over the agreed amount on a few occasions and had charges On October 1st he had a £70 charge and a £90 charge he complained and the manager who is a lovely chap said he could give him one back but that was all he was allowed to do, he also prewarned him that a further charge of £90 and £10 was due on 1st November for a returned direct debit icon

and going over his overdraft, from viewing his account on line I cannot see anywhere where is only direct debit of £13 as been returned, and he as nearly always put is account back into credit before end of banking on the day

I want to help him and know that he as had 2 different accounts in last 2 years as the manager said his 1st account was for children and that he shouldn`t have been on that account from becoming an adult so now his account and number are different hence on the on line banking I can only go back 2 years looking at his statements then it`s a dead end, please advise what to do next, I have said he should open another account say at Nat West which is the only other bank in our town would he be able to open one he doesn`t work through is health etc his partner gets their joint money in her name as she is his carer which doesn`t go in the bank but he does have DLA going in the bank monthly, I should asume his credit rating is poor

Similar Threads:

**callumsgran** · 24th October 2006 21:25

You will have to send in a DPA SAR icon

Letter in the bank templates library icon

in my sig, was the bank aware of your sons learning difficulties when they made him change his account? if so they should've been able to keep him on his old account i would've thought as he obviously cant handle financial responsibilities which please believe me i am not blaming him for! He himself would be better off getting a very basic account with only a cashcard so that he cant draw out money he hasnt got and his g/f could transfer money into it for him online.
hope this helps?

**Laura Cooke** · 25th October 2006 17:05

Where do I send the letter asking for data protection information? keep printing things off and reading them but no indication if letter goes to your bank, head office, or data protection

**Michael Browne** · 25th October 2006 19:21

Penny Berryman
Senior Manager
Data Protection Dept.
Chiswell Street
48, Chiswell Street
London EC1Y 4XX

**freebird** · 25th October 2006 22:35

Hya Laura, if you look in the Lloyds icon

bank thread's, I'm freebird's flightpath..and how !

I empathise..I went round in circles for the first few weeks and couldn't remember where I seen threads, I was interested in..and I kept getting lost..

some on here might say I'm still lost..lol....

but now when I read something I'd like to follow I click on permalink by the scales on the dark blue border, then as well as following "new post" and coming in to the Lloyds section I can also quickly look at the threads I'm following by clicking on "quick links" at the top of the page......

If you ask your questions in the Lloyds section there's usually always someone around some time during the day, to help you out..good luck and keep in touch.
Freebird x(p.s. I too have a daughter with a disabilty/learning difficulty)

**Laura Cooke** · 25th October 2006 23:21

Thanks so much freebird I have found things so daunting as you all must have at some stage probably this is what the banks hope for, I have been reading things all night and trying to get my head round it all, like yourself it`s finding things that`s been the hardest been last hour looking for my post as to be able to post on it LOL posts I have read show we are all human as looks like some have and still are struggling with the complications of it all, nice to talk to someone else who have children in similar position my lad as a learning age of 10 years hese a constant worry to me especially as hese in his own home, more than likely you will be posting help to me as I can assure you I will need plenty talk about thick LoL

**Rosemary** · 26th October 2006 00:01

Hi Laura

No worries - we all started new once. The forum is a wealth of information and my advice would be to print anything off that you find interesting or useful. I've kept plastic wallets labelled up with things like 'default information', 'court bundle', 'limitation act icon

', 'Account closure', 'good wording to use when the bank has asked for a stay', etc etc. Please don't be alarmed by all that - it's extra stuff you learn along the way by reading all the different stories on these threads. Do beware - Lloyds icon

are known to be one of the 'sticky' ones who will try and make you sweat it out. So long as you are not desperate for the money, you won't feel the pressure - they'll pay out in the end and quite frankly - with your son having difficulties, he should have been treated with extra kid gloves and looked after much, much better than the treatment he's received. You go get 'em, girl!!!

**freebird** · 26th October 2006 01:13

p.s Laura, and any time you need a private chat.....send me a private message and I'll get back to you asap...I know how tough things can get sometimes.....

**cathrionas** · 26th October 2006 06:57

Hi Laura, Just got your private message - it looks like you are on your way and have the info here that you needed. best wishes and good luck,
Cat

**Laura Cooke** · 26th October 2006 21:09

I find it hard getting all the information to sink in when I have had 3 different addresses to send for the SAR information, Andover, Birmingham, & London so which one is it?

**nathal** · 26th October 2006 21:16

the SAR

is a request you send to the bank to receive details of you charges.

you can send this request to their registered address

**Michael Browne** · 26th October 2006 21:19

Penny Berryman
Senior Manager
Data Protection Dept.
Chiswell Street
48, Chiswell Street
London EC1Y 4XX

**Laura Cooke** · 26th October 2006 22:35

I Know what the SAR is my question as been misunderstood, Michael Browne kindly gave me the address yesterday but what i am getting at is I have since then been given 2 different addresses my query was which is the correct one is it London, Birmingham or Andover

**freebird** · 26th October 2006 22:49

I took mine into my local branch ( way back in June) and they sent it in their internal mail...........but I'm sure the reply came from Birmigham

**adamski** · 26th October 2006 23:06

The Address to write to for a SARS is
Mr Chris Brown
Copy Statement Unit
Account Services
Group Operations
Swallow House
10 Swallow Street
Birmingham
B1 2AL

This is where they deal with this part of the process as the the title of the address sugests.

DO NOT USE THE PO BOX NUMBER 139
adamski

**bearo** · 26th October 2006 23:46

I just want to clear something up, don't get stressed about what exact address to send your SAR icon

to, I personally sent mine to their registered head office, however you have received two other good addresses there, they are all active Lloyds icon

addresses, it doesnt matter which or who you send the request to , it will get re routed internally, I would however go with Michael's address if you are really sticky about having a definate address, otherwise the one I used for ALL my correspondance was the Gresham Street address.

**adamski** · 26th October 2006 23:49

That is the address you receive you data from, i feel it saves valuable time as Lloyds icon

take a 6 - 8 months to settle.
adamski

**Laura Cooke** · 27th October 2006 21:43

Thanks for all the information and postings especially from Steve about where to find things spoke to my friend in business today he said that others have commented to him about how difficult this site is to make out I find it a nightmare I hope it eases. Sent off today for the Data stuff son signed the letter and I sent it Recorded, was shocked to read tonight that infact some cases do get into court I was led to believe they don`t get that far so how would I go on as I`m doing all the work yet it`s son`s claim as such he couldn`t possibly represent himself he wouldn`t understand any or it

**Michael Browne** · 27th October 2006 22:27

The very few cases that have been to court have been either allocation hearings or case management conferences. These are 'pre-trial' and not actually hearing the case.

If, and it's an enormous if, your son had to appear in court, you would be able to act as his lay representative and present the case on his behalf. But don't worry, it will almost certainly never come to this.

**freebird** · 27th October 2006 22:48

Laura, try not to worry, although it's a possibility that we might "have" to go to court, you can bet a pound to a penny if anyone had to actually go to court..there's be oh so much support for you and if it was a hearing tween yourself and the bank.......you wouldnt't be left on your own, everyone on here would do their damdest to help you out !

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