Thread: Chica vs Accucard/ LLoyds TSB

Am sending my DPA tomorrow.

Similar Threads:

• banofi v Accucard
• Accucard - More Than Card
• Adams V Accucard
• Lloyds Accucard / Debt Collection
• Accucard

I've not heard anything from them and 40 days is up. What do I do?

Did you send the data protection notice recorded post?

I did yes at the same time as First Direct, who recieved theirs.

I'm in same position - just sent template letter 3 from Data non-compliance templates. Good luck.

I recieved my statements and calculated what they owe me..£180 + £30.25 interest. Prelim letter was sent on the 12th March..Royal Mail website shows as not delivered yet I recieved a letter form them dated 26th March re my letter dated 12th March.
Letter reads:
Thank you for your letter dated 12th March 2007 about charges on your account.
Following the OFT statement on 5th April 2006, you belive certain charges we have made to your account (for example, late payments/returned payments/exceeding your authorisede credit limit) are unlawful and have asked for them to be refunded.
You'll know that most of our credit card services are completly free, and your card provides a conveninet way to pay that can be used worldwide. We do however make a charge if you pay us late, or if we let you go over your agreed limit, or if we have to tell you that a payment made into your account isn't met. All these matter cost us extra cost.
These charges are not hidden. You can find them on your monthly statemnts, on our website or by contacting our branch staff or telephone helpline. The minimum monthly repayment and the payment date, and your credit limit, are also clearly shown on every statement. So you should find it easy to stick to the legal terms and conditions you have agreed to.
We believe our chargeing policy is fair. The OFT's statement is their view of the principles they think credit cards issuers should follow. Ultimately, it is only a court that can decide whether a term is unfair in legal terms.
As you will know, the OFT recommended that these charges be cut to £12 and we have made a commercial decision to do this with effect from 29th June 2006, even though we do not agree with the OFT's interpretation of the law.
The OFT made no recommendation about previous charges and we do not plan to make any alteration to charges we made in the past. As a result we are not in a position to offer you a refund.
I do hope you know understand why our changing policy is fair, and how you will be able to avoid these charges in the future. For you information, I have enclosed a copy of our leaflet "How to voice a complaint" which explains what to do if you are not happy. You don't need to reply to this letter unless their is anything else you'd like me to help you with. If you do want to contact us again about this letter, please do so by the 26th May 2007. If we cannot agree on a solution at that point, I can help you refer your complaint to the Financial Ombudsman Service for independant arbitration.

Yours sincerly,
Graeme Nattrass
Senior Concerns Officer.


lba on its way Monday!!