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.
Lloyds tsb bank plc
penny berryman
senior manager
data protection dept
the pentagon
48 chiswell street
london
ec1y 4xx
8 may 2006
dear ms berryman,
data protection act (1998) disclosure request
account number xxxx
i am currently reviewing the charges that have been levied on my credit card account since 2000 and i would be grateful if you could kindly supply me with a complete and exhaustive list of all charges relating to the above account since may 2000; this should namely include all instances where i have been charged for exceeding my credit limit, for late payment(s) and/or for the return of unpaid cheque(s). 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 a member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in such manual intervention or other evidence of such manual intervention with regards to my banking business with you. enclosed, for the purpose of this data protection act disclosure request, is the statutory maximum fee of £10 (ten pounds).
i look forward to a prompt reply to my request, which under the provisions of the data protection act (1998) should be made and acted upon within the next 40 days. in the event that this request is not satisfied within that timescale, i will then have no alternative but to report your refusal of compliance to the information commissioner.
Keep letting everyone know how you're getting on. Have you read the FAQs? It seems from your letter you are well organised.
thank you for the kind welcome message. i have been posting on the first direct forum but i am new to this thread having moved from first direct onto the next greedy institution that is barclaycard...
hello, got my statements this morning and sent my preliminary letter this afternoon, as follows:
Lloyds tsb bank plc
customer care
senior manager
125 colmore row
birmingham
b3 3sf
12 june 2006
dear sir or madam,
charges repayment
account number
whilst i have never had any real cause for concern regarding the service i have received from lloyds tsb since opening my account, and never had to call into question lloyds tsb's integrity, it is now my understanding that the charges which have been applied on the above account when exceeding my credit limit and/or for the return of unpaid cheque(s), are unlawful at common law, statute and recent consumer regulations. may i refer to the terms of contract you agreed to when opening my account, which specifically implied that you would conduct yourselves lawfully and in a manner, which complies with uk law. having always thought of lloyds tsb's as an ethical bank and relied on your authority and integrity, i can only express my dismay at the way you have handled my account.
having studied my statements since december 2002, i have calculated that a total of £260.00 has been taken out of my account (see Breakdown below) as penalty charges, and i hereby request a repayment in full of this money by way of cheque.
i genuinely hope that you will enter into a sincere dialogue with me about this matter and that you will make no attempt to deliberately fob me off with standard letters and leaflets. i will give you fourteen days to reply to me accepting unconditionally my request in principle and letting me know a date by which i will receive payment by way of a cheque. should you choose to ignore my request or should you not respond positively within this time period, i shall send you a letter before action giving you a further fourteen days in which to reflect. i believe that these targets easy to meet for a large company such as yours with dedicated staff departments. there shall be no further communication from me after that and i shall issue a claim at the expiry of the second deadline.
betty_lo Vs lloyds tsb
tsb bank plc
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Originally Posted by HD
