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i managed to get all my charges from online statements so didnt have to go through the DPA procedure.
my demand letter was sent on 28 February, and now im just waiting for them to reply.
ive got to say, this website has been very helpful, and provided a lot of useful information. ive recommended it to everyone i work with and will continue to post updates of my progress.
You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.
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SAR sent 18/12/06
Statements received 02/02/07
Preliminary Request sent 05/02/07
Standard ‘No’ letter received 15/02/07 lba sent 16.02.07
NO RESPONSE
No doubt you will receive your first acknowledgement this week, standard "sorry to hear that you are not happy with our service ....blah blah", I presume that you gave them 14 days to respond, in which case when is that deadline?
as the information i have obtained for my charges is available online, i have used this method of working out how much they owe.
but, if i end up filing court action, what is needed to support the claim? do they want full stataments showing all transactions including the charges?
the online banking allows you to go through your statements and just select the charges, which is what i did, and i have these web pages saved. are these sufficient for starting court action?
These should be sufficient (but printouts of the whole statement page showing the charges and normal transactions might be better) but please note that you normally don't submit them to the court until about 2 weeks before the final hearing of your case.
Hi Topcat again, just enquiring after your preliminary letter and subsequent question regarding statements, did you include with your letter to the bank a schedule of charges?, i.e. a list, which you compiled of all unpaid direct debits and standing order charges and overdraft excess fees (if applicable). It might be helpful to you if you could have a one page list to hand, rather than at this stage lots of statements. sorry if you have already done this, it just wasn't clear from your post.
I know that you have mentioned the bank's online facility, but if you check the "sticky's" i.e. the very top postings in the bank template library (only avail when you have signed in) there are spreadsheets avail for you to list your charges which you want to claim back from the bank.
And when you get to the stage of taking further action with the court (unless the bank pays out first ha ha ha ha ha) these spreadsheets can help you to work out the interest (but I wont complicate matters at this stage!)
If you need any help or clarification just shout!
regards Red
Oh and very wise to have the two spreadsheets, with and without interest! Very prepared! Guess when you calculated the charges that you thought you would be taking it further!
Well top cat from my experience with Lloyds it would appear that depending upon the amount you are claiming as to when they settle. If that helps. My first claim for a few thousand went on for 3 months until almost the last day before court. My second one got settled two days after I applied to the court, although this one was for about £750. My current claim is for another account and is up in the thousands again and I am past court allocation and onto the final hurdle.
This may be a rough estimate to help you with your claim!
topcat72 Vrs Lloyds
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Re: Waiting to hear after sending initial request
Originally Posted by topcat72
