Saj v LloydsTSB **WON**

**saj** · 15th May 2006 14:37

DPA letter sent by recorded mail today. Thanks to everyone for your invaluable information on this site. I for one will be making a donation icon

as soon as I reclaim £3K plus!

Saj x

Similar Threads:

**jonni2bad** · 20th May 2006 01:58

Good luck. Update us when there's anything new, or you just want a bit of encouragement.

**saj** · 24th May 2006 19:04

I am just about to go in search of a parachute account icon

, but wonder if anyone can tell me whether they think Lloyds would be likely to shut my business accounts as well as my personal ones. Should I look for a parachute icon

acc for my business too? I won't be claiming any charges back from the business acc...just the personal one.

Like many, have terrible credit score and a couple of settled CCJs and have been turned down for loan and overdraft icon

increase many times. Finances run smoothly these days, but it seems to make no difference when applying for anything...remain tainted by one's history! Not sure where to try but for sure would be stumped without a cheque book and card. Any recommendations gratefully received.

Still no news from Lloyds but DPA confirmed delivered on 16th May to branch where my main account is held.

Thanks...

**jonni2bad** · 24th May 2006 19:17

We could never say for sure, but I think it unlikely the will close a separate account.

**saj** · 24th May 2006 21:02

Thanks... I wonder what kind of relationship with the bank would remain after this...e.g. what if I were to approach for a business loan in the future? My business accounts are held at a different branch to my personal ones, but all charges letters for all accounts are "signed"

by my business manager. However, I sent the DPA letter to the personal acc manager (didn't use a name) who I don't know. parachute icon

accounts all round probably best if I can get them I guess...Thanks again. Saj

**elsinore** · 24th May 2006 23:13

Originally Posted by saj

Like many, have terrible credit score and a couple of settled CCJs and have been turned down for loan and overdraft icon

increase many times. Finances run smoothly these days, but it seems to make no difference when applying for anything...remain tainted by one's history! Not sure where to try but for sure would be stumped without a cheque book and card. Any recommendations gratefully received.

Hello Saj, you could try RBS icon

. This is from their website-

"The Bank's commitment to innovation means that last year it became one of the first High Street banks to remove the "repayable on demand" clause from business overdrafts and now offers almost every financial product - from mortgages to stakeholder pensions - online. It was the first bank to develop a basic bank account for the financially excluded, the Key Account, and also offers a basic business bank account"

As for your cheque book....online banking is the answer. I am in the same boat as you and I haven't used a cheque for two years. BACS, DD, BO or cash sorts everything. I only visit the bank to pay in.
If you are able to set up facilities (no matter how basic) elsewhere, then you can happily stuff ltsb icon

with no worries about retaliation. The money you receive will aid your rehabilitation and you should, in time, be able to add back those other facilites.
Good luck with your claim.

Onwards and upwards

Elsinore

**saj** · 24th May 2006 23:33

Thanks so much Elsinore
I'll look into that tomorrow!
Saj

**saj** · 1st June 2006 11:25

Pile of statements and list of charges arrived today! Off to the beach with a highlighter!

**saj** · 2nd June 2006 10:57

Hello. Have gone through the list now and without interest it's £3162! There are 2 charges on the list which I am not sure if I can claim back. There are some old Unauth'd borrowing fees for £10. Can I claim them back as they are under the £12 cited by the OFT? Also over some months in 2001 some charges called "O/draft Usage Fee" They appear every month for about 4 months and are for £25. Are they reclaimable?
Also, I understand I can't claim the 8% interest unless it goes to court, but am I correct in thinking that i may be able to claim some of the overdraft icon

interest back at this stage if I use Vampiress' spreadsheet? I only have the list supplied by Lloyds icon

so am quite limited in info regarding dates like the actual "date of offence". Sorry if I have missed something. Seem to spend half my days reading this site, but despite being an intelligent girl most of this is a very steep learning curve. Thanks if anyone has a moment to help with this..... saj x

**saj** · 2nd June 2006 11:06

hi jonni2bad if you see this, just saw your reply to **claire** re same questions. I guess with same type of generated list as opposed to statements I probably don't have enough info to go down that route...unless it's possible to request the information....is it? Saj

**saj** · 7th June 2006 13:57

Humiliation in Natwest icon

today as they refused to open a Step acc on the spot

Applied to Experian for credit file so that can continue application. In the meantime sent request to Lloyds icon

today for a refund of charges totalling £3172....

**elsinore** · 8th June 2006 20:59

Originally Posted by saj

Humiliation in Natwest icon

today as they refused to open a Step acc on the spot

Applied to Experian for credit file so that can continue application. In the meantime sent request to Lloyds icon

today for a refund of charges totalling £3172....

Did Natwest suggest that you obtained your credit file? In what way do they suppose that it will aid your application?

Onwards and upwards

Elsinore

**saj** · 9th June 2006 13:29

Hi Elsinore
Yes, the woman said the application had been refused automatically. She said if they could see my credit file they could apply for a Step account manually - sending paperwork through to head office (or something). But although I'd asked for a Step account specifically, she had Current account on the screen. I said I don't want a current account but she said the system would just offer the best type of account for me. In that type of situation it's hard to argue (and belive me I can argue with the best of 'em!) Anyway, if after supplying my credit file it doesn't come through then I will chuck all my toys out the pram!
She also said (don't know if it's really true) that they wouldn't give me an account without seeing a month's bank statements from my existing bank acc, and that there had to be no returned items in the last month. This doesn't add up to what you said before, but as it's a tiny little bank in a tiny little town, it seems hard to go in there and try and deal with someone else to argue this unless I am very sure...
Saj

**kazzaw** · 9th June 2006 14:32

Have you tried opening a Step account online?

It's quite straightforward fom the Natwest icon

homepage.

My credit rating is quite frail & I had no problems.

**elsinore** · 9th June 2006 14:43

Sounds like a "COMPUTER SAYS NO" moment!!

So the computer automatically offers you the best account and then turns you down??

Honestly, don't they try your patience??

Take Kazzaw's advice and try online.

Onwards and upwards

Elsinore

**saj** · 9th June 2006 19:21

Actually that was exactly what it was like.

Will go down the online route...
Thanks guys x

**saj** · 13th June 2006 23:03

Aaah...the 1st sod off. Exactly as promised. But signed by Ms Musarat Siddique - the customer service officer. Well, not actually signed by her. Her name's at the bottom of the letter but the signature icon

(in biro!) is someone elses. Terrible ettiquette! She also kindly enclosed a leaflet called "How to voice my concerns". It's as though she doesn't like the way this is going! x

**adamski** · 13th June 2006 23:10

Sounds like a standard letter form what i have ssen here, go for it best of luck!!!!!

**saj** · 20th June 2006 16:09

Hi lovely people. Am ready to send lba icon

now, but am scheduled to recieve more charges in July. Is it ok to put in LBA that I require them to NOT take them? Or does it just confuse the issue? e.g....

I require repayment in full of this money. I also require the charges scheduled to be taken from my account in July, not to be taken. I would not have been over my overdraft limit and there would have been sufficient funds to pay all standing orders and direct debits had you repaid the money as requested. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.

Thanks for help
Saj x

**elsinore** · 20th June 2006 17:34

Hi Saj.

I don't think the extra paragraph is a problem, but don't hold your breath expecting them to act on it. I'd be surprised if they take note of any particulars in the letters that they are getting now, just chuck them on the pile and bang off the standard responses. If they debit the charges then you can
a) counter with an increased figure if they make an offer to settle, or
b) add it to your court claim.

If they do add the charges I hope it doesn't cause you too much grief.

Onwards and upwards

Elsinore

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