richardc
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Everything posted by richardc
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No complete one claim then start another. Divide the claims by type of charge - 1 for OD charges the other for returned DDs or something on those lines. When Lloyds settle first claim they will want a full and final settlement. Do not agree to it.
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please read the FAQs When you have done that send them a DPA request with £10.
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Welcome and well done. Can you start your own thread for your claim please. It makes it far easier to follow.
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Sent 1st Formal Request Today!
richardc replied to redbird's topic in Halifax Bank and Bank of Scotland
Well done and keepus posted. -
I don't know, but the is a link in the Library to the IC's site where you could find out.
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Oh yes. Just follow the step by step guide. Also, complain to the Ombudsman as they suggest - it will cost the bank £370 win or lose.
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No. This bit: It is computers that are spurting these letters out. The humans that "sign" these letters should be ashamed of themselves. I got a letter the other day to say they had paid a standing order to my baby sons savings despite the lack of money in the account. The standing order is for £2.50. The letter says they "might" charge me. Have they charged you?
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Send each of them a letter quoting name, address at the time and dates when you had the accounts and request under the DPA. They are obliged to to disclose.
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omollmeg v Barclays - **WON**
richardc replied to omollmeg's topic in Barclays, BCard and Woolwich successes
There is such a thing as a full and final settlement. If you take money and sign that it is full and final settlement of your claim, you can not then take further action in the courts to recover the remainder. -
Technically from the date of the letter, but as you have proof that it has not been delivered, I think you should do another and either take to your local branch - they will give you a receipt if you ask for it, or send Special Delivery. Recorded Delivery is not a secure delivery system.
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I see your point. However, a copy of the notes they must have made is not too difficult. You must phrase the question carefully. If there has been a manual intervention in an automatic process, there must be an electronic record of any such intervention. This must be disclosed.
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No it's not a foregone conclusion. Stephen has right on his side, but the banks have the best, most expensive lawyers who can pour endless amounts of money (ours!) into the case.
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Thanks for your post. Could you let us know a bit more about this. It seems outrageous.
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Thank you martinwhite. I would always write to your local branch. Fine, if you feel the need, reply to whichever automated system you get, but claim in against xxxx, local branch adress. The cse will be heard at your local court.
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As one who is about to be ejected from Lloyds, all I can say is that the staff at my branch are marvelous, and do all that they can. The problem is the senior management. All banks are the same - maximise profits - the 6 figure bonuses depend on it.
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Thank you. I was just about to ask the same question.
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My reading of Smith v Lloyds is that if the data is stored in a box with a lot of other stuff not easily found they do not have to retrieve it. If it is in a filing system, in no matter what format be it paper, microfiche or electronic, it must be disclosed. As always, I am willing to be corrected. 8)
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Very true. One of the excuses many banks make for not defending in court is that it is not economically viable.
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If you report to Ebay, they will remove him. They're very keen on keeping the crooks out.
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Welcome and well done. Do keep us posted.
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The high profile cases have not been settled in court, so there is no point in quoting them.
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pjdudley69 v Yorkshire Bank **SETTLED**
richardc replied to pjdudley69's topic in Yorkshire and Clydesdale Bank successes
They have 40 days from the receipt of your cheque to comply with DPA request. Please read FAQs. Patience. Your time will come. -
Interesting advice from the British Banking Association
richardc replied to Spiceskull's topic in General
I like spiceskull, but I fear the answer would be - well they are the charges we have in our t&cs. -
Part of the cannon fodders' job is to take all of the flak. You will never get to speak to a manager at a call centre - they are always in meeting, at a conference. One will call you backand never does.
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See the Litigation in Progress.
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