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Kingstuee

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About Kingstuee

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  1. This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Well its me again, Sent my dpa request a fortnight ago and in line with Loulas advice I am planning to send a follow up letter by rd, however where do I send it? To my local branch?
  4. Hi Kotum, just to let you know that I am following your case with much interest as I am at the very beggining of the whole process. I sent off my dpa about two weeks ago now. We are all right behind you!
  5. I have experienced the same problem too. Lloyds CC took £200.00 out of my account one week before christmas and two days before my loan was due to come out. Since then I have had between one and two hundred pounds worth of charges every month. I opened an Alliance and Leicester account with my partner online with no problem (even though Lloyds refused us a joint account). I got the details of the best bank accounts on the market from Martin Lewis' website http://www.moneysavingexpert.com I now do the same as Loula, I put just enough into Lloyds at the right time to pay both th CC and
  6. I do remember reading someone elses case on the site a couple of weeks ago and I think they had the same situation. Come twelve am they got all excited, however as you say lloyds had untill ten am the next day and did file a defence. I will keep my fingers crossed.
  7. Thankyou once again Loula. I will sit tight for a couple of weeks. I will keep you all posted.
  8. Well, finally bit the bullet and taken the bull by the horns! I have sent my DPA request to my local branch manager today. The question now is do I leave it for forty days or do I send a follow up letter. I did send it by registered post. Feeling a little nervous but also empowered!
  9. Thanks Loula! It's good to know there are people out there on my side! Fingers crossed.
  10. Aiden I think most of us feel out of our league, that's what is so nice about this site, to be able to relate to people in the same boat. I have just sent my DPA letter and believe me I am really nervous. But they should not be alowed to get away with what they do. If we all stick together we will force a change! Brothers unite!
  11. I am at the same stage as you allan. About to send my dpa request in tomorrow. The more people doing this will force a change in legislation, we are all apart of that change and should be proud! The tides are a changing!
  12. After a couple of months of watching this site I have finally plucked up the courage to go through the motions. I have just typed up my DPA request. I presume it is sent to my branch manager. I am ready for this to go all the way and feel confident that I will reclaim four years worth of charges. I will keep you all informed so that we can all learn from my case and force those banks into a corner. Wish me luck!
  13. Hmm this is a tough one. My partner and I also own our house, could they force a sale? As it happens we are selling next year and paying off the debts anyway but wouldn't like to be put in a position where the bank could get one back on us? I will try and find terms and conditions but being a bit chaotic financially I may struggle (note to myself. Must get a filing cabinet) Any other advice would be very welcome.
  14. I am at the very beggining of the whole process and it is so encouraging to read how others are doing. Good luck and keep us posted!!!
  15. I have read the FAQ's and been surfing the site and feel I have a good case to reclaim excessive bank charges for unpaid dds bounced cheques and overdrawn charges. However I have a loan £15,000 and a credit card current balance around £5000. Over the past year I have missed payments on both but at the moment I am up to date. Niether are with the collections department. If I take lloyds to court and win (or lose) can the bank order me to repay the full amount owing of either debt? If not I will be taking this further and will keep the forum posted. At last a way that we can
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