Well done buddy!

Hi Kopite71 I heard John Gaunt talking about it this morning, and it was on Sky news most of the evening with Money Saving Expert Martin Lewis. You have your work cut out with all your claims. Good Luck!

Just to complicate matters for you, I sent my SAR to: Penny Berryman Sanior Manager Data Protection Dept. Lloyds TSB Bank PLC The Pentagon 48 Chiswell Street London EC1Y 4XX Then my prelimary letter and the LBA to the BX1 1LT addy. They didn't give me an address to direct further correspondence to, but all their letters came from BX1 1LT. Hope I haven't confused you?

Thats the template I will be using and I'd like to see how other Abbey claims are being handled with the same questionnaires. Thats all.

Hi Muggins All my correspondence went to: Lloyds TSB Customer Service Centre Dept. 10 - 49 Box 3 BX1 1LT The address I used on my claim forms was: Lloyds TSB Customer Serv. Recovery Centre 125 Colmore Row Birmingham B3 3SF Hope this helps.

Did you use the "standard disclosure" template or the new "proposed draft directions" template?

Hi Have you sent them a non compliance letter (found in the banking library)?

Hi Trurh Have you received your allocation questionnaire yet, or had any updates?

Speak to the council first to see if the debt has been passed back to them. If so, write to them with a suggested repayment proposal and include the first payment (if possible). It may also help to include your income / expenditure for their review. This will prove to them your a "can't pay" and not a "won't pay".

yes surprisingly. i have successfully claimed with lloyds and halifax and not had to prepare one yet. i know i will have to with Cahoot. by the way, do you know how your going to submit the AQ yet? i'm gonna go for the new version with the draft order, appose to the "standard disclose" template.

Hi Phil, and i agree with you completely. Feel abit of a lemon at the moment, so I'm starting to get my court bundle together. Theres plenty to sift through so want to be ready prepared.

I wasn't aware until now that the basic court bundle stands at 40 pages without external linked documents. A trip to cartridge world I think.

You hit the nail on the head there. Your priority debts are more important (mortgage, c/tax, elec, gas etc). Monies available after these pay your unsecured debt. Only pay what you can afford, and don't be intimidated by them. As long as you are trying to pay, that is all that matters. Don't fall for the "bailiff" scare tactic either. A bailiff will only come if a judge orders it, and seens your willing to pay, its unlikely that will happen. I say the above because so many people cough up money when a debt collector / bailiff is mentioned. All your doing is proving you have money by paying, and they keep coming back for more. Theres a lot of ifs and buts there, but you get my meaning. Regards

Under your subject access request you made under the data protection act, they have a duty to comply by sending you your charging history for the time period you specified (ie. 6 years). If they have sent you details of your charges history, either by statement or transaction list, they have completed the request. If they have not, or the information supplied is incomplete, then they haven't complied and you need to send them a non compience letter. Reword it to suit your particulars. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html They do not have to provide you duplicate statements under the subject access request, just details of your charging history. If you want duplicate statements then it would be reasonable for them to ask for more than the £10 maximum DPA SAR Fee. Hope this helps.

Hello Justman73

Thats going to prove a problem now seens its been shredded. No sarcasm intended.

Hi who. Thats the way to do it. Have a good nose around other people threads so your well prepared. ANy questions, just ask. Good Luck.

Hi Kilmeedyman Read your post on Sams thread. Abbey should enter their defence by the 3rd March in my case. I too got a letter saying they have no record of my schedule of charges and they do not know how my claim is broken down. I responded like you. My thread can be found here: http://www.consumeractiongroup.co.uk/forum/cahoot/46127-121o121-cahoot.html

Your thread is fine. The two accounts will be dealt with seperate, and you will need to file two seperate claims. You can send the prelimary letter now for the account you have all your statements for and get the claim underway. On the second account, send a subject access request for the two missing years (2001 - 2003) now. At the same time send them your prelimary letter based on the four years you can get online. If your start your claim now then it saves a lot of waiting around. This should tie in with your 28 day deadline for the SAR. When you get your SAR statements, just add the extra charges on before you start litigation. Hope this makes sense. Its how I 'd deal with the situation. Regards

Thats a relief, was starting to worry. Suppose once you take out statements and previous correspondence etc, theres only around 15-20 pages of supporting evidence. I'm going to send the letter as soon as I recieve notification of a defence. That will give them approximately 2 - 3 weeks before the AQ is due. I can't see the point in sending it with your bundle. Theres no purpose to the letter if you've already prepared your bundle. May as well sit back and watch the interest grow. Regards

They'll forward it on to the relevant department dealing with DPA SARs. Then you should (within the 40 days) receive you charging history. Then put together your prelimary letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Wait 14 days Send your LBA http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html Wait 14 days Then start litigation (PS. Expect a 50% offer from Barclays around your LBA deadline date.)

Come on guys. We the undersigned petition the Prime Minister to Pass a Law on Unfair Bank Charges.

With regards to your additional charges you've encountered from them since your initial claim, you can always try and include it when you are offered settlement.

I have a loan account with HFC/Household/Beneficial (call them what you will). I have approximately 2 years left to run on it and have been up-to-date with payments for the last 18 months now. Today, I received the third call in approximately 6 months from them. They say I'm a good customer and they want to offer me more credit and would like to invite me to my local branch so they can restructure my finances. Have any other HFC customers been contacted lately? Although they're not breaking any laws, I can't help but think that whilst lenders are being criticsed constanttly for offering to much credit to consumers, HFC are setting a bad example.

It may be a different issue, but phoning you constantly until they receive payment would be considered harrassment. Have a peek here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html If it were me, I'd write to them using the above as a template. If the "account in dispute" argument doesn't work, I'd suggest an affordable repayment schedule to them. Whilst it may not come as much consilation, you should take comfort it will reduce your overall debt.