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devans

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About devans

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  1. 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
  2. A happy new year gift from Lloyds in the form of a full settlement of £2946.94. I would like to sincerly thank the organisers of this site. Without your help this money would have been lost to me and I would still be operating in my overdraft. I will now no longer receive large overdraft interest fee's. so as you can continue to help others I have made a donation to your group. Again, Thank you! Especially to BankFodder.
  3. Got a couple of letters from courts today. Staines court sent me a General Form of Judgment or Order that the The claim be trasferred to Guildford County Court for the attention of the district Judge Raeside. Shortly followed a couple of days latter with a letter from the Guildford county court with another General Form of Judgment or Order that the Defedant supplies information by 5th Jan 2007. Ho-hum, Time to go back to sleep and wait...
  4. Received a notice of Transfer of Proceedings today along with Lloyds Defence and a questionnaire from the court (+ a request for a further £100 Fee). The claim is now being dealt with Staines County Court. The Lloyds defence is as follows: "1. The Dfendant Lloyds TSB Bank Plc (The Bank) is a Bank whose registered office is 25 Gresham street, London, EC2V 7HN. It is admitted that the Claimant has been a customer of the Bank at all material times. 2. By opening an account with the Bank, the customer enters into a commercial arrangement with the Bank for the provision of bankin
  5. Received Notice that acknowledgment of service has been filed today. Lloyds now has 28 days from the date of service of the claim form to file a defence. The notice was deemed served on 23rd Sept 2006. Lloyds Solicitors tasked with defending are Sechiari Clark and Mitchell based in Brighton.
  6. Finally got the information together and submitted my Money Claim today. My claim# is 6QZ64040 with the total coming to £2332+£120 Fee. lets see how this rides out... Yes I have opened a new joint account with my wife. It is primarily for savings but I could always jump ship if things get nasty with Lloyds.
  7. Have just created my Moneyclaim account and started drafting my claim using the help provided from the library. Am taking some time to double check my figures before I submit on Monday morning. It's looking as though the final figure is going to be in well excess of £2600. Good news as this will clear my O/Draft. I know I still have a slog to go but I would like to thank all members and especially the organisers of this site. It has beed a great help and fueld my confidence that the money is mine... Thanks!
  8. Got a reply to the letter before action letter I sent last week. Received from Customer Care - General Banking,125 Colmore Row,Birmingham. "Dear Mr Evans Thank you for you letter dated 21 April 2006. I am sorry to hear tha you have not been happy with my response to date. Unfortunately there is little I am able to add to my letter dated 18 April 2006 and I am only able to refer you back to the terms and conditions of your account, although I do respect your opinion about our charges. This letter is the banks final response, which means that if you remain dissatisfi
  9. Yesterday I received the expected reply from Lloyds. I'd sent the first approach for repayment to my local branch in Victoria. The reply came back from Customer care, 125 Colmore Row, Birmingham. Enclosed was a customer service leaflet on how to voice your concerns (I'll enjoy wiping my ass on that later) and a letter that goes somthing like: Dear Mr Evans RE: Account Charges for Overdraft Excesses And Returned Items Thank you for taking the time to contact us about your account. I understand that * You feel that the charges you have incurred are unlawful. * You are
  10. Sent Initial Approach for refund using the template from the libray of £2082.10 Today to my Branch Manager. Whilst I wait for them to send the inevitable standard responses I will draft the letter before action. So Sure that I will need to send it in a fortnight, I have already gone to the expense of purchasing the stamp required...
  11. No. As indicated on the first page of this thread, I initially sent my DPA request to: Penny Berryman Senior Manager Data Protection Dept. 48, Chiswell Street London EC1Y 4X The response for £10 fee came back from Chiswell street. with a Self addressed Envelope to the DSAR Dept. When I phoned up to complain that no one was signing for the Data protection request letters I was sending I spoke to a lady in DSAR Dept in Andover. A couple of days later I got the statements. Lloyds have so many departments. I would stick to sending DPA Requests to Penny Berryman along with
  12. An unexpected delivery was waiting on my door step when I returned home from work yesterday. Posted from a Birmingham address over 400 sheets of bank statatements covering the last 6 years. Envelope was ripped (Sound familiar?) and contained in a plastic Parcel force envelope professing their sincere apologies that the envelope was damaged in transit... The standard cover letter reads: Swallow House, PO Box 139 10, Swallow Street Birmigham B1 2AL Your Request for information under the Data Protection Act 1998 I am pleased to enclose the information whichhas been com
  13. A Recent Development. the letter I sent recorded delivery was returned unsigned for. I phoned up the number on the header of Mr Browns letter requesting payment to complain and spoke to a gently spoken girl which made it hard to be angry. I now have a new address to which to send my £10 fee. DSAR (C49) Lloyds TSB. Charlton Place, Andover, Hampshire, SP10 1RE.
  14. Overdraft Interest fees are legit as they (The bank) are providing a service. But the overdraft interest on a charge is not because the interest although legit is based upon the illegal charges your are seeking repayment on. If you didn't get the charge you wouldn't get as much of the interest slapped on the account. Calculating the amount of interest effected by charges isn't the easiest task. If your using a spreadsheet then it's easier. layout all your charges and interest payments in date order. You can then see where the interest payments fit in. Unless you have a very large overdra
  15. Personally I'm not taking any risks of another stall. I dated and signed the letter and returned by recorded delivery this afternoon. The photocopy of the letter which acknowledges the request of my original letter and the Royal Mail receipt of returned delivery should be enough to convice the Information Comissioner of a breach should the need arise. I have a fairly good understanding of what is owed to me, but need the statements to confirm and to obtain the charges for the year 2000 to 2002 which I can't see through the web banking portal.
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