Brilliant, thanks Gary!

Hi, Finally plucked up the courage after reading, reading and more reading of this great forum; to start my claim using MCOL. Within two days after filing my claim, Lloyds have sent me a letter saying they will to pay me £750 - about £1100 short of my total claim amount. And that the £750 will be in my account within a few days. I have read on these pages that I should accept this, but only as a partial payment and that I should proceed with my claim for the full amount + interest and costs. Does anyone know how this will affect the claim I have filed for £1800? I will of course inform the court that Lloyds have paid £750 of this claim - unless anyone knows otherwise. Wavelab.

Hi, I've Finally got around to updating my progress. Sorry about the delay! 28.11.06 Sent Prelim letter and summary of charges for £1300 (Recorded Delivery) 05.12.06 Called Royal Mail as Prelim letter still not signed for. Looks like this one may have been lost, but need to allow a few more days for delivery. 12.12.06 14 Days Up - Should send LBA, but still no proof of delivery for Prelim letter. (Still states "Check back later" on Royal Mail online tracking). Thought I'd give the bank 1 weeks grace due to Christmas post. 19.12.06 Received reply from Lloyds dated 12.12.06. It was the standard "I am sorry you are unhappy about account charges" letter in response to my Prelim letter, even though my Prelim Letter still has not been signed for! (Christmas post probably!) So I went ahead and sent the LBA. 22.12.06 Chase Royal Mail re delivery. Again - LBA has still not been signed for as delivered and RM do not know what has happened to it. I'm now reading up in as much detail as possible on the next stage; thinking I will go ahead and issue my claim on the 2nd Jan, 14 days from the 19th Dec (the date I sent my LBA) whether I hear from them or not. Do you think I've given the bank enough time to respond, bearing in mind the delays in post this time of year? Cheers & Happy New Year to you all. Wavelab

Hi Sunnyside, Personally I would take the written letter approach, this way your progress can be measured against other peoples experiences and correspondence, as well as it being more official and trackable. Good luck wavelab:D

Got it, thanks again livelylad & alexifa. I'm going to take it back to Jan2000, about £250 difference. Request for Repayment of Charges in post tomorrow. Cheers guys.

Thanks livelylad. I think I'll go for it. Wavelab

About £250 going back to Jan2000

Nice one alexifa. Thanks

Hi, I have received statements and calculated my claim amount. I was just wondering whether or not I should be calculating my charges for exactly 6 years to the day, or if I could go back as far as Jan 2000? Thanks Wavelab:)

Thanks Nic, I meant to put O/DRAFT EXCESS FEE not O/DRAFT INTEREST! I was wondering weather I should be claiming for exactly six years or go all the way (an extra 9 months) back to JAN 2000? Thanks Wavelab

bump

Hi, This is where I'm at. I eventually received my data in accordance with the act back on the 16th Oct. I received Statements, Statement Entries and Customer Notes, a portion of each from the six year period I had requested was missing. 2 days later I received the outstanding statements, but only after a quick call to the Copy Statement Unit in Birmingham on the number provided (0845 300 4431). After collecting the package from the Post Office, (as post arrived after I had left for work) I noticed that the package had been opened, so I photographed the package, along with the wrapper that the Royal Mail had wrapped the remains of the envelope up in, offering their sincere apologies about the damage that had occurred. The paperwork contained inside was complete. So I went through statements with a highlighter (yellow) and picked up all charges described on statements as O/DRAFT EXCESS FEE, Unpaid S/O and UNPAID D/D – entering them onto a blank excel sheet as I went. The older statements had these items labelled as UNAUTH'D BORR. FEE, CHARGE ADVISED and FEE-UNPAID ITEMS. These charges ranged from £10 to a whopping £80. At this point I have a couple of questions if anyone has a moment. 1. What would be a good course of action here - as my details are now out there!! 2. Should I calculate my figures going back six years from today’s date, or can I go back to say Jan 2000? (a nice round figure) Many thanks to anyone who has time to answer these wee questions. Wavelab

Thanks for your advice and link to non-compliance letter. A reminder is in the post. Many thanks and hope all goes well with the move! wavelab

Hi robinson, You might like to see my recent post - "OK here we go! Wavelab vs LloydsTSB" I'm at pretty much the same point as you. wavelab

Hi, Finally got the ball rolling a couple of weeks ago by sending the Subject Data Request with the required cheque for 10 Pounds using Royal Mail’s recorded delivery. Having not heard anything, this week I made a few phone calls by looking up the postcode of the listed Data Controller’s Office, (then under Tools & Resources) using yell.co.uk to get a phone number; asking each person I spoke to for the Data Controller’s Office (as I seemed to go though to lloyds insurance by calling the number listed on yell). Eventually got routed through to the Community Banking Compliance Office and a chap hunted down my S.A.R - (Subject Access Request), told me when it was received by lloyds and from when my 40 days for compliance started! Bit of a maze of call redirections, but got there in the end. Looks like the 40 days are up at he end of October. I’ll keep you posted. wavelab

Hi all, Thanks very much to the creators of this forum and all it's participents, I'm blown away by how involved everyone gets and the amount of time people put in to help each other out. I will document every step I make once I get things rolling; just as soon as I've read all I possibly can from these enlightening pages. Check back soon for wavelab vs lloydstsb! Keep up the sterling effort everyone, you're all fab! wavelab:D