dave e v lloyds tsb ***SETTLED IN FULL***

[dave e]

hi, I have been looking at this site for a couple of weeks, viewing other members and making myself familiar with how to get my charges back.

today 28/06/06 i sent my D.P.A request to lloyds.

LET THE BATTLE COMMENCE.

[reload]

Welcome to the club Dave, and good luck with your claim

[Gallen]

Hi Dave,

 

I have today (28/06/06) just done exactly the same. I added you to my "buddy" list. maybe we can keep each other updated on developments etc.

 

Regards,

 

Gallen.

[dave e]

hi folks,

got my safty account opened today with nat west step account, it was so easy doing it online.

still waiting for my bank statments from lloyds

[Gallen]

Hi Dave, I'm still waiting too. Sent request same day as you. No aknwoledgement or any contact regarding letter I sent.

[closey]

Hi and welcome,

 

just be warned that Lloyds are slow and will stall when ever they can, so don't expect anything to happen overnight with them!

 

Best of luck to you both.

[dave e]

hi ,

got my copy statements on sat 30/07/06 worked out my charges to £2500 can anyone tell me do i count the o/draft intrest charges as part of my claim.

cheers.

dave.

[Michael Browne]

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

 

 

2. 8% interest on your claim, but only when you submit a claim at court. Don't

add this interest before.moneyclaim

[dave e]

hi michael,

thanks for that, as you say the intrest does not amount to that much so i will send my letter for just the charges and no intrest.

cheers.

Dave

[dave e]

hi,

prelim letter sent today 02/08/06. to lloyds, lets wait to see what happens?

a standard letter in a week or so saying we cant do anything.

[christinajanep]

Hi There....

i'm a newy to all this as well.... and still trying to get my head around it all, can someone tell me what DPA stands for and have many people actually got there money back from LLoyds as they owe me £1400.

[Bunnykins321]

Please can someone advise me if the correct first stage is to send the the subject access request letter (template) to where?? for bank accounts and credit cards at Lloyds TSB. Should I send the same letter without amendments as it refers to ....charges relating to my banking history...." is this okay. Sorry to be so dumb but just wanted to check so that I can get it right. I'm a bit scared to be honest but am determined with some support from you guys. Have read lots of forum posts but still am confused whether or not to treat bank account and credit card account claims using the same procedure and letters from the templates. Please can someone advise me. Thanks

[Michael Browne]

Christina: Data protection act. Look here for Bank payout so far.

http://www.consumeractiongroup.co.uk/surveyresults.php

 

Bunnikins: 1 DPA + 1 £10 fee for both a/c Mention both a/c no

 

From now on you both need to start new threads in LLoyds forum and post your progress and questions there

[dave e]

hi,

received a reply today 05/08/06 from Andrew Palmer the letter went as follows.

 

I am just writing to let you know that we've received your complaint and to say how sorry i am to learn that you're unhappy with us.

you have my assurance that one of our assistant managers will investigate the concerns you have raised with us this may take a little time but i would expect our enquiries to be complete within the two weeks. We will then be able to respond in full to your complaint and at that stage, i hope, resolve matters between us.

In case you haven;t received a copy of our leaflet called ' how to voice your concerns' i've enclosed one with my letter. This tells you all you need to know about resolving your complaint with us.

 

 

they can resolve it by giving me my money back, i take this is a standard letter

from Andrew Palmer customer service advisor.

 

cheers,

dave e

[Sophie-Jane]

It is the very same letter I received word for word

 

The only difference would be the Name. address and account number

[Janet-M]

standard reply , just stick to the time limits you gave them and then start the next step

[ker7085]

hi everyone ive just posted my dpa request for my charges to llyods tsb

Ker can you start your own thread please , that way you can keep us up to date on your claim and in the future if you have any questions it will be much easier if we can see where you are up to at a glance , thanks mjanet

[dave e]

its 14 days after sending my prelim letter, lba letter set to go on the 16/08/06 after saying they would look into the complaint i have had no responce from lloyds.not even saying no your not getting your money back

[dave e]

Today i received a letter from lloyds a standard letter saying i will not get my money back and this is there final response, i sent of my lba today. As they say its there final response do i wait for the 14 days or do i start my money claim,

any advice

[closey]

I would wait the 14 days. If your case goes in front of a judge you will need to demonstrate that you provided Lloyds with reasonable time to settle this before court action.

[dave e]

hi,

im about to start my money claim, can anyone tell me when i fill in the online form, i want to claim the 8% back do i include this in the full amount of the claim or is it added by the court after the form is submitted.

any help please.

Dave E

[Michael Browne]

Include it in your claim. As in the example POC below:

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =The interest in the 8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount of charges claimed x 0.00022).

[dave e]

hi,

yesterday i filled my money claim on line claim no 6QZ64511, looking on the claim it says the defendant has 14 days to respond is this true as i thought they had 28 days, can anyone clarify.

cheers,

dave e

[Michael Browne]

14 days to acknowledge, if they do 28 days from original date of service to defend

[dave e]

Hi,

today i received from northampton court a acknoledgment of service has been filed against my claim, lloys have another 14 days to enter a defence after that

does anyone know how much i will have to pay when i have to return my allocation questionare.