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sparksgem

sparksgem ***WON***

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just printed my S.A.R - (Subject Access Request) letter

was going to write my cheque but realised i didnt know who to make it payable to

have looked here but as yet havent found an answer so can you guys help?

suzy

xxxxxx

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lol

should it be Lloydstsb?

am going to send it registered post in the morning

am sending it to Penny Berryman at Data Protection Dept is this the right place?

suzy

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Lloyds TSB Bank PLC is the full name, but any variation of that should probably do :D


reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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well its done

recorded delivery

so just need to wait now

should i phone to make sure the letter has arrived?

thanks

suzy

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Go on the Royal mail website and use the tracking number on your recorded delivery receipt to track your letter and see when iwas delivered then you start your 40 day countdown, it seems to last forever!!

Regards

adamski


Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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thanks

have tracked my mail and it arrived on the 5th so just sitting and waiting now 38 days of their forty left

suzy

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well i am off on holiday tomorrow (saturday) butlins at skegness couldnt afford anything more this year or any other year for that matter will treat the kids to a nice holiday when i get my money back

still nothing from LTSB been 8 days now so they still have 32 of their 40 to go

have been following the threads and congratulations to all those that have won already and go get them everyone who is nearly there

will keep you all posted as to the progress i am making and no doubt i will need some help before i am finished

think i have got the interest sorted in my head but it seems to be the thing most people struggle with

was hoping i would get my data back from LTSB before i went on holiday so i could have sent letter 1 requesting my money back before i left but i suppose a week wont make much difference

suzy

Lloyds TSB Data Protection Act (SARS) request sent 4th July 2006 recorded delivery signed for on 5th July 2006

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hi all

am back from holiday and still no package from LTSB should i give them a call and see what is what or maybe e-mail asking same?

just want to get started on getting my money back will be looking at another £90+ charges in July

good luck to everyone who has won so far

i have been following the threads with interest

sue

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hi

have been reading the other threads where people have been talking about overdrafts od £2000+ all i wanted was one of £300 which would have avoided 90% of the charges but because my credit rating is not 100% they deny me every time i actually have over £2000 a month going into the account but it can be a little erratic due to people like the good old CSA etc so sometimes because of this my account is short but over all my account runs at an even keel despite the lapses into the red....................so sometimes they are over cautious with our money yet my persoanl banker says if i sort out my credit rating there is money that i can borrow and an over draft of xxxx£ work that one out

suzy

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well have just recieved my information so will trawl through it all properly later but looks like about £3000 give or take a few hundred it is pretty comprehensive gives all the notes they have on my account too even the bit where i took them to appeal over a loan they wouldnt let me have, my loan accounts are never missed and always paid on time

well i suppose sometime in the next couple of days i will be starting the fight back i have been reading the threads and there seem to be a few people at and around the same stage as me so good luck everyone and if you want drop me a line

suzy

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hi all

didnt realise i hadnt posted for so long have been following threads along the way

well i trawled through my information and they have taken a total of £2454 in the last 6 years

so have printed the prelim letter and done the spread sheet and sent it recorded delivery and now i just need to sit and wait there sorry no way letter and send the LBA letter and then its off to court hopefully i wont see them there and will get a cheque with my money back

thanks for all the help on the site

sue

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well hope this is the right place to post this

i had a very interesting conversation with a worker in the complaints department of Nationwide today

she stated that they had been told to say no to a refund until either a small claim was filed or the ombudsman was involved then they would settle.

 

i asked why, she said "because it was cheaper to settle than to go to court" she did say that "it would take a case big enough to make it worth the cost of defending it for them to consider challenging the claims"

sue

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well have my first refusal letter signed by a Sharon Jones

i havent seen a copy of this one on here

*Dear Mrs ******

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

 

You have my assurance thet we 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 coming 2 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 (it was there too). This tells you all you need to know about resolving your complaint with us.*

 

At least it wasn't a straight no at the first shout

maybe they are going to start paying up before court................some hope!

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Have just tried to get some information from my on line banking from statements but i couldnt go back any further than 3 months has anybody else had this problem?

would call into branch but have the kids and not dragging them down to the bank

hope this is just a glitch or it could be that they want to stop people from getting their charges so easily

any thoughts?

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Well 14 days ar eup tomorrow and i havent had a sorry no you cant have your money yet

do i just continue with the letter before action or wait for the sorry no you cant one?

thanks in anticipation

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thanks Michael

will send it in the morning

this is getting a little exciting have been telling all my friends and they are amazed, pointing them all in this direction so keep up the good work

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Well got the no you cant letter from LTSB this morning

will post my letter before action first thing Monday morning along with a letter trlling me they are going to take £162 in unlawful charges from me on or around 1 Oct at this rate they are going to owe me £3000 instead of £2454

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Doing great so far, keep standing your ground - stick to YOUR deadlines, and remember not to let their bullying tactics put you off!

 

£162 in one month:mad: - how the hell do they sleep at night? Any further charges they impose can be added on when you file a Court claim, so at least you know you'll get it all back eventually.


Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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well thats the LBA sent

will look forward to posting my MCOL in the next 14 days before LTSB take their £162 of charges this month they must love me all i need is £300 OD and i would save myself all this

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Hi sparks,

 

Might be worth waiting until they do take that latest round of charges - then you can add it when you file your claim ;)


reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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thats a thought Reload

have to add £90 from this month too

so thats another £250 in 5 weeks they have taken from me all for the sake of giving me a £300 overdraft that i have been asking for for the last 2 years

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