newbie needing help with reclaiming charges from llyods

[jaystar85]

hello i am trying to work out if i can claim bank charges back from an old llyods bank account i held about 4 years ago

as i have not paid this for a number of yeas the debt is now sold to a dca.....however the debt is just under 700 over the course of me having the account i believe they took around 500-600 in charges hence why i went overdrawn in the first place.

i understand you can send a s.a.r and get 6 years worth of statements but the only issue is as the debt is now with a dca do i send the s.a.r to them or llyods

and as it was so long ago i dont remember my account number is this going to be possible to reclaim or is it worth my while just to pay it off?

any help would be appreciated as i really am vague on these issues

[BankFodder]

When they sell a debt off to a thurd party, they pass on the rights in th eocntract - but not the liabilities.

 

Serve the SAR on Lloyds and begin the claim against Lloyds as well.

 

Do begin the county court claim as once Lloyds have asked for the claim to be stayed - as they surely will, then you will have a basis for telling the DCA to push off as they sould not be able to pursue you on a stayed claim.

 

In fact when the application for the stay is made, you should be able to ask the court for an order to Lloyds to instruct the DCA to stop.

[jaystar85]

When they sell a debt off to a thurd party, they pass on the rights in th eocntract - but not the liabilities.

 

Serve the Subject Access Request on Lloyds and begin the claim against Lloyds as well.

 

Do begin the county court claim as once Lloyds have asked for the claim to be stayed - as they surely will, then you will have a basis for telling the DCA to push off as they sould not be able to pursue you on a stayed claim.

 

In fact when the application for the stay is made, you should be able to ask the court for an order to Lloyds to instruct the DCA to stop.

 

 

thanks are you able to tell me how i go about dong these things also as i dont know any account numer will it cause a problem?

[cas93]

Hi

 

I used this letter which I found here on the forum

 

Your name

Address

Date

Acc No:xxxxxxxxxxxxxxxxxx

 

 

Subject Access Request under the Data Protection Act 1998.

Please supply me with a complete list of transactions and charges relating to my card history with (name of company). Alternatively, a complete set of statements that include all transactions, late payment fees, over limit fees, all interest & charges for that period will be acceptable. In addition please supply copies of any default notices issued in this period & any other documentation or information pertaining to me that you hold in your records.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with your company.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

 

If this account has been sold or otherwise transferred to another organisation for administration or recovery please supply details of the sums notified by (name of company) to any such organisation & a signed true copy of the Notice of Assignment. Please state whether this was absolute or equitable.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

 

Yours sincerely

 

 

 

Your name (not a signature)

 

I dont know about the lack of account number but I am sure someone else will be able to help you there

 

 

 

 

good luck

 

 

cas

[maroondevo52]

Hi,

 

The account number should'nt matter, give them all the info you have on yourself when you opened the account, address ect.

 

That should be enough for them to search their records for what they hold on you.

 

In the Subject Access Request cas93 has provided change the word CARD for ACCOUNT.

 

Have a look at the step-by-step.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Regards.

 

Scott.