Abby vs Lloyds TSB

[Abby]

Hello all.

 

I had a bank account with LLoyds TSB many years ago and I sent the data protection letter to see if I had any charges within the 6 year timeframe. I sent the DPA letter on 5/6/06 followed by a reminder on 19/6/06 (they also asked me for some more details) and lastly a letter threatening to go to the information commisioner if I did not get my details on 17/7/06 . They turned up yesterday. I can claim 4 months (June to October - when I closed the account).

 

I also requested details of my credit cards that I had at the time but those details have not turned up. I feel another letter coming on.

 

Prelim letter will be sent recorded delivery today.

 

Abby.

[c_allen]

if they sent you details for account going back more than 6 years, and theres charges on them there is a possabilty that you can claim for them as, well just have a look around this forum or do a search for more info on this;)

[Abby]

They didn't. In fact they sent me half of a statement so the dates tallyed with the date of my SAR letter.

 

I sent them Penny and email with regard to my credit cards. I have given her seven days to get the info or I will report Lloyds to the IC.

[Abby]

I sent Penny an email.

[Abby]

Received a lovely email today regarding my credit cards.

 

Thank you for the e-mail, which has been passed to this office by Penny Berryman's office.

I am extremely sorry to learn that you are still awaiting the information relating to your Creditcards.

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Card Services and asked that they provide an indication as to the expected date of despatch. I have noted that the accounts were closed a number of years ago and I believe that there can be a delay with closed accounts, due to the need to retrieve archived information.

Regards

Keith Boden

Lloyds TSB - Customer Service Recovery

Birmingham

[Abby]

Another e-mail from Ketih Boden

 

I have just received confirmation from our Copy Statement Unit to say that they were asked to provide statements of your current account, but they cannot find trace of a request for information relating to the Creditcard accounts. They have requested the information form Card Services today and trust you will be hearing from them in the near future.

Regards

Keith Boden - Lloyds TSB

Funny that, letter asking for information regarding my current account included the line;

Please supply me with a complete list of transactions and charges relating to my bank account, credit cards and loans

[Abby]

Been on holiday and come back to find no correspondence from Lloyds TSB at all so sent them LBA today via email.

[Abby]

Started moneyclaim against Lloyds TSB today. No sign or any information regarding my credit cards though.

[Abby]

Received acknowledgement of my claim today which was a lot quicker than I expected.

Update on credit card statements. Apparently they were sent to my old address. They cannot reissue them to my new address as I have not told the branch that I have moved (even though my account statements came to my new address). The statements will have to be reissued to my local branch and I will go and pick them up. Great.

[Abby]

I have received a letter from the court asking me to clarify and

 

1) Does she accept claims for adjustment from 14th September 2000 now fall foul of the limitations act (see defence) and if not on what principle of law does she apply?

 

I am unsure of how to answer this. My schedule shows my first charge on 1/7/2000 and I first wrote to them asking for payment on 26/7/2006 although my SAR letter was sent on 5/6/2006.

 

Would I be okay to answer along the lines of

 

When I first let you know I wanted my money back it fell within the time specified in the limitations act.

 

Or is there something much cleverer I coud write?

[BARTY]

Hi

As far as I know, you can claim for all the charges 6 years back from when you send the SAR, so what you've done is correct. Hopefully someone else will have an idea of what to write.

Barty:)

[Janet-M]

The answer is no you don't accept it .The limitation act comes in from when you write your prelim letter requesting your money back .

You can write .. I first applied for my penalty charges to be repaid to me on ?? date .They are within the time limit allowed by statue of limitations .. or something on them lines

[Abby]

I wrote to the court as suggested by the kind replies. I have since had a court date and been informed that part of my case has been struck out as the charges relate to 6 years before the case was bought.

[Abby]

Went to court last Friday. Lloyds TSB did not turn up so I won. Some of my claim was struck out as the charges related to 6 years before I had begun my court case. I was awarded traveling expenses and parking, interest to the date of the court case and court fees for the amount I won not the amount I claimed for.

 

When I got home there was a letter from Lloyds TSB saying they want to settle and not to go to Court. Too late!

 

An enjoyable experience.

[wilky423]

Well done Abby - not being nosey, but was it a good amount ?

Have a good time with the money.

[Abby]

Not a huge amount £330.57. Worth every penny though!

[wilky423]

Fantastic, well done.

I'm looking forward to my £2,800 (personal) & £1,500 (business) that they have been looking after for me.

I hope I get the same good decision you did.

[BARTY]

Congratulations!!:grin: :grin:

Barty:)