overdraft lloyds tsb

[steve76]

hi

 

was with tsb over 13 years until swapped banks , i had £200 overdarft limit to start but over years this reached limit of £ 2000 .........

 

received letters from them asking for full payment of £1995 to clear balance immediately or face further action

 

what do you suggest ?

[GamekeeperToPoacher]

Hi Steve,

 

As this is an overdraft I would go the SAR route to find out how the balance is made up to see if there are unfair charges which can be claimed back

 

GK

[steve76]

hi

 

thanks for reading my thread

 

what is that you suggested then ? im new to all this and not sure what you mean

 

any letter i can copy and send them ?

[babybear39]

For an account this old I agree with GK, there should be loads of unlawful charges on your SAR

 

Out of interest, who made the last demand, was it LTSB or ****?

[steve76]

it was a letter from lloyds tsb collections department

 

any advice what to writ in the letter ?

[babybear39]

I'll dig up an SAR letter for you now...

[steve76]

thank you for all your help its very much appreciated

[babybear39]

Data Protection Act 1998

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any 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 account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

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

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

Amend to suit, send recorded keeping a copy with your postal receipt, use a £10 postal order or get someone else to write the cheque for you, PRINT your name do not sign Or if you wish to sign it put something like this ..........x........ and sign through it so they can;t lift the sig.

[2Grumpy]

If you are after charges info, you can get this from online banking

 

Their statements go back 6 years

 

I have an issue with Lloyds where a disputed transaction made me go over limit & got charges. When they refunded the transaction, they didn't refund the charges. I'm currently going after them to refund charges made by their error (not the usual refund unfair charges), so it might be worth looking at any refunds to see if they put you in the same position.

 

Lloyds are amongst the highest charges of any bank & imo worth moving the account to a cheaper bank.

[BankFodder]

You should be seeking or account information that they have in their possession regardless of the form in which it is stored or whether it is in a current storage location or in archive.

 

You should be attempting to get all your charges information since 1995

[steve76]

hi again

 

ive just returned from few days away and had a letter from a solicitor on behalf of lloyds tsb ( some firm beginning with "s")..... letter is at my parents at the minute, they are demanding full payment within 14 days of this letter or i face legal action

 

i sent the subject access request along with £10 postal order on 15th may and that was when this letter was dated

 

what shall i do ???????????????.................please help me

[GamekeeperToPoacher]

Hi Steve,

 

Please do not panic and DO NOT CALL THEM!

 

It is almost certainly a scare tactic. Get hold of the letter, scan, remove personal info and then post here. We will then be able to advise.

 

GK

[steve76]

hi

 

the letter is at my parents letting my dad read it , will have to post bits on here tomorrow as havnt a clue how to scan it onto here

 

it basically read that they had been insturcted on behalf of lloyds tsb to collect £2002 within 14 dyas of this letter dated 15th may or i face legal action , the thing is the letter i had few weeks ago off TSB stated i had until 18th may to pay this debt , yet they instruct a solicitors to send letters on the 15th ?????

 

like i said earlier i sent the subject access request on the 15th so will i wait to hear a response regarding that request before i contact them ???

[lilly white]

You should be seeking or account information that they have in their possession regardless of the form in which it is stored or whether it is in a current storage location or in archive.

 

You should be attempting to get all your charges information since 1995

 

 

As far back as 1995 good god is this possible

 

lilly

[cymruambyth]

Have you told ltsb that you are disputing the account etc? If so send a variation of this letter http://www.consumerforums.com/resources/templates-library/86-debt-collectors/575-letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-

[GamekeeperToPoacher]

Hi Steve,

 

It could be important that the letter is seen by our experts as some eg DNs have to be precisely formatted

 

GK

[babybear39]

Was it Sechiari clerk und mitchell (****) that sent the letter?

[steve76]

yes that is who sent the most recent letter , has anyone any previous experiences with these people and what can i expect etc

 

i will copy the exact letter on here when get it back over weekend

[GamekeeperToPoacher]

Excellent ... and a bump

[steve76]

received a letter from lloyds tsb on saturday asking me to pay £70 a month until the debt is clear , shall i accept this or wait to hear their answer to the 2 requests i sent via recorded delivery as advised on here ??

 

the caa request and also the subject request

[cymruambyth]

I would send them a letter advising them that you are disputing the amount of the od due to illegal charges and that you are awiting their reply to your SAR which was delivered on ????

[steve76]

still havnt heard anything since sent subject access request on may15th

[babybear39]

You need to allow 40 days and then report them to the ICO, TS and the OFT.

[steve76]

ok thanks for the help again

 

so would you advise me to make token payment into old account or lie on it until receive that reply ?

[babybear39]

It's up to you whether to make a payment or not. If you've been making them it's hard to justify just stopping them for a SAR to come back although you have technically put the account in dispute if you've sent them the account in dispute letter that Cymru advised.