TSB being obstructive in search for details-Please help??

[craigten]

Hi, my friend has now written two letters (recorded delivery) to different parts of Tsb asking for his account number (so he can then make the first step of reclaiming the charges) and it has been over 2 months now and neither department has replied. If i didn't know better id swear that they know the reason why he is asking for it!!

What can he do please?

Ps- this was the letter he/we sent:

 

I wrote to you on the 21st of May 2009 requesting my account number. This is what I wrote:

 

Please can you send me my account number for the credit card I held with you from the dates of 17th of February 2003 to the 30th of March 2007. My address at the time was: (Edit) and my date of birth is: (Edit)

Thank you.

 

Unfortunately, you wrote back quoting the Consumer Credit Act and the Data Subject Access Requests, asking me to pay a fee of £1 and claiming that I didn’t include enough details, even though I included my address at the time I held the credit card with you, my date of birth and even the exact dates I opened and closed the account. I can’t help but think that you didn’t understand my request so I ask again- Please can you send me the account number of my account that I held with you from the dates of 17th of February 2003 to the 30th of March 2007.

 

 

It has now been quite a long time and there has been no reply at all!

Is it vital that he gets the account number before makingbthe s.a.r?

I have these details from Experian but are they enough? :

 

When the account was opened

When the account was closed

What his credit limit was

His address at the time of having the account

Edited August 12, 2009 by ukaviator
Personal information removed

[saintly_1]

No its not vital that he has the account number I would send them a SAR enclosing the fee of £10 giving all the details that you have about the account

[craigten]

Hi, Thanks you forn that!! To which Tsb address should i send the sar to please?

[saintly_1]

Data Protection Act

 

Copy Statement Unit

Lloyds TSB Bank plc

Swallow House

10 Swallow St

BIRMINGHAM

B1 2AL

[craigten]

Hi, the latest update is that 30 or so days ago my friend found an old statement with his account details/number on so i sent off a SAR and today he got this reply:

We recently recieved your data subject application request for all data held on your credit card ********, which was opened in 2003 and settled in 2007.

Thank you for supplying us with your previous address for when this account was opened, this will assist us with our investigations to obtain the data you require.

I can see that we do not hold an up to date signature for you. If you would like us to go ahead with this request and forward any data we may find to your home address please sign and date the enclosed slip. For your security staff at any branch of lloyds tsb will be happy to take a signature from you for our records. Please call in with your passport or driving licence as identification.

If we do not recieve a signed reply to this letter, any data we are able to obtain will have to be collected from your nearest lloyds tsb branch.

 

Please can someone verify that what they are saying is that he can go into his local branch and get his data and doesn't have to sign the slip and send it back? You see, they have beem stalling for ages with my friend and i just dont trust them!!

Thank you in advance for any help!

[saintly_1]

Inform them that you are more than happy to pick the data up from the local branch ;-)

[craigten]

Hi, thanks for that! Would you advise him to put the signature on the form anyway??

[JuryMan77]

no. write back agreeing to SHOW I.D. at a local branch. I'd hate to see anyone have their signature copied and used for something it shouldn't be used for. I'm not suggesting this would happen in this case but...

 

For example, you post back your signature on a slip and it gets scanned into their "system" for record. The same "system" holds (or doesn't) your CCA. It's not an outlandish suggestion that a less-than genuine establishment might use said signature for something other than just checking your identity at a future date...

 

Like I say - not suggesting Lloyds would do that. But other large banks HAVE done that. It CAN be done ...

[craigten]

Hi there!!

I have a probelm: My friend went into his local Tsb to give his signature and they promised him that they would get the relevant office to process his signature and get him hsi info.....at the same time i sent this letter to the return address:

Dear Debbie Loveridge

Please find enclosed the signed letter that you sent me requesting my signature. I can’t help but feel that this is yet another stalling tactic employed by yourselves as I sent my first Subject Access Request to the Copy Statement Unit in 10 Swallow Street in Birmingham on the 15th August and it is now the 25th of October. For your information I am keeping all my requests and subsequent replies/delays on record and have already informed the Information Commissioner of the trouble I am having getting my statements/information.

I have included the relevant £10 payment by way of a cheque should you wish to charge me the £10. Also, just for the record, I have included yet another Subject Access Request letter below. It says that you have 40 days to comply but I expect you to send me the information I request before that time period being as I have been waiting, in effect, since early August.

Yours sincerely, Mr XXXXX

 

 

Now, only a few days later he received a\letter from the 'DSAR' Team from Tsb saying the following:

Thank you for contacting Lloyds Tsb Bank plc to request your personal information held in automated systems and manual files relating to your credit card.

I am pleased to enclose the information, which has been compiled in accordance with the Act.

However, I am still awaiting further information from our Consumer Debt Recovery Department. This will be sent out in due course, if anything is received. please accept my apologies for the delay.

I hope that this meets your requirements. Explanatory notes have been attached where appropriate but if you should require further clarification regarding any of the material that we have provided please contact us for guidance on the above telephone number

Extremely annoyingly, all they have sent is my friend is a copy of his credit agreement with a sticker on them saying 'These are the copy statements you requested'....but no statements!!

I have been trying to get these statements since the 15th of August and these sods just keep trying to put me off!!

GOD im annoyed!! :cry:

[craigten]

Hi, just a quick question please:

Ok, Tsb have now sent the statements (thankfully) so im ready to send a request for repayment. My question is do i have to edit the Request for Repayment letter in the Bank Templates to suit a credit card? ie- change the words 'bank charges' for 'credit card charges' etc etc..

[craigten]

Hi, just a quick question please:

Ok, Tsb have now sent the statements (thankfully) so im ready to send a request for repayment. My question is do i have to edit the Request for Repayment letter in the Bank Templates to suit a credit card? ie- change the words 'bank charges' for 'credit card charges' etc etc..

[lazeeboy]

Hi Craigten

 

Yes, I would change the wording to reflect that it is CC charges.

 

Have you added the statutory interest ? some of the threads also talk about adding the interest that was accrued at the time of the unlawful charge, try and search the forums for 'reclaim credit card charges'

 

Is there PPI on the CC as well, you may be able to recover that as well?

 

good luck

[craigten]

Hi, thanks for that! No PPi im afarid! So you suggest i claim the 8% in my first letter?

[craigten]

Hi, thanks for that! No PPi im afarid! So you suggest i claim the 8% in my first letter?

[supasnooper]

I'd advise just to wait for a few days before submitting a claim.

 

Keep an eye on the sticky threads at the top of the forums.

[craigten]

Hi,

Sorry, i've been away! Please could you explain why you advised to wait a few days before claiming against Lloyds Tsb? And please forgive my dullness but what and where is/are the 'sticky threads'? :|

[craigten]

Hi,

Sorry, i've been away! Please could you explain why you advised to wait a few days before claiming against Lloyds Tsb? And please forgive my dullness but what and where is/are the 'sticky threads'? :-|:-|

[supasnooper]

If you click this link -

 

Lloyds Bank - The Consumer Forums

 

and then look at the threads that are at the top of the page in the larger writing