Right then here goes TSB

[loyalbrummie]

I am sending the first letter in requesting my statements today , now the 40 days is that including weekends or is it 40 working days ?

 

Cheers

 

Greg

[BARTY]

Hi

Its 40 calender days.

Barty

[Bean]

Welcome to the forum loyalbrummie!

 

The 40 days starts when they receive it, and relates to calendar days not working days.

 

Make sure you send your Data Protection Act Subject Access Request by recorded delivery (e.g. 'signed for') or get a signed receipt if you take it in by hand. Also include the maximum £10 statutory payment or give them authorisation to take up to £10 from your account.

 

See also:

FAQ’s:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Step-by-step instructions:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

Bank template letters:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Spreadsheet with interest:

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html?highlight=constructive

I suggest you read as many threads as you can. Be patient, stick with it and you will recover all that has been taken.

[loyalbrummie]

My Mrs sent the letter off today with a cheque inside for the £10 , she got proof of posting is that enough ?

If not should i ring the bank tomorrow and ask them if they recieved my letter ?

 

LB:cool:

[Bean]

Yes, phone the bank tomorrow to check that they have received it.

 

I find it is simplest to use 'signed for' which is not guaranteed to arrive the next day but requires their signature and is covered by the Royal Mail's online "Track & Trace". At present it costs £1 for

[loyalbrummie]

So il ring them today to see if my letter has arrived , do i have to ask for anyone inparticular , or just ask if they have recieved a letter from myself, what if the receptionist asks what its for do i tell her or tell her to mind her own business ?

 

regards

 

LB

 

40 days and counting

[Bean]

If your Data Protection Act Subject Access Request was addressed to a specific person, ask to speak to that person, if not, then speak to anyone in the department you sent it to.

 

It doesn't matter what the receptionist says, you just want to know if your Data Protection Act Subject Access Request has been received by them and can say that to anyone who asks. As the Act says, you are perfectly entitled to ask for your data, and to require you get it within 40 days of receipt of your request.

 

Don't worry about the "if's". Your claim will very likely follow the same or very similar course to that of those that have already been run (over 1700 settlements in the survey results alone). Do plenty of reading here, you will draw strength from the experience of others. This is your claim, YOU are in control, I suggest you don't let the bank dictate one iota more.

[loyalbrummie]

Just spoke to a louise at my branch who says they have recieved my letter , they are sending it onto the copy statement department who will be recieving my letter tomorrow , so thats the first hurdle jumped , time to shift up a gear now , cant wait till im flying over the last hurdle going past colin jackson il be running that fast

 

cheers

 

LB

[Bean]

Well done Linford... er loyalbrummie.

[loyalbrummie]

How long does it normally take for them to take the £10 , i would have thought that they would have snapped that up straight away being the greedy buggers that they are !

LB

[Bean]

They may take your £10, they may not.

 

They may take it straight away or presumably at any time during the 40 days, even after they have provided you with your data.

 

In my experience, each of my credit card companies did not bank the £10 cheque I sent them.

 

I sent one Data Protection Act Subject Access Request to LTSB for my current account and my credit card, including authorisation for them to take up to the statutory maximum of £10 from my account. They provided data for my current account at 18 and 20 days (2 parts) after receiving my request. They debited £10 from my current account at about 25 days. They provided data for my credit card at 43 days.

[loyalbrummie]

hi all , just a quickie , i have not heard anything at all from TSB regarding my statements , would it be worth ringing them again and seeing how far they have got with my case ?

 

cheers

LB

[loyalbrummie]

What a surprise they have taken my 10 pound for the SAR , how long does it take after that to start recieving my statements ?

regards

LB

[Bean]

...i have not heard anything at all from TSB regarding my statements , would it be worth ringing them again...

 

Yes

[Bean]

What a surprise they have taken my 10 pound for the S.A.R - (Subject Access Request) , how long does it take after that to start recieving my statements ?...

 

They have 40 days to comply with your Data Protection Act Subject Access Request. The timing of them taking the £10 seems to have no bearing on when your data arrives.

[loyalbrummie]

cheers so just have to play the waiting game then ..

 

regards

lb

[loyalbrummie]

Didnt have to wait too long for the waiting game as the postie delivered my statements today , what a shock to find that they have taken nearly £1200 pounds form me over the years (EDIT barstewards) , now to the next level .!

The o/d interest does that include even when the charhe is for a direct debit or is it just for the o/d excess fee .

 

Thanks for the help guys

 

 

 

**Moderator Note: Edited due to libelous content.

 

Regards

LB

[GaryH]

You can claim the O/D interest that was applied on top of just the unlawful charge. It does'nt matter what the charge was for, so yes you can claim it on a D/D charge, but please note that you CANNOT just claim the total monthly overdraft interest - it has to be only the interest that was applied as a direct result of the unlawful charge. There is a spreadsheet to help you with this in the templates library, but it is quite complicated and personally, I don't bother. You are intitled to it back though, so it may be worth giving it a go - its completely up to you.

[loyalbrummie]

Thanks for that quick response

 

Cheers

[loyalbrummie]

Can someone please tell me where toi send my prelim letter is it to my branch or to another department .

 

regards

 

C CARTER

[GaryH]

Send all correspondance here;

 

Martin Orton

Manager

Customer Care,

Lloyds TSB,

125 Colmore Row,

Birmingham

B3 3SF.

[Franco99]

hi

 

I have called Lloyds today and they have given me the following address:

 

Lloyds TSB Customer Care

3rd Floor

Colmore Row

Birmingham

B3 3SF

 

Also I have emailed them at :

[email protected]

they got back to me in 4 hours asking that I also send the letter by email to them, however i will just deal with post for now. Any questions though you may aswell email them there.

[loyalbrummie]

Nice 1 thanks for your help

 

regards

 

C CArter

[Bean]

Re: Contact address, point of contact:

 

Technically, you can use any address where Lloyds TSB conduct their business, though presumably a branch or customer services are best prepared to handle your claim.

 

I found it handy to direct all my correspondence via one person in my local branch.

 

There are several advantages to this:

 

- This manager has knowledge of my personal banking history.

 

- Documents can be hand-delivered and signed for over the reception counter as necessary.

 

- There is no duplication or confusion as all correspondence to the bank arrives via him and is then distributed accordingly.

 

- If anything were to go adrift for any reason, I could speak to him and ask him to resolve it.

[Franco99]

I will be sending my claim in the next couple of days, GaryH have you actually posted anything to that address you provided?

 

Cheers

F