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    • I agree with dx about the letter, please don't send that. I'll have a think about it later and I hope dx will have time to as well. Regarding you teaching undergrads, did you talk to your students union about how a criminal record would affect you?
    • sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? Dear Investigator/Prosecutor,  Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.  I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.  I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.  Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.  I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.  I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.   Yours sincerely,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
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Joined today and have spent all afternoon reading, I will be writing a letter to Lloyds TSB immediatly and will keep you updated with the results, I have two accounts with this bank and it will probably take some time to check the costs incurred once I have the information, okay wish me luck

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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Posted letter asking for information 0n my accounts last night they should receive it monday feeling really positive at the moment

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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Joined today and have spent all afternoon reading, I will be writing a letter to Lloyds TSB immediatly and will keep you updated with the results, I have two accounts with this bank and it will probably take some time to check the costs incurred once I have the information, okay wish me luck

hey, i am in exactly the same boat as you! 2 accounts with lloyds and just about to go into battle. Do you know where to address the letters to? because i've read evrything and thats the only thing I cant find out. The search database link confuses me... good luck, rob

Claiming £2042 from Lloyds!

Claiming £198 from Barclaycard!

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I used 25 Gresham Street London, EC2v 7HN there appears to be other adresses one in Birmingham but others have used this one so I hope it is alright, It would appear that recorded delivery is the best I didnt do that because I hadn't read enough so I will rollow up and check that they have received it.

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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Didn't send letter to Lloyds recorded delivery:confused: so I have posted a letter to ask them to acknowledge my first letter they can't loose both of them:-| can they

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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I sent my original one to the London address and chased it via email. They hadn't received it and advised me to send another letter to the Birmingham address which is the one that is dealing with statement request. I didn't send mine recorded either but I'm going to chase it this week with an email.

Data Protection Act request sent 03/08/06

Statements received 08/09/06

Prelim letter sent 12/10/06

Letter before action 27/01/07

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no rreply yet but the 40 days is running so why worry off to Dorset for the Steam fair next week Lloyds bank can't touch me there--- all cash!

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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Hi

Bit worried about the process of claiming bank charges from HSBC as I not only have an orverdraft facitlity with them, which I am using to the full, but I also have my mortgage and a credit card with them. Will they be difficult about all these accounts do you think? :-|

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  • 2 weeks later...

Back from Holiday received a phone call from my Bank Manager as she had been sent my letter asking for acknowledgment of my Data Protection Act letter. She asked my advice? I suggested that she contact Gresham Street.

This morning I received a letter from Colmore Row saying they where looking in to my complaint and would have an answer within two weeks. I have replied advising them that as yet I had not complained but I had sent a letter asking for disclosure of information under the Data protectio Act and that the 40 days was now down to 20.

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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Back from Holiday received a phone call from my Bank Manager as she had been sent my letter asking for acknowledgment of my Data Protection Act letter. She asked my advice? I suggested that she contact Gresham Street.

.

lol!:D

you know more than the bank manager!

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  • 2 weeks later...

Received paperwork from Bank Friday it looks complete at first glanc I will go through it on sunday and work out all the costs and hopefully get my first letter of.

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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IT HAS TAKEN ME NEARLY THREE HOURS TO GET THE INFORMATION TOGETHER

TOTAL ON BOTH ACCOUNTS FOR LAST SIX YEARS IS £3697.50 + INTEREST OF £869.03 IS £4566.53p I WILL DOUBLE CHECK MY FIGURES AND THEN DO SOME READING UP ON FIRST LETTERS AND HOPEFULLY GET ONE OF TO THE BANK TODAY

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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Should my letter go to my local branch i understand?that I do not include the 8% interest but i am unable to compute the interest charged on these charges as i do not have the information for my account balance at the time they where made it was usually overdraft i do have the information on overdraft interest charged but i have received small ammounts of interest on my account over the years so I think I will just leave it at the figure of £3697.50p

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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You can send your letter to your local branch but they will forward it on to the relevant place, so it would be quicker to send it directly to this address:

 

Customer Service Recovery Centre

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

A lot of people seem to leave out calculating the interest they paid on charges as they think it's more hassle than it's worth. If you think that it won't amount to much then it'll probably be better to leave it out.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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  • 3 weeks later...

I have today received a letter from Customer Service Recovery Centre - Andover saying that they have recieved my complaint and that it will take two more weeks for them to respond. This has taken them longer than the two weeks offered to them in the first letter to even respond do I continue and send my letter before action or do I give them more time I have had a lot more charges added over the last few days.

data protection letter posted 19.08.06

prelminary approach posted 24.09.06

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