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reload vs Lloyds - ding ding, round 2


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Hi all,

 

Been a while since I was properly active on these forums - will be getting my head back into it, now the summer's over and done with and the students will be back in soon :)

 

Anyway, as per my original thread, I only claimed for the previous 4 years. So I have another 2 years to work on.

 

Data Protection Act Subject Access Request letter has just been printed, and will be in the post to Lloyds tomorrow :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Good luck Reload- Make sure you kick their butts good and proper! :D

Letter asking for my money back sent 24/07/06

Letter sent by them saying a big fat "NO" on the 26/07/06

LBA sent via email on the 31/07/06 14 days and counting.

Letter from them on 07/08/06 saying Bugger Off

MONEY CLAIM ISSUED 14/08/06

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Hi reload,

 

It's good to see you back, I'm sure you're match fit

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Welcome back and good luck Reload!

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Patience, young jedi. WB Reload, go get 'em again.

 

Regards

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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Edited: See page 2

 

Pending the data back from my S.A.R - (Subject Access Request). Anyone would think I'm impatient ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Nice one. Address it to Martin Orton, he's about the most arrogant member of Lloyds customer care staff I think.

 

Wonder if they actually take it to the CC claim stage this time - you'd have thought they'd know better second time round, but I doubt it. Still, if it does get that far you'll have the pleasure of dealing with SC&M this time.:rolleyes:

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Good luck reload. Something tells me Lloyds won't give in that easily though! Still, always worth a try!

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Nice letter Reload! Suspect I may be following suit on that one! You go get em!

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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  • 3 weeks later...

Ah well, ambitious thinking on the letter. Still nada from my SAR, and Royal Mail still showing the letter as undelivered. Just going to email Ms Penny Berryman at Lloyd's Data Protection Department and 'see' if they have received it, and going to phone Royal Mail on Monday and get them to look into it. If, as I suspect, it's one of those 'indescipherable signature' jobs, I'll get them to mail me a copy.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Ah well, ambitious thinking on the letter. Still nada from my S.A.R - (Subject Access Request), and Royal Mail still showing the letter as undelivered. Just going to email Ms Penny Berryman at Lloyd's Data Protection Department and 'see' if they have received it, and going to phone Royal Mail on Monday and get them to look into it. If, as I suspect, it's one of those 'indescipherable signature' jobs, I'll get them to mail me a copy.

 

Reload, what e-mail address do you have for Penny? I want to follow up my SAR (I just sent it first class so I can't trace it :().

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Reload, what e-mail address do you have for Penny? I want to follow up my S.A.R - (Subject Access Request) (I just sent it first class so I can't trace it :().

 

I was going to ask the same thing. We sent a couple of SAR recorded but, like with you Reload, they're showing up as not being delivered yet - even though it was last week they were sent.

 

Thanks, 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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Hmm, this is odd. Which address did you send them to Lucid?

 

The email address I have for Ms Berryman is [email protected] ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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We sent both of them to:

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48 Chiswell Street

London

EC1Y 4XX

 

One of them was a Letter Before Action for non-compliance sent on 22nd September. Mindzai had sent a SAR for his credit card and received about 5 photocopies of completely blank statements. The other was a SAR for Mindzai's sole account and joint account requesting t&cs, original contract and all recordings of telephone conversations - sent on 21st September. The other letters that were sent at the same time were all received and delivery was confirmed on the Royal Mail's site. I've read elsewhere that the postman doesn't always get the businesses to sign for the letters and they don't necessarily record the delivery until later either - I don't know if this is right.

 

Thanks for the email address. I'm sure Mindzai will try to email Penny Berryman to see if she did receive those two letters.

 

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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Hmmm, very interesting thanks Lucid - same address for my SAR.

 

I'll call Royal Mail tomorrow and try to get the lowdown on what the score is with that address. Certainly seems to be some funny business going on.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Oh, just noticed on that Email address - the forum software seems to automatically parse an extra space in between Lloyds and TSB. "penny.berryman@Lloyds TSB.co.uk" without the quotes should do it :)

 

Gah, I give in!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Oh, just noticed on that Email address - the forum software seems to automatically parse an extra space in between Lloyds and TSB. "penny.berryman@Lloyds TSB.co.uk" without the quotes should do it :)

 

Gah, I give in!

 

Thanks Reload - I've just sent an e-mail to her to ask whether they have it.

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Oh, just noticed on that Email address - the forum software seems to automatically parse an extra space in between Lloyds and TSB. "penny.berryman@Lloyds TSB.co.uk" without the quotes should do it :)

 

Gah, I give in!

 

Any joy in getting a response from that e-mail address yet Reload? :)

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None whatsoever :(

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Mindzai sent her an email this morning so will let you know if he gets a response - although it seems as though it's not going to be likely.

 

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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10 days to go, and the cheque I sent has finally been cashed...

 

... amusingly enough, 4 days after I sent Penny the email. Funny coincidence, that, dontcha think?

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Well, quelle surprise - statements turned up today. Getting the highlighter out tomorrow - off for the night now, ta ra chaps :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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