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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • BankFodder
      EVRI have lost parcel £300 model kit

      By BankFodder · Posted

      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
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      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By T911 · Posted

      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lloyds & SAR

theformerdebtor

By theformerdebtor
in Lloyds Bank

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theformerdebtor

theformerdebtor

Posted
  • Author
Posted

Got the answer from them now. I am planing my next move.

 

Lloydsp11_zps072f02a6.jpg

 

 

 

Lloydsp22_zpse0793f61.jpg

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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theformerdebtor

theformerdebtor

Posted
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Posted

merry christmas to all cag users

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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Guest

Guest

Posted
Posted

sounds good so far? all related charges back plus o/d interest, and stat interest, plus compensation.

just the issue of the default?

 

and a merry one to you :)

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theformerdebtor

theformerdebtor

Posted
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Posted

Hi Ford. Thanks. Merry one to you too :-)

 

Thanks for reply.

Yes, thats right. As they all admitted that all this happened due to their mistake the default should be removed too.

I might consider it taking the matter to court as well.

 

Thanks

TFD

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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  • 4 weeks later...
theformerdebtor

theformerdebtor

Posted
  • Author
Posted

hi all

 

Thanks for reading my thread. I might need a bit of help to draw a letter and to let them know that I am not happy with their final answer regarding the default and if they are not putting everything right I will consider to take the matter to court.

 

Their argument is

 

" In relation with the default notice against your credit file, as explained in our previous letter we are not able to amend this. On reviewing your account both then and now, we have found that the notice would have been applied anyway due to the position of the account, regardless of this error or the subsequent charges applied. "

 

WHAT ???

 

They can predict the future now??

 

Thanks for reading.

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

In my opinion you have little chance of getting the default entry removed from credit records, the banks explanation seems very reasonable on this.

 

You have I think exhausted the banks 'complaints procedure' so your way forward is a complaint to FOS and/or the ICO, you will need to send copies of ALL correspondence to them.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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2Grumpy

2Grumpy

Posted
Posted

Have you tried telling them that if they had not made a mess of the account then you would have paid money in and the default would not have been registered, but because of their blunders, you had to make alternative banking arrangements for that period to avoid their trousering all of your cash. It sounds as though they made it impossible for you to use your account.

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theformerdebtor

theformerdebtor

Posted
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Posted
Have you tried telling them that if they had not made a mess of the account then you would have paid money in and the default would not have been registered, but because of their blunders, you had to make alternative banking arrangements for that period to avoid their trousering all of your cash. It sounds as though they made it impossible for you to use your account.

 

Hi Grumpy

 

Thanks for you reply.

 

 

That is exactly what happened to the account. The FOS was in my favor every time I contacted them about this.

It was everything ok with the account until all this happened. That's why I need to draw and send them a letter about.

 

Thanks

TFD

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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  • 9 months later...
theformerdebtor

theformerdebtor

Posted
  • Author
Posted
In my opinion you have little chance of getting the default entry removed from credit records, the banks explanation seems very reasonable on this.

 

You have I think exhausted the banks 'complaints procedure' so your way forward is a complaint to FOS and/or the ICO, you will need to send copies of ALL correspondence to them.

 

Hello Comrade. Is that how you spell Comrade, is it? :)

 

Thanks for reading my thread and thanks for your reply.

 

This has been a long battle now so, I just got in touch again with the FOS.

 

There is something that I didn't realise until today. Lloyds never inform me that the account will go into Default nor sent me a Default Notice, which at this point the Default in the Credit File is a bit illegal, is that correct? More than that they entered the information twice. So my Credit File shows that I had two account with Lloyds both for the same amount and both in Default at the same date, instead of one.

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Hello Comrade. Is that how you spell Comrade, is it? :)

 

Thanks for reading my thread and thanks for your reply.

 

This has been a long battle now so, I just got in touch again with the FOS.

 

There is something that I didn't realise until today. Lloyds never inform me that the account will go into Default nor sent me a Default Notice, which at this point the Default in the Credit File is a bit illegal, is that correct? More than that they entered the information twice. So my Credit File shows that I had two account with Lloyds both for the same amount and both in Default at the same date, instead of one.

 

 

If no default notice was received the default could be Unlawful (civil matter not criminal).

 

 

The process of reporting accounts to credit files has changed, instead of the original creditor removing its entry when a debt is sold it marked settled/satisfied then the debt purchaser enters their details on the files so the progress/conduct of the account fully.

 

 

However the Default date can never be changed it must always be that placed by the OC.

 

 

Also Default Notices are not routinely archived as hard copy and all a creditor does is note that a DN was sent on specific date.

 

 

Is there no mention of a DN being sent within the SAR data?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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theformerdebtor

theformerdebtor

Posted
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Posted

Thanks again.

 

Always at the barricade. :)

 

 

Nothing really. Please see #12

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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theformerdebtor

theformerdebtor

Posted
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Posted

No. I requested it with the £10 fee and what's in post 12 is what they replied with. I didn't know what to do from there. Tbh, I don't want to ask them to produce a copy as I am aftaid that if they don't have one they might draw one just now.

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
No. I requested it with the

 

 

 

 

Lloyds have pulled a fast one here saying " here's the statements you asked for" and taking the stat fee for that.

Even though a deal of time has passed this should be challenged with the Data Controller of Lloyds.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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theformerdebtor

theformerdebtor

Posted
  • Author
Posted

Hi Ford.

 

Thanks for the reply. Yes I did requested a SAR.

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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theformerdebtor

theformerdebtor

Posted
  • Author
Posted
No. I requested it with the

 

 

 

 

Lloyds have pulled a fast one here saying " here's the statements you asked for" and taking the stat fee for that.

Even though a deal of time has passed this should be challenged with the Data Controller of Lloyds.

 

Is there a template for that please?

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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theformerdebtor

theformerdebtor

Posted
  • Author
Posted
There is a failed SAR letter in the CAG library.

 

If there is something specific you want you can highlight this in the failed SAR letter.

 

Was it a full SAR that you sent them originally or did you just ask for specific information?

 

Hi IMS

 

I did asked for a full SAR. And their reply is in #12.

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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theformerdebtor

theformerdebtor

Posted
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Posted

Got it. Thanks guys. I'l have it send tomorrow. I will keep you all updated.

 

PS:

I've contacted FOS about it again and they are now waiting for my reply. I want to see if Lloyds have the Default Notice before I'll reply to FOS. What's the time limit you can send the completed forms back to the FOS?

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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  • 4 weeks later...
theformerdebtor

theformerdebtor

Posted
  • Author
Posted

Hello all

 

Got the answer from Lloyds now.

They asking for the £10 pounds to be paid when I've actually told them that they didn't comply with it.

 

Lloyds_zps148fbfa7.jpg"]Lloyds_zps148fbfa7.jpg[/url]

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

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Guest

Guest

Posted
Posted

didnt you already send them a tenner with yr initial dsar?

and they processed it, sending limited info, without asking for that id? typical loyds!

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