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Starting a claim against Lloyds TSB - Advice needed

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I am planning on raising a claim against Lloyds TSB for a breach of the DPA. I have a thread under the Lloyds sub-forum but want some specific advice for the actual claim. The ICO have confirmed that Lloyds have breached the DPA and now I want compensation. I am looking for over £10k damages but not sure if this is realistic (haven't been able to get a mortgage, loan etc). I believe that in Scotland this would be an ordinary cause action? Would I be liable for Lloyds costs if I lost? Also has anyone got a previous DPA breach based action that I could use as a basis for my claim. I'm new to all this so not sure what I'm supposed to be doing! Any help much appreciated.

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What basis had your DPA been breached?

 

You would need to quantify your claim and yes you could be liable for Llyods costs.


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Hi IndaInFife. I had a loan that stayed in collections for years and I paid what I could every month but was gaining interest. They transfered it to their debt section in late 2010 froze interest and then registered a default. I complained that the default should have been registered 6 months after I started making token payments (sometime in 2005). Lloyds agreed but then went back on their word and keep the 2010 default date. I complained to the ICO who upheld my complaint saying they agrred that my data was inaccurate and therefore breached the DPA. They wrote to Lloyds in July last year amd Lloyds agreed to change the default date but roll forward to today and the default is still there. The ICO have sent another letter asking Lloyds to explain themselves but so far silence.During this time I have needed to buy a replacement car as my old one died but couldn't get a loan other than a small sub-prime 1 year one at 50+% APR. I have had another baby and we needed to move house but I couldn't get a mortgage due to the default etc etc so I have send a LBA demanding £25 per day to cover the loss and inconvience. I have no other defaults and 1 late payment on my CRA's so if it hadn't been there I would have gained mainstream credit.Surely I would win if the ICO have said they side with me???

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