Kirsty v Lloyds TSB

[kc_31]

Hi everyone,

 

I've just sent 3 SAR letters, so the the 40 day countdown begins!!

I can't wait to find out how much my claims will be for. Does everyone get excited thinking about standing up to the banks?

[bearo]

Yes!!! And you will be suprised about how excited you will also be when you see the postman coming with mail from your bank!!

Keep us informed!

[kc_31]

Will do, thanks.

[kc_31]

Just a quick question. My Mum has a Lloyds account and is about to start a claim, she needs to know whether or not she is likely to need a parachute account. Has anyone actually needed one or not?

 

Thanks.

[livelylad]

Just a quick question. My Mum has a Lloyds account and is about to start a claim, she needs to know whether or not she is likely to need a parachute account. Has anyone actually needed one or not?

 

Thanks.

 

The best advice is to open one just in case and some people have needed them.

[kc_31]

Ok thanks.

[jendoc]

Hi.........I agree it does get a bit exciting especially if we have never stood up to and fought someone this big before!......but really all were doing is fighting to reclaim our OWN money that has been taken by these arrogant Bankers.....Best of luck kid, stick with it and don't take NO for an answer.

 

Jendoc

[freebird]

hya KC yes I opened a parachute account up, best thing I ever did, read my thread and you'll see why

good luck

[kc_31]

Hi Freebird, I tried to read your thread but it keeps saying 'page cannot be displayed'.

[GaryH]

I would recommend the Co-op Bank for a parachute account. They're about the best of a bad bunch. Their Cashminder account can be opened by anyone no matter what your credit history (so long as you've not been convicted of fraud), and you get a debit card. See this thread for more details; http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html?highlight=parachute

[freebird]

here you go Kirsty

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/16906-freebirds-flight-path-15.html

good luck luv

[kc_31]

Thanks everyone. I already have a cashminder account and trust me when I say if they let me have one, they'll let anyone have one!

 

Thanks again.

[GaryH]

Apparently its to do with their ethical policy or something. They believe everyone should have the right to full banking facilities, no matter what your credit/financial history. Obviously when I say 'facilities' I don't mean overdrafts too, they are still subject to your credit score.

[kc_31]

I did have one small problem to straighten out before they accepted me. One of my old creditors had me down as 'gone away' on my credit file but once that was corrected they opened my account. I would reccomend them to anyone who needs a parachute account and has a poor credit history.

[kc_31]

Lloyds are takin' the p**s with my statements.

 

I sent the S.A.R - (Subject Access Request) on 14/10/06. About 2 weeks later I received a letter from them saying they had to send the statements to a branch of my choice because I have moved since the account was closed, even though I sent them proof of the old and new addresses.

 

I sent back the reply slip saying which branch I wanted to collect them from but haven't heard anything since. I called them yesterday and the snooty cow on the other end said "we Do have 40 days to comply" but the 40 days were up on 18/11/06, unless they have started counting from when they received the reply slip from me.

 

Can they do that? I thought the 40 days started as soon as they have sufficient info to produce the statements, in which case their time is up!!!

 

Thanks in advance,

 

Kirsty.

[kc_31]

Hi, does anyone have an answer to my last question?? I'm getting impatient with Lloyds!!

[GaryH]

The Data Protection Act states that for the data controller (Lloyds) to supply the data, it must first be able to confirm the identity of the data subject (you). Having sent the two proofs of address, I would have thought this would be satisfied, although I suppose thats down to interpretation. I'd send a letter stating the fact that you provided 2 proofs of address and as such you feel that they had all the information required for them to process your request from the date they received it. Warn them that unless you receive your statements in 7 days, you will complaim to the Information Commisioners Office.

[kc_31]

Thanks Gary. I sent them the front cover of the old paying in book for the account which had my old address on, a utility bill as proof of my new address, a copy of my marriage certificate as proof of the name change, a copy of my driving licence and a copy of my passport!! I would have thought that would be more than enough. I had a similar situation with HSBC and they sent my statements straight away.

[GaryH]

In that case, they're talking rubbish. The 40 days would start from the date they received the request. The ICO would almost certainly find in your favour if a complaint was made. Heres my non-compliance letters which your welcome to use if you like. If you do, make sure you add a bit to say what ID you've provided already with the initial request. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/25932-garyh-hsbc-including-contractual.html#post229640

[kc_31]

Thanks again Gary. I did start typing a letter to them earlier this evening, but my stupid computer decided to crash! Never mind, your letter is much better anyway!

 

Don't you just LOVE the message you get if you try to tip someone's scales more than once!!!

[GaryH]

Yeah I know - gotta spread the love! Thanks for the thought though.

[kc_31]

My DPA non-compliance letter is ready, I will send it recorded tomorrow.

[GaryH]

Good plan;)

[kc_31]

Sent today recorded. I've given them 7 days to get my statements to me.

[kc_31]

I have finally received my statements (it's only been 52 days)!!!!!

 

Something doesn't seem right though. The account was only open from July 2002 - September 2003 at which point Lloyds closed it saying I had too many unpaid DD's. According to my statements, there were only 2 that went unpaid. There is not a single charge listed on any of the statements, so why didn't they charge me? And why did they close my account if there were only 2 unpaid DD's??

 

This has me totally baffled, can anyone offer any advice / help please??