Vital spark v Lloyds Tsb

[Vital Spark]

Oh, nearly forgot. Seems a good and economical idea regarding the signatures, btw.

[Vital Spark]

Can anyone tell me how long the banks usually (can only go on average, I suppose) take to settle up?

 

Does it vary according to the bank involved or to the case and how much is being claimed or what? Has a discernable pattern even emerged as yet?

[leespeds]

From what i've read it varies greatly. some going right up to the day before court!

 

Keep to it and follow the advice and hopefully it'll be sooner

 

Good luck

[Vital Spark]

Thanks Leespeds.

 

Oh, don't you worry, I'll be following the instructions very closely and, furthermore, I've already warned Martin (apologetically, I should interject,) that I'll be questioning and requestioning the advisors before making one single move to ensure I'm not misunderstanding the directions and blowing the claim.

 

Wouldn't it be wonderful, if all banks decided to pay out before Christmas and even to those who don't know to claim. Just by the turn of a "Screw-j",..............

 

........if you'll pardon the (could this be called onomatopoeic,) pun.

[Vital Spark]

"onomatopoeia Show phonetics

noun SPECIALIZED

the creation and use of words which include sounds that are similar to the noises that the words refer to"

 

Hmmm, maybe at a stretch.

 

Notice how bad that grammar is and from the Cambridge online dictionary: ending a sentence with a preposition: tsk, tsk, tsk!

[Vital Spark]

Discovered that it's 5 years in Scotland.

 

Racial discrimination, that's what it is!

[caro]

Apparently it's because in 1707 the Scots signed the act of union giving a seperate legal system, education and church. Acknowledgement must go to George McManamin for that piece of information in the Scotland forum. He adds "I'm pretty sure it was then that they set the maximum £750 limit also for small claims", although I think £750 was not a small claim in 1707 myself.

[Vital Spark]

Hmmm, well, n ot much in here form me for a while.

 

I received soem of the info I requested, well within the given time but it was gobbledegook to me.

 

I couldn't get anyone up here to help o through it with me, so it took yonks (remembering that my dyslexic problems are worse numerically,) to figure out that, even within the 5 years info the bank DID send, there are a number of statements missing: no wonder it didn't correspond with the other info they sent.

 

I#m not convinced that this was in fact a bank "Error". They have my dyslexia noted so possibly thought they could put me off completely. They almost succeeded.

 

Now I am considerign whether to send anotehr SAR with another £10 postal order or should I telephone and write requestign the missing material: because of the confusion it caused, it has been some time. Of course, illness and injuries are also responsible for extending this period.

[caro]

If your original SAR was asking for all information I see no need for you to pay a second fee. Just point out that information is missing.

[Vital Spark]

Hi folks,

 

Can someone please read over the following letter to Lloyds and give me their opinion on it? If it's useless, please feel free to offer any suggestions. All welcomed.

My address:

1st June 2007

 

Suzanne O’Kane

Customer Support Manager

45 Robertson Street

Atlantic Quay

Glasgow

G2 8JD

 

Dear Ms O’Kane,

 

Re: ac nos: ######## and ########: sort code: XX-XX-XX

 

I received paperwork, signed by you in October of 2006. This was in response to my request for details of my banking history. At the time I paid the £10 fee for which I received a receipt.

 

What I asked for was the record of ALL my banking history with Lloyds TSB (Scotland) plc. What was sent were part of the records going back to 2000.

 

I put my difficulty calculating charges down to my dyslexic problems but, when it became too complicated for me to deal with the task, I had to enlist the help of another thereby exposing personal information to that other.

 

It seems my difficulties arose from Lloyd’s shortcomings rather than from my dyslexic problems: they merely confused me. The information sent to me was incomplete: a number of statements are missing from before the year 2000 and from in between that year and today’s date.

 

I have paid the required £10 for my request for ALL statements relating to my full, banking history with Lloyds TSB (Scotland) plc. Please will you forward to me all statements, from all my accounts with Lloyds immediately as the 40 day deadline since my first application for such information has now long passed?

 

Since Lloyds have been asked, by me, to take note of my dyslexic difficulties, I am suspicious that this shortfall in providing the material I requested is merely a delaying tactic on Lloyds part, in the knowledge that it would make calculating charges difficult. I sincerely hope my suspicions are unfounded.

 

 

Yours, in good faith,

 

 

 

Margaret Gardiner

[rory32]

Hi,

I think the letters fine. You may also wish to report Lloyds to the ICO this tends to push them slightly. Lloyds seem to be a total shambles at the moment.

[Vital Spark]

Hi,

I think the letters fine. You may also wish to report Lloyds to the Information Commissioners Office this tends to push them slightly. Lloyds seem to be a total shambles at the moment.

 

But are they, Rory? After all, it was Lloyds who had that case thrown out down south.

 

Don't mind admitting I'm scared of proceeding. The dyslexia makes me panic when anything goes the slightest bit awkward in any proceedings in which I lose my place and can't understand what's happening or why.

 

I will take your advice, however, and send the letter to them.

 

Cross your fingers and wish me luck.

[Vital Spark]

Hi,

I think the letters fine. You may also wish to report Lloyds to the Information Commissioners Office this tends to push them slightly. Lloyds seem to be a total shambles at the moment.

 

Rory32, how do I go about reporting Lloyds to the Information Commissioners Office?

 

Still haven't heard back from Lloyds with the missing information.

[rory32]

You can download a copy of the ICO's complaints form here http://www.ico.gov.uk/upload/documents/library/data_protection/forms/data_protection_complaint_form.doc

 

You will need to give them copies of the letters you have written to LLoyds and any they have written to you in support of your complaint. The address to send it to is on the last page of the form.

[Vital Spark]

Thanks Rory, I'll attend to that tomorrow , if I am not still being sick every few minutes. Must have caught a bug.

[rory32]

Oh dear, hope you get better soon.

[Vital Spark]

Just to give you all a wee smile.

 

This is brilliant-wouldn't you love to do this

A 98 year old woman wrote this to her bank. The bank manager thought it amusing enough to have it published in “The Times”.

Dear Sir,

 

I am writing to thank you for bouncing my cheque with which I endeavoured to pay my plumber last month. By my calculations, three 'nanoseconds' must have elapsed between his presenting the cheque and the arrival in my account of the funds needed to honour it.

 

I refer, of course, to the automatic monthly deposit of my Pension, an arrangement which, I admit, has been in place for only eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account £30 by way of penalty for the inconvenience caused to your bank.

 

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways.

I noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity which your bank has become. From now on, I, like you, choose only to deal with a flesh-and-blood person.

 

My mortgage and loan payments will, therefore and hereafter, no longer be automatic but will arrive at your bank by cheque addressed personally and confidentially to an employee at your bank whom you must nominate.

 

Be aware that it is an offence under the Postal Act for any other person to open such an envelope. Please find attached an Application Contact Status, which I require your chosen employee to complete. I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative.

 

Please note that all copies of his or her medical history must be countersigned by a Solicitor, and the mandatory details of his/ her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

 

In due course, I will issue your employee with a PIN number which he/she must quote in dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modelled it on the number of button presses required of me to access my account balance on your phone bank service.

As they say, imitation is the sincerest form of flattery.

 

Let me level the playing field even further.

When you call me, press buttons as follows:

1-- To make an appointment to see me.

 

2-- To query a missing payment.

 

3-- To transfer the call to my living room in case I am there.

 

4-- To transfer the call to my bedroom in case I am sleeping.

5-- To transfer the call to my toilet in case I am attending to nature.

6-- To transfer the call to my mobile phone if I am not at home.

 

7-- To leave a message on my computer (a password to access my computer is required.

A password will be communicated to you at a later date to the Authorized Contact.)

 

8-- To return to the main menu and to listen to options 1 through 8

 

9-- To make a general complaint or inquiry, the contact will then be put on hold, pending the attention of my automated answering service. While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call.

Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement.

 

May I wish you a happy, if ever so slightly less prosperous, New Year.

 

Your Humble Client

 

(Remember: This was written by a 98 year old woman; DOESN'T SHE MAKE YOU PROUD!!?)

 

[rory32]

Saw the letter a while ago on another thread. Still makes me laugh though

[Vital Spark]

I wrote to Lloyds advising them of lgal situation regarding taking charges from benefis but they have still taken it putting me into overdraft. They had the advice from me in plenty time: as soon as I received the letter informing me they proposed taking it, in fact: return post.

 

I am now going to e-mail them again advising them of the law adn pointign out that they are in breach of same.

 

Still not received rest of material requested in Data Protect letter.

 

GRRRRRRRRRRRRRRR!

[Vital Spark]

Can someone please expalain what the f=difference is if there have been manual intervntions, as requested in teh extract from the Cag recommended SAR?

"In addition, where there has been any event in my account history, over this period, which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes, which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

Should you be unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response."

 

 

[caro]

It will cost the banks more if someone has done something as a result of your bounced direct debit, or going over your overdraft limit.

 

If they've had to pay out £35.00 for work as a result of this, then they would be justified in charging you £35.00. It would be a genuine cost to the bank and not a penalty charge to you. You are asking for some proof that they've paid this out. If however the process as a result of your breach is entirely automated, as it is in 99.999999% of cases, and it has cost them 50p for example, then they can only charge you 50p and not £35.00 as they probably have.

[Vital Spark]

Hmmm, how on Earth do I know what meritted intervention and what didn't if they have only sent the list of charges made over the past years.

 

The first lot they sent had some details of interven tions, I think, might not have been but it's such a jumble. I#ll have to try to go through it all again.

 

Never short of a drama in this house. My kitchen went on fire last week ad having had a nasty experience with insurers, I packed in my policy meaning to renew it with another company.

 

Unfortunately, my To-it is the wrong shape so I am left with no contents insurance but a black house (minus some material possessions but, thankfully, with all lives intact), to clean.

 

Every time I think I am about to turn that darned corner for the upturn in life, I get stumped by something else and always by something someone else has done.

GRRRRRR!

[Vital Spark]

OH PHOO! Maybe I should forget the darned lot and stop trying to get my life back in order.

 

I'm too sore and I'm too tired! AND no doubt the banks will wi against me anyway. YAAAAAAAARGH!

[Vital Spark]

Sorry folks.

 

You don't come on here to be moaned at. A good, strong cup of tea and I'll be smiling again.

 

I will, with your help, work at the bank reclaim and I'll do my best to win.

[rory32]

I will, with your help, work at the bank reclaim and I'll do my best to win.

 

 

I know at times it's frustrating, but don't give up. You will get there in the end