Vital spark v Lloyds Tsb

[Vital Spark]

Hello. I'm Vital Spark or VS and this is just to say, "Hi", and thank you to all for establishing this site to help us all.

 

I would also like to thank 'Lula', from our chat yesterday, for her help in finding the necessary information for reclaiming bank charges from Lloyds TSB (Scotland).

 

[Vital Spark]

Sorry folks, I'm confused.

 

Do we send the Data Protection Act 1998 letter, requesting information regarding our bank history, to our own banks or to their headquarters?

[Vital Spark]

Lloyds TSB Bank PLC should do it Daisy.

 

Should I presume that in Scotland this would be "Lloyds TSB Bank (Scotland) plc"

 

I don't want to give them the chance to return my letter. As a dyslexic, I find this sufficiently difficult as it is.

 

Lloyds TSB (Scotland) plc recently (last couple of weeks) charged me £35 for a returned DD. The manageress (Jennifer) told me that she couldn't waive the charge. I thought the banks had been told that £12 is now the maximum they can charge. Am I wrong AGAIN?

 

My daughter just phones her branch in Glasgow and, as soon as the manager comes on the line, laughs and says, "Another charge to be waived/ Okay it's done".

[Vital Spark]

Thanks for this Reload. I'm really aprehensive about starting this claim b ut simultaneously feel that Lloyds were exceptionally harsh and unhelpful when I was in the middle of a rather nasty insurance claim in 2004, so I reckon I should chase them. Why should they be allowed to keep money which should rightfully be mine?

 

During that spell of turmoil in which my health was affected as well as my home, I was going in person to the nearwest Lloyds branch (couldn't live in my home so was put up in alternative accommodation) with letters from my insurers stating what cheques, with the amounts, they were issuing to me but the bank wouldn't budge one inch regarding helping me out. They slapped charge after charge on my account during that claim time adding to the thousands of pounds out of which the the insurers "did" me.

 

I supose the dyslexia doesn't help my confidence in successfully handling such a claim.

 

The help of all you generous people on here is invaluable to me. Thank you all very much indeed.

[Vital Spark]

Ha Ha Welcome to the forum.

 

Looks like its gotta be no deal..........Have you sent the letter before action ?

if so then its time for the only word they will respond to COURT.......

 

Sorry lottie36 for hijacking your thread for this matter. I can't seem to find the means of starting a new thread. Perhaps someone will be kind and either reposition this thread or will direct me to starting a new one.

 

Can anyone advise me as to which of the following letter templates is best to use for the initial letter to my branch of Lloyds TSB (Scotland) plc?

 

 

[date]

[My address]

 

[bank's Address]

 

Re: Accounts numbered: ######## & ########

Dear Sir/Madam,

I request that Lloyds TSB (Scotland) plc provides me with details of all default charges for unauthorised overdrafts and unpaid direct debits and standing orders paid by me over the last six years.

Lloyds TSB (Scotland) plc, I understand, is obliged to provide this information under the Data Protection Act 1998.

I look forward to hearing from you within 40 days.

Yours faithfully

[signature]

[Customer's printed name]

 

OR

 

 

[date]

 

[customer's address]

 

 

[bank's address]

 

Data Protection Act 1998

Subject Access Request

Dear Sir/Madam

 

ACCOUNTS NUMBERED: ######## & ########

Please supply me with a complete list of transactions and charges relating to my banking history, over the past 6 years, with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

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.

 

I enclose the statutory maximum fee of £10. Lloyds TSB (Scotland) plc have 40 days in which to comply with this request. Furthermore, if I discover that you have levied disproportionate penalties against me, I shall be reclaiming them and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information, which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one to which you normally communicate my private business and which you have hitherto found to be acceptable.

 

 

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

[signature]

 

[customer's printed name]

 

????????-ALSO-????????

 

To whom should I make the £10 postal order payable?

 

Still:???:

 

Thank you

[MARTIN3030]

Use the second one its the Cag temp.

Make the cheque to Lloyds Tsb Plc.

 

I have moved your post accordingly.

[caro]

Have you got all your bank statements to calculate your charges? If you click on the link below it takes you to the spreadsheets that help you to calculate the total and the interest. It is actually in Google but has been set up by Vampiress. It takes you to her chambers, where Vamp or someone else will often be found and can help you through. Spreadsheets might sound scary, as might Vampiress and her Chambers, but the only ones who need to be afraid are the banks. It is all designed to make it easier for people who are not used to doing this kind of thing. Keep us posted on your thread about how you get on.http://www.consumeractiongroup.co.uk/forum/post-750.html

[MARTIN3030]

Welcome ........hope the cake turned out ok !

[Vital Spark]

Thanks for establishing this thread for me, Martin. You can't know how much I appreciate your help.

 

If it's possible to send or post a pic on here, I'll send one. Got another two cakes to make today.

 

1) for a friend's wee laddie and

 

2) for my daughter. Got her birthday date mixed up with her age. Age is 24 birthday's on 27th. Wheeeew! reprieve. Haven't decided exactly what decoration for her cake but that usually develops as I make it, anyway, so unperturbed as yet.

 

You'll have to direct me regardiing or uploading pix.

 

Don't get any ideas of relaxation, btw. I'll be keeping you all busy.

[MARTIN3030]

Don't get any ideas of relaxation, btw. I'll be keeping you all busy.

 

 

 

Hmnnnnnn ......of that I am sure !!

[Vital Spark]

Okay folks, :eek: here goes. I'm printing off the following letter as I type this. I hope it's the correct one for my initial approach to Lloyds TSB.

 

PLEASE correct me asap, if I'm wrong.

 

I've made some slight alterations check them out, please so that they don't render the thing useless.

 

I'm scared.

 

 

 

[my address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: ######### (or multiple numbers if more than one account)

 

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, 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.

 

If you are unable to supply this data because there has been no such manual intervention, please be so kind as to confirm that this is the case, in your response.

 

Please find enclosed the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

Should you require further, specific information in order to satisfy yourself as to my identity, please let me know by return? However, please note that the above address is the one to which you normally communicate my private business and which you have hitherto found to be acceptable.

 

Subsequent to receiving word that they are in possession of the requested information, I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

[signature]

 

[full name, as it appears on my bank card, typed]

[MARTIN3030]

Yes this is fine ...you have done the right thing.

Dont forget your account number.

[Vital Spark]

Thanks Martin. I am not sure to where I should be sending this letter. Should it go to Lloyds TSB (Scotland) plc headquarters (whatever their address) or my local branch?

 

I have put the address of my branch in the heading but I thought to hand it in at my local branch and request a receipt so that they cannot claim it was enver received. Not that I don't trust the bank cough, cough .

 

We'll orgnise something, regarding the other matter, when you get back to me on the pm. Okay?

[Vital Spark]

Okay. Time for that lack o' peace, Martin, and anyone else willing to help bop the banks.

 

Now remember, I need foolproof guidance a la mode d'eejit:

 

1) to where and whom do I address this initial, S.A.R - (Subject Access Request) letter requesting the information in accordance with the Data Protection Act 1998? I propose hand delivering the leter to my local branch although they are not the branch which holds my account but they are always telling me that I can conduct my business in any branch. I'll be asking for a receipt.

 

2) to whom do I make the postal order payable?

 

3) can I reclaim form bank accounts which I haven't used (presumable they're closed,) in a number of years (since 2000 maybe 2001)?

 

4) what about business acounts which have been long closed?

 

Yip, I did rememebr to inlcude my account numbers in the letter, Martin :lol: You're getting to know me. ;-)

[MARTIN3030]

Okay. Time for that lack o' peace, Martin, and anyone else willing to help bop the banks.

 

Now remember, I need foolproof guidance a la mode d'eejit:

 

1) to where and whom do I address this initial, S.A.R - (Subject Access Request) letter requesting the information in accordance with the Data Protection Act 1998? I propose hand delivering the leter to my local branch although they are not the branch which holds my account but they are always telling me that I can conduct my business in any branch. I'll be asking for a receipt.

 

2) to whom do I make the postal order payable?

 

3) can I reclaim form bank accounts which I haven't used (presumable they're closed,) in a number of years (since 2000 maybe 2001)?

 

4) what about business acounts which have been long closed?

 

Yip, I did rememebr to inlcude my account numbers in the letter, Martin:lol:You're getting to know me. ;-)

 

 

 

Ok you will be ok with your local branch in fact read this

Yesterday, 03:59

andyrace vbmenu_register("postmenu_338023", true);

Basic Account Customer

Join Date: Aug 2006

Posts: 14

 

 

Re: Lloyds customer service restructure - new contacts

I sent my data protection act letter to my local branch. Got my statements in 3 weeks.

 

 

Make the postal order to Lloyds Tsb Plc in fact they are printed off for you these days at the post office.Make sure you keep the reciept for the postal order as you will need this to cash it if they return it (unlike the old style )

Yes you can go back 6 years......this should be taken from the date you first told the bank you were aware of the unlawful charges and have evidence to support that ie letter to them.

Closed accounts are ok to claim whether open or closed.

Now theres enough to keep you busy.

Unfortunately I will be away for a few days attending to some personal stuff however I am sure Olliebear will advise you if you get stuck !....

[Vital Spark]

Thanks Martin.

 

Enjoy your few days off.

 

Why would they return it?????? The Postal order, I mean.

 

Hmmm, regarding the 6 weeks thingy, someone on one of the threads said that the banks cannot call in the 6 year restriction.

 

Anyway, can sort this out when I get the letter handed in.

 

Will get it done today.

 

Don't suppose you know which bank address should go on teh ehading of the letter, do you? My own banch or the one to which I'm handign the eltter?

[Vital Spark]

Well, I handed in my letter today and I have a receipt for it.

 

The girl at the desk was so nice, pleasant and even encouraging. She went, of her own volition, and checked to see if I'd had any other accounts with the bank so that I could include them. Then she wished me luck as I left.

 

She said that she thought Lloyds weren't taking the £10 fee from folks but just sending the statements. I told her to take the postal order anyway and that they could give it back if that was their policy.

 

Oh well, that's one down.

 

See if somebody had a Visa card, which got way out of hand, and the bank transferred the balance to a loan , what happens there? It was a debit with, eventually, an OD facility wot got well over the limit at one point, although my branch knew about it as it happened.

[bearo]

Sounds like you are on track there!

 

Just wait to get all your info and we can go from there, in the meantime read the longer threads in here to give you an idea of what to expect, if you need any help just let me know....

[Vital Spark]

Thanks Ollie,

 

Martin said you'd take care of me in his absence.

 

What's the word on how far back our reclaiming goes? Are we resrticted to the 6 years?

 

So far, I've received conflicting reports.

[caro]

Just go back 6 years for now VS. When you have all those charges back, then try for the rest in a seperate claim. That way if the second claim fails, at least you will be assured the six years worth.

[Vital Spark]

Good thinking, Batwoman: you too will be getting a cape to match Vamps':

 

I've asked for all history of my accounts from Lloyds but I don't need to use it all in my first claim, do I? So I'll take your advice.

 

What should I do failing my bank's by the 12th December: ergo over the given 40 day period? Not that I expect to need a contingency plan as I believe Lloyds are producing the information goods relatively promptly.

 

Lloyds are still charging over the odds for going into overdraft or returned DDs. Is there anything we can do about this or must we wait for this OFT report?

[caro]

There is an LBA for non-copliance of your SAR if needed, and in all probability we will have a long wait before they stop overcharging. The OFT won't be a quick fix unfortunately.

[Vital Spark]

Hi folks,

 

Still waiting patiently to hear from Lloyds in response to my S.A.R - (Subject Access Request).

 

By the way, my signature, which contains a record of progress against Lloyds is't appearing. It was. The correct boxes are still ticked.

 

:confused:

[caro]

Except for admin, mods and site helpers, it only appears once or possibly twice in each thread now to save space on whatever they need to save space on. I'm not technical in case you hadn't noticed. lol

[Vital Spark]

LOL! Well Caro, as one non-tech to another, your explanation conveyed more to me than any technical one has ever done.

 

Vive la non techno!

 

Does anyone know if Vamps is returned from her hols? I have a weatherproof placard ready for her.