West v Lloyds ***WON***

[weststreet]

Can anyone tell me the right e-mail address to use to chase up a DPA letter ?

 

I sent my letter off 03/04/06 Recorded !st class with P.O. for £ 10.00 fee. The Royal Mail site isn't showing it as delivered so no tracking available. Have asked P.O. enquiries if the P.O. has been cashed but reply will take 2 weeks. So I'm in limbo - I don't know if the problem's with Royal Mail ( lost ) or Lloyds.

 

So I thought I'd e-mail Lloyds and ask for confirmation they've received the DPA request ( would at least know whether it's in-hand or whether I have to re-do it if lost ) but what's the right e-mail address to send this query to ?

 

Thanks

[weststreet]

Thanks Lee

 

I think the fates are conspiring against me. Sent an e-mail to the above but it wasn't accepted :

 

Your message

 

To: Contact Us

Subject: DPA Request

Sent: Thu, 13 Apr 2006 15:01:03 +0100

 

did not reach the following recipient(s):

 

Contact Us on Thu, 13 Apr 2006 15:01:28 +0100

The message could not be delivered because you do not have create

permissions on this folder or it is only available to folder owners at this

time

The MTS-ID of the original message is: c=gb;a=

;p=lloydstsb;l=IMC0604131401HYSYJ0T0

MSEXCH:MSExchangeMTA:LTSBUK:EXCRSLTSBNET002

Any other e-mail addresses that would work ?

Thanks

[weststreet]

Thanks All

 

My home computer doesn't work with this site, so had to wait till at work to respond.

 

HD - I used your e-mail address and it hasn't come back, so we'll see what happens. Mjanet, don't know what was up with the Us address, but I couldn't get through on it.

 

Feeling frazzled here. The account was closed last year and we have only a handful of statements for it. Weren't online with it then, so we really need those statements/info before we can go forward. I actually think Royal Mail haven't delivered it/have lost it.

 

I'll sit tight for a couple of days to see if I get a response from [email protected] . Otherwise I think I'll have to send the letter off again and get another postal order ( no cheque book ).

 

Thanks for all the help.

[weststreet]

Well Penny hasn't responded today.

[weststreet]

Thanks Spice

 

I already have. It says tracking unavailable till delivered ie not delivered. But I know sometimes the posties don't scan them in so there was a chance it really had been delivered. I was hoping the penny berryman e-mail would mean they provided the info anyway ( thinking it's lost in the branch system ). Just my luck, I send it recorded - and it gets lost !

 

An idea - I've read somewhere here that Lloyds won't accept cash at a branch ?? It would save me time now if I give the letter plus £ 10.00 at a branch ( not where the account was at ). Is that not possible ??

 

Thanks

[weststreet]

Thanks Spice

 

Hand delivery plus cash it is then.

[weststreet]

Just starting my own thread to keep track of things. This actually is for my O/H who I've been helping to sort out his finances/debts.

 

Early days for us. Today hand delivered the DPA letter to a Lloyds branch with the £10 fee.

 

I haven't a clue what the charges will come to. O/H was self-employed with long gaps between jobs. I know the credit cards/loans etc got bouced whenever he was in a gap. When he finally told me how bad things were, we went through what statements he had, and in one month Lloyds had charged over £360 in returned d/d's and unauthorised overdraft fee. But because he didn't keep statements this month could have been a 'bad' month with nothing like it before. Like I said we've no idea what these charges will add up to over the 5 years ( he closed the account this time last year )

 

Will update this thread as we get more info/further along the path.

[weststreet]

This sounds pathetic but ........ we've just had our first e-mail from the infamous Keith Boden and felt quite chuffed .... like something is happening at last.

 

Have been advised that your request is being dealt with under reference xxx. Our Copy Statement Unit will be in touch with you in the near future.

Regards

Keith Boden - Lloyds TSB

How sad is that ??

[weststreet]

Shocked at the speed. DPA letter & £ 10 given at branch on 20th April. Response from Lloyds by post today. No statements ( which is what I was expecting ) but :

 

' View statement entries ' - List of charges/type/date/value

' Customer Notes ' - O/H's history with them. All the abbreviations mentioned in one of the main threads, haven't a clue what they mean e.g. EXMGMT.

 

Charges are £ 1,500. Will get O/H to sign first letter asking for refund and send tomorrow.

[weststreet]

Just doing the first request for refund.

 

BF's template says ' I calculate that you have taken £xxxx plus £xxxx which you have charged me in overdraft interest for the sum which you have taken. Total £xxxxx '

 

It's the interest bit. I thought you couldn't recover the overdraft interest unless it was totally/provably generated by the charges. And I thought the 8% interest only applied when you file the Court claim.

 

So am I correct in thinking I am only asking for a refund of the charges back at this point ?

 

Sorry if it's a dumb question

[weststreet]

Thank You

[weststreet]

Received the standard 'get lost' letter today. Geeze Lloyds are fast ( which is good ). They were very polite i.e.

 

' Thank you for taking the time to contact us about your account '

 

Plus we got the mandatory leaflet ' How to voice your concerns?' plus they will help refer the complaint to the FOS if required. What we expected from reading other posts. So letter before Court action goes out tomorrow.

[weststreet]

Thanks sweet & lizzie

 

LBA being done now. It's strange, it's kind of scary and a bit exciting mixed together. Never done a small claims court thing before either. Seems weird issuing proceedings against a big financial institution ........ but I got a lot of comfort from reading other people's posts. They've gone through this same cycle and as long as you do it properly .... hopefully ( fingers crossed ) we'll get this money back.

[weststreet]

I'm filling in the moneyclaim particulars. Using the library guide notes. After I do the narrative in the particulars, it says lay out your calculation. When I tried saying total is 1.7k ( xxx 03/06/05 xxx 04/07/05 etc ) i.e I gave each charge and date to total the 1.7k I am claiming - I ran out of space. I was also timed out lol. I can't attach a spreadsheet to this claim ? if I can how ? But if I can't how do I spell out the detail of the charges totalling 1.7k without running out of space ??

 

Many Thanks

[weststreet]

Sorry Lueeza.

 

You can tell I'm getting a bit stressed by this !

 

I was on holiday last week but got the second 'get lost' letter during last week. So it's on to filing the moneyclaim claim. Between catching up on work and filling in the moneyclaim particulars, I'm wibbling like crazy

[weststreet]

Lizzie

 

Just saw what you wrote. Well Lloyds can't threaten O/H with anything because he closed his account with them last year ( think they were glad to see the back of him ). And if I don't do this for him - it doesn't get done ! I think his 'financial' gene got missed off at birth, anything to do with money and he just glazes over. Prime fodder for a bank lol.

[weststreet]

Well finially got the Moneyclaim submitted. I was stuck for ages within the number of words but too many lines - not realizing what was wrong and why the thing wouldn't submit. Anyway - done now.

 

Quick question. Because I was only able to say total charges £xx between date and date, and total interest £xx, do I need to get O/H to write to Lloyds enclosing the spreadsheet itemising the charges and interest calculation ?

 

Thanks

[weststreet]

Sorry to bump this but does anyone know whether I have to do the above ?

 

Thanks

[weststreet]

Help !!

 

Just looked at our claim online ( which has been accepted ) now.

 

It's showing ' Northampton County Court ' ?????

 

I deliberately used the '48 Chiswell Street. London' address for Lloyds as defendents cos we, the plaintiffs live in London, and I knew if we went to Court it would have to be in London for us.

 

Why have they allocated Northampton ? and can we get it changed ?

 

Thanks

[weststreet]

Phew !!

 

Thanks Lueeze

[weststreet]

Got a couple of questions, if anyone has got any thoughts ?

 

First : I just had a look at the list of charges starting 02/01/02. DPA request was dated 31/03/06. Because this is for O/H I didn't have a handle on this account. Lloyds never provided statements - just a list of 'view statement entries' ie charges and 'customer notes'. I used these for the Court Action. Now I've just looked at the 'customer notes' and these go back to 1998, so either there were no charges on the account 31/03/00 - 02/01/02 or I haven't been given all the information and the moneyclaim amount is wrong. Do you think I should get O/H to write to Lloyds asking for statements for this 'missing' period or their confirmation there were no charges during this time ?

 

Second : This seems to be taking forever. Moneyclaim filed 15/05/06. Defence advised 16/06/06. Allocation questionnaire filing date 05/07/06. Since then nothing. I got O/H to ring Court about 2 weeks back to get an update and they told him the judge would be allocating court dates that week and he'd hear in a couple of weeks ! This is the Central London County Court if that makes a difference. Is this length of time normal ??

 

Thanks

[weststreet]

Got a couple of questions, if anyone has got any thoughts ?

 

First : I just had a look at the list of charges starting 02/01/02. Data Protection Act request was dated 31/03/06. Because this is for O/H I didn't have a handle on this account. Lloyds never provided statements - just a list of 'view statement entries' ie charges and 'customer notes'. I used these for the Court Action. Now I've just looked at the 'customer notes' and these go back to 1998, so either there were no charges on the account 31/03/00 - 02/01/02 or I haven't been given all the information and the moneyclaim amount is wrong. Do you think I should get O/H to write to Lloyds asking for statements for this 'missing' period or their confirmation there were no charges during this time ?

 

Second : This seems to be taking forever. Moneyclaim filed 15/05/06. Defence advised 16/06/06. Allocation questionnaire filing date 05/07/06. Since then nothing. I got O/H to ring Court about 2 weeks back to get an update and they told him the judge would be allocating court dates that week and he'd hear in a couple of weeks ! This is the Central London County Court if that makes a difference. Is this length of time normal ??

 

Thanks

[weststreet]

thanks mjanet

 

I used the template letter and so, agreed, didn't ask for statements. To be honest I just don't believe there were no charges in that almost two year period. This Lloyds account was closed last year so no internet access. Not really sure what to do about it ?

[weststreet]

Well. reallu really nervous now

 

We're in Court this Friday. Have heard absolutely nothing from Lloyds ...... deadly silence.

 

So maybe O/H is the guinea pig. Gawd, I hope not.

 

Surely Lloyds wouldn't leave it this late to settle if they weren't intending to go all the way.

 

Please give me some hope people ....

[weststreet]

Anyone ??

 

I'm really scared.