new claimer agaimnst lloyds need a bit of help

[helluvatractor]

hi all, i've only just found out about your fantastic site,

i , like many others, watched the bbc money programme about claiming back bank charges. all fired up, i checked my girlfriends lloyds bank statements (i could go back 4 and a half years online) and found out they had charged her over £1000!. reading on the bbc money programme site, it said that you could work out the average over the six years by a simple formula which took the total for six years to £1377.

 

thus, i filled in the template letter the bbc provided and sent this off to lloyds, a couple of days ago they sent me a letter saying how sorry they were i was not happy but sod you anyway. it was then that i found out about your site.

 

i wish to go ahead and send off the 'LBA' letter using the template on this forum, but it says about including a schedule of charges, i didnt include this with my first letter, i guess it is a list of dates and charges over the six year period, but bearing in mind i can only go back 4 and a half years of statements i'm not sure what to include if anything. should i edit the letter template removing all the bits about including a schedule of charges??

 

any help very gratefullyappreciated, cheers

[Michael Browne]

Welcome.

 

You can go back 6 years. Send a DPA SAR to find out all your charges

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[helluvatractor]

cheers michael, have already read through the faqs and beginners pages for over 2 hours and feel much more enlightened already, although i still lot a lot to get through!!

 

i obviously want to get start started so have printed out a Subject access request letter from the template. however, i have searched through the forum and cannot find the answers to 2 questions ;

 

1) in what form should the £10 be? cash? cheque? and if so who should the cheque be made out to?

 

2) i don't know where to send the letter to, i've tried the link below;

 

Information Commissioners - Data Protection Public Register

 

i typed in 'lloyds', and it comes up with too many results, put in 'barnstaple' or 'Devon' and no matches are found.

 

if someone could please just point me in the right direction, PLEESE!

 

i understand this may be a very dumb sounding couple of questions to people who have already been through the process, but there is a LOT of info on this site, not all of it easy to find, and i dont want to make a cock up right at the start. we all have to start somewhere.

[lucid]

Hi,

 

You can use this address for the S.A.R - (Subject Access Request)

 

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48 Chiswell Street

London

EC1Y 4XX

 

You send a cheque addressed to Lloyds TSB. You can also hand deliver it to your local branch but obviously it probably takes a little longer to reach the relevant department.

 

Lucid

[Michael Browne]

1) in what form should the £10 be? cash? cheque? and if so who should the cheque be made out to?

Cheque made out to Lloyds TSB Bank Plc

2) i don't know where to send the letter to, i've tried the link below

HO address is fine, It'll be redirected via internal mail

[helluvatractor]

many thanks lucid, can get started now and settle down to some reading while i wait up to 40 days for the reply. thanks again:)

[Michael Browne]

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48 Chiswell Street

London

EC1Y 4XX

 

I don't think Penny Berryman works there any longer, but the address is fine.