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Karl and Lloyds in a tree...


KarlEdmunds
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Hi guys, I have followed this site briefly over the last month and only several days ago received my bank statements but there a few problems before I continue to the next stage.

 

My request for bank statements in the past six years listed all four of my accounts, and I sent a £10 cheque along with the letter. Was this the correct thing to do or should I have posted an individual letter and cheque for each account?

 

I have only received my Credit card statements, and none for the other three accounts. Will these arrive soon assuming I completed the first step correctly?

 

I recently upgraded my Credit card to platinum to reduce interest for 19% to 15% therefore I assume my Gold account is closed. Will this prevent me from claiming the £238 worth of charges?

 

I look forward to your advice and the return of my hard earned cash :)

 

regards

 

Karl

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Hi Karl.

You can reclaim charges from an account whether it is open or closed....makes no difference.

 

They have 40 days to comply with a Data Protection Act SARs request... you didn't say how long ago you sent it. Did you definitely put all the account numbers on the letter?

 

Personally, I would contact the bank and tell them that they still have not complied with your request. Tell them if they don't comply, then you will report the non-compliance to the Information Commissioners Office.

 

Good luck.

Regards, Rooster.

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Thanks Rooster.

 

I sent it the 25th November, I'll give them a few more days. All the account numbers were correct, just checked the copy.

 

It is absolutely ok to put more than one account on the data protection act letter then?

 

When it comes to court (assuming it does) will I have to file a separate case for each account or for the total sum?

 

Karl

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I have just noticed in another thread that people have been sending their SAR to

 

enny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48, Chiswell Street

London

EC1Y 4XX

 

I sent mine to

 

Lloyds TSB Bank plc

25 Gresham Street

London

EC2V 7HN

 

Now obviously this can't be too much of a problem because I received the statements fro my credit card account but if I am to complain about not complying with my 40 day deadline who should I write too?

 

Karl

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You will find a suitable template letter here.. .. .. .....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Which you can edit to suit you circumstance.. .. .. ......

 

Good luck

 

S

 

Thank you very much, was looking around myself. Can be quite hard to find things on this site :p but regardless, it's a fantastic resource.

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Well blow me down, I just realised I can order statements using online banking. How I didn't notice this before is beyond me, since falling into the money trap a few times I have become an excellent accountant and use internet banking daily.

 

Would it be worth writing to them anyway because I have already started and they're late or should I just order them online?

 

edit: it only goes back as far as 2002 though

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I'm just tidying up my final S.A.R letter for the remaining accounts, is there anything I should add?

 

Thanks for the template :)

 

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48, Chiswell Street

London

EC1Y 4XX

 

11th January 2007

 

Dear Penny

 

Account: Axxxxxxx, Bxxxxxxx, Cxxxxxxx, Dxxxxxxxxxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 24th November 2006. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

You have failed to provide me a complete list of transactions and charges for accounts Axxxxxxx, Bxxxxxxx and Cxxxxxxx.

 

I have however received a complete list of transactions and charges for account Dxxxxxxxxxxxxxxx.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours faithfully,

 

 

 

Karl Edmunds

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I posted this morning, recorded delivery. Can't wait to get this under way properly. I'm really looking forward to the process and if I'm honest I hope they will defend and allow me to add interest so I reclaim more money.

 

greedy I know :p

 

regards

 

Karl

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Hey thanks Barty

 

Don't worry, for the time being this place will be my second home. I am just reading and re-reading and re-reading everything I can find. It's an inspiration to read some of the successful claims too.

 

Karl

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  • 4 months later...

Well, I have to confess this place wasn't my second home:o

 

I have been so lazy the past few months, there was lots going on but really I have no excuse.

 

On with the claim I say, this time I will not be distracted!

 

Ok I'm currently filling in the compound sheet with my charges (I haven't sent a request for refund yet).

 

I'm assuming I have to fill a new spreadsheet for each account?

 

Is there anything else I need to know about contractual interest, why would I only claim 8% if I can claim much more?

 

With my initial request for a refund can I include the contractual interest or will that have to wait until this goes to court?

 

What is the APR?:o is it 29.8%?

 

I am reading everything I can honest, and I apologise if my questions should be obvious from the material on this site. I'm getting there :)

 

regards

 

Karl

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Is there anything else I need to know about contractual interest, why would I only claim 8% if I can claim much more?

Put simply, becouse there is no basis in law for claiming interest at the banks contractual rate.

 

Be aware that should you claim it, its likely that it will be defended.

 

Have a read of this thread posts #82 to #88 -

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/83199-business-claim-1992-onwards-5.html#post846824

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Thanks for that Gary. Very interesting. It may be best to go for the 8% and be happy. The extra cash would be nice though :p

 

One more question if you wouldn't mind

 

When I request a refund do I send seperate letters for each account (select, graduate, platinum MC) or do I collaborate the charges in one request?

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I know, its understandably tempting to go for CI but unfortunately many have come unstuck by claiming it. There is no legal basis for it, so basically you're relying on the bank paying it before court - which is fine if they do, but Lloyds have started to defend them lately and in the current climate its not worth the risk. Best to stick with what your entitled to IMO.

When I request a refund do I send seperate letters for each account (select, graduate, platinum MC) or do I collaborate the charges in one request?

By all means collaberate them all in your prelim and LBA letters, but file a seperate claim for each. In fact, the 2 current accounts should be ok on a single claim form, but certainly keep the CC one seperate - its got a completely different set of Terms & Conditions.

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hey there, I'm a little stuck once again:oops:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

I am using the advanced credit card spreadsheet and I'm confused on the interest columns.

 

I am entering the interest only for the month in which I was charged.

 

Is the statement balance clolumn before or after credits to the account because my statements just show a final balance

 

For example

 

16th Sep 2002

 

transactions

.

.

16th sep - late charges £18

16th sep - protection plan £3.08

16th sep - interest £.15

--------------------------------------

 

Do I put the statement balance as less than what my monthly payment was so for example I paid £50 that month. I put the balance as balance-50,a nd amount paid as 50.

 

Hope that makes sense

 

Karl

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rereading that makes no sense even to me, I'm sorry. I'll try to clarify it a bit more.

 

The columns and an example monthly statement from 2004 is below.

 

Statement date : 17th May 2004

Balance from previous statement : £3757.55

Credits : £70.10

New transactions & charges £168.22

New balance : £3855.67

 

The new balance considers the late charges, the interest and my payment of £70.01. So how do I fill in the following columns.

 

Interest Charges - Statement Balance - Amount Paid - Remaining Balance
--------------------------------------------------------------------------------
    51.99         don't know             70.10        auto calculated

 

Is the remaining balance supposed to show my ending balance for that month which is £3855.67?

 

Neither of those values for statement balance return the correct new balance on my statement, so should it be entered as £3785.57 which is my new balance minus my £70.10 credit.

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Bump #23

 

I am just preparing my preliminary letter ready to be printed when I have clarified my spreadsheet data.

 

I just need to make sure that I have this right. I'm claiming for three accounts. Select, Graduate, Platinum MC.

 

Do I send one preliminary letter or two (select & graduate, credit card)?

 

If sending two letters, do they go to the same address and same recipient?

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