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Fighting with the smelly bank


philion
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OK, I went into Lloyds today and spoke to "Linda" asking for "a backlist of my bank statements",

she said "how many days back?"

i said "since 2000 15 may"

she then looked at me as if i shat on the desk infront of her :o , she then said "you get five statements to an envelope, a year would be a sack load, can you imagine 6 years worth!?":mad:

 

anyway blah blah blah, i kept my cool :cool: and was polite but firm :oops: . She emailed her "head office" requesting for help on the situation, because she said noone has ever asked for so many statements in one go. She took my mobile number and said she would call me when she gets an update. I said "Thank you Linda" and left.

 

Am I approaching this totally wrong or is it so far so good? :confused:

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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Well I know they have 40 days to get their act together to give me the statements before I can do anything else. I'm not quite sure what happens if it hits after 40 days though.

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632

 

ive read that. im not aware of any other faq section :oops:

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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thanks, shall we rename the title "Dummies guide" :)

 

cheers, i'll get looking

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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Ok sent DPA off yesterday with a £10 cheque on recorded delivery. hahahah i cant wait for this MUHAHAHAHA

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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  • 2 weeks later...

Um, ok I sent my recorded DPA letter to the address Bank Fodder had as a sticky message.

 

Penny Berryman etc...

 

I went onto the royal mail site to see how my post has got on, and it hasn't reached the bank. I posted it on the 19th May :-|. Then I did a search on the post code with google.

 

EC1Y 4X

 

That post code doesnt exist? I need a little help here please :|

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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The correct postcode is EC1Y 4XX.

 

However that shouldn't have stopped your letter getting there. It may have just got delayed.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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gah, ok cool, i wont send another letter yet. I'll give it one more week.

 

Thanks for the info

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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right, cool got my statements and im owed £2419.50. £81.56 in overdraft interest. Total of £2501.06

 

Send my premliminary letter off tomorrow. :razz:

 

BUT

 

hhmm, ok im a tad confused with interest. In the premliminary template it says : -

 

What I require

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

 

But why is everyone saying you dont enter the interest in until the court claim bit? Or are they refering to the 8% interest bit?

 

god this forum makes me feel thick!

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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Hi phillion

 

I think you request your basic charges first, You need to send a letter requesting your charegs only. i deleted that part of the letter which said plus.

 

Then when they refuse give them a LBA and then you add the interest.

 

by not adding the interest before the LBA you have shown goodwill and given teh bank a way out by not having to pay more money and do whats best for them.

Also it may give you a better chance of a quicker settlement.

 

Once they refuse your request then send the LBA.

When you send the LBA sting them for the OD interest as well

 

Ive added a borrowing interest of 8% on mine just to be cheeky.:D

well i figure they charged me often enough and that was while they where holding my money.

 

Hope this helps, i am still a little new to this sure someone will kick me if im wrong, ( no steel toe caps please.)

BL

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Nah this is a preliminary letter, i got it from here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=671

 

I just dont understand why the interest is mentioned in this template, especially when people are saying to enter interest after the LBA. :|

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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Nah this is a preliminary letter, i got it from here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=671

 

I just dont understand why the interest is mentioned in this template, especially when people are saying to enter interest after the LBA. :|

 

The interest you claim with your preliminary letter is any overdraft interest you have been charged as a direct result of charges on your account.

 

In addition to this, if you take your bank to court you are entitled to claim 8% APR interest on the total claim amount.

 

Hope that clarifies things.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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THATS WHAT I WANTED TO HEAR!!! amazing thank you, i have done it right then. started to get abit worried.

 

Thanks Barracad :cool::cool::cool:

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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  • 2 weeks later...

Ok as normal with everyone else, I have received a letter from Lloyds saying they arent going to refund the charges and pushed me towards their leaflet "How to voice your concerns".

 

Yea whatever Lloyds, I'll wait until the 16th, and send them a LBA.

 

In the meantime the cheeky sods have charged me 90 quid for overdraft charges. Is there a way of mentioning the extra 90 in my LBA or would I have to send a Preliminary again with a new amount due back to me?

 

Cheers to everyone who has helped me so far, I will not forget to donate when I get MY money back.

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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Send the LBA and adjust the figure Include in your letter "adjusted to reflect recent charges applied to my account", or something along those lines.

 

As you have had a response to your prelim letter, (an unsatisfactory one), you can send the LBA straight away.

 

Good luck,

Vamp.:)

[

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Thank you!!! :) :) :)

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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LBA

 

"I am enclosing a copy of the schedule of the charges which I am claiming."

 

Is this the clever excel sheet Vampiress did with the 8%?

 

:-?Come on Vampiress help us simple village folk out.....again

:???:

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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Yes, a schedule of charges would just be a printout of the relevant spreadsheet. However, you cannot include 8% interest at this stage, so only print out the relvant part.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Cheers Barracad saved me again!!! :D

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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can I claim back a UNPAID S/O

 

I guess its a standing order?

 

Its a £35 Charge

Lloyds TSB - Data Protection Act sent 19/05/06, received 1/06/06

Pre sent 02/06/06 asking for £2501.06, received 13/06/06 Blah Blah Blah

LBA sent 20/06/06, received BLahblhALBhl

.....

Sent off AQ to the courts.....just waiting now

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