**WON**yes,yes,yes,yes,ye s,yes.

[jveasey147]

well here i go sending my data protection request today i hope its a quick one dont fancy a big battle but if they want one i will be ready

[bearo]

sorry to tell you but lloyds are on top of a bad bunch of banks!! they are stubborn when it comes to reclaiming! - you will find this is most likely a long drawn out process, sit back, its a long ride!!!

[jveasey147]

i had a tsb credit card upto about 3years ago when i closed it but cant find any acct numbers etc is there a way to find this out or is there a way without the acct number

[dollies01]

Hiya

I had the same problem with Abbey, I had no information on my account number either, I simply sent them my SAR without it.

They will still have you on record and can get your account number from your name and address, I included my date of birth too.

[jveasey147]

thanx dollie i will try that fingers crossed

[natsmanc]

Hi

 

If you ring the 0845 300000 number they will transfer you to card services who can deal with your request. They will just ask you some security questions to confirm who you are. Tell them you want your last 6 years of statements and are willing to pay your 10.00 S.A.R - (Subject Access Request) fee over the phone with a debit/credit card.

They are a bit useless with cheques, they seem to lose them and when they do finally find them it takes them ages to cash it.

 

Good luck with your claim

 

Nat:wink:

[jveasey147]

thanks i will try that

[jveasey147]

got my letter but no statements but they are ready at my branch to be picked up delay tactics allready ?

[jveasey147]

hi i have received my statemants this morning am i supposed to include all fees even normal £5 fees or just the overdraft fees

[GaryH]

Hi, welcome to the Lloyds forum!

 

The charges that are reclaimable are the punitive ones, ie, those imposed for a breach of the terms of your account contract. These include unpaid DD/SO, overdraft excess, overdraft usage.

 

The £5 monthly account fee is a legitimate service charge, so no, they are not reclaimable. Nor is the overdraft interest.

[jveasey147]

ta just checking before i send the next step

[jveasey147]

where do i send my prelim letter do i send it to swallow street in birm or my local branch

[jveasey147]

dont worry have read a few more threads i will send to my local branch registered post today so fourteen days to go. Does that start today? Or do i give the usuall two days post allowance?

[GaryH]

If your going to post it, I would suggest posting it direct to the department that deals with charges complaints. It'll only get sent on to their anyway. The address is;

 

Martin Orton

Manager

Customer Service Recovery Centre

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

If you've already sent it to your branch though don't worry, thats fine too.

 

Yes, you can give them a 2 days for postage if you like - shows your being 'reasonable'

[jveasey147]

thanx gary it had gone so here we go cant wait for my next letter

[jveasey147]

hi im not getting on with the spread sheets my charges total £2078.50 how do i work out the 8% and daily rate sorry to be a pain

[ukaviator]

The daily rate is the amount of charges X 0.00022

So in your case its £2078.50 x 0.00022 = £0.45727 Round up to 46p a day

 

Is this the 8% for MCOL?.. and is this for bank charges or credit cards?

 

Uk..

[jveasey147]

yes for bank charges on mcol

[ukaviator]

Hi Jveasey147

 

If the spreadsheet is a problem you can use the online calculator on this site, which will give you days passed as well. You can the just make up the boxes to fill in on Excell. What are the problems with the spreadsheets?

 

Uk. .

[jveasey147]

just dont understand them never used them before i may be looking at wrong one

[jveasey147]

right sorted thanx for your help now i understand that i need to send my schedule somewhere after i have completed mcol anyone?

[BARTY]

Hi

If you do the following:

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

Dear Sir/Madam

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

 

 

Then when they acknowledge, send the same to the Solicitors.

 

Good luck!

Barty:)

[jveasey147]

thanx barty here we go

[jveasey147]

ok i have just filed my mcol claim job done, then i get a letter stating the usuall dribble but adding that as a good will gesture they will offer about a quater of my claim and that the check is in the post. now i know they are trying it on but what do i do with the cheque keep it or send it back

[gizmo111]

If you receive it send them a letter accepting it as partial payment and reduce your claim amount