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    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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b8byd v Lloyds TSB


b8byd
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We sent the standard letter requesting details of our charges to Penny Berryman at the Chiswell St address at the beginning of Feb. I just called her direct line to see what was happening, and the poor lady almost had a panic attack! She has asked if I can PLEASE remove her direct line from this website because she is not the person dealing with requests for copy statements. She did however say all mail would be forwarded to the correct address. But i've checked with Royal Mail and my recorded delivery letter (and one on behalf of my partner sent on the same day) were not signed for, and the letters, each containing a 10GBP postal order, are on their way back to me!

 

Does anyone have a FAX number for the correct department, so that I can fax a copy of our original letters saying that we've been waiting more than 40 days?

 

Also, does anyone know if statements for a personal loan and a credit card would be dealt with by the same department?

 

Much appreciated!

b8byd

b8byd :D

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Hi there!Have recently just got my statements from Lloyds.If it helps I sent letter to :

 

Lloyds TSB Bank Plc

Copy Statement Unit

Swallow House

PO BOX 139

10, Swallow Street

Birmingham

BX1 1LT

 

Sent recorded delivery and got my statements within 10 days!!

Good Luck:)

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I phoned Penny Berryman on her direct number today and she was most polite but did say that it was not her or the data protection dept that dealt with any of this, all mail gets redirected to the copy statement unit in Birmingham. I must say I feel a little sorry for the poor old girl as I can imagine how many calls she has had recently.

 

pip pip.......

 

dan............

Preliminary request sent to lloyds 7.3.07

LBA sent to lloyds 21.3.07

N1 form filed at the court 4.4.07

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OK will send by recorded delivery again to the Swallow address - thanks Emsie - but this is starting to cost a bloomin fortune! At least i'll get my original postal orders back when the letters eventually come back to me (which Royal Mail reckon can take a month).

 

Btw, has anyone else has problems with recorded delivery letters lately as i'm starting to think there's something wrong with my local post office. Of 14 letters i've sent in the last couple of months, 7 of them have not been signed for, and are on their way back to me!!!

 

If anyone has a fax number, that would still be much appreciated too. I really love the way you feed your letter thru the machine, and almost instantly you get a confirmation of receipt. No nonsense - they can't refuse to sign for it and send it away!

 

And can I request statements for bank account, cc and personal loan in one letter (with just one 10GBP)?

 

Thanks muchly

b8byd

b8byd :D

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out of the two letters sent recorded delivery i have signiture proof of only one but royal mail say that both have been signed for but they can only provide proof for 1....

Preliminary request sent to lloyds 7.3.07

LBA sent to lloyds 21.3.07

N1 form filed at the court 4.4.07

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hi mods, as discussed it is not worth having the data protection departments address and Penny Berrymans direct number as this department has nothing to do with our DPA requests, they get forwarded to copy statements unit in Birmingham. Pennys department has nothing to do with customers and it would be a nice gesture to remove her and her departments details from the site. As I have said above a couple of us have spoken direct to Penny and though very helpfull and I think even sympathetic to our cause she must be a bit frustrated with all the misplaced calls which are also a waste of time for the caller.

 

choo...choo....

 

dan..

Preliminary request sent to lloyds 7.3.07

LBA sent to lloyds 21.3.07

N1 form filed at the court 4.4.07

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Hello all

 

I'm about to start my bank charges claim against Lloyds, but would somebody help me out with something?

 

1. In my list of charges there are regular 'Account Charges' of £5 at the start of every month. Now I know this particular bank do have special accounts where you pay for certain services, e.g. my other half had a gold account with them and had to pay £8 per month for the pleasure. However, I never agreed to any such account and as far as I knew I only had a normal account (with a normal blue/green coloured card). It wouldn't surprise me if they were charging me this without my permission after watching Whistleblower on Weds! However my question is this: if those are normal account charges, can I claim them back at the same time as the other unlawful charges? [sorry this question is so long-winded!]

 

2. Also i'm going to claim contractual interest at 29.8% APR (their unauthorised overdraft rate). Should I claim this right from the off in my preliminary letter, or wait til the LBA?

 

Thanks muchly for any help,

b8byd

b8byd :D

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Hi

You can't claim these account charges. But if you are adamant that you never signed up for them I would go and see someone in your branch, you should get a refund I would think.

With CI you have to put it in your prelim letter and LBA letter.

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Thanks Barty :)

 

Will defo keep this thread updated and let you know how I get on.

 

As for the 'Account Charges' - yes I am sure I didn't ask for this type of account, so i'll speak to them about that separately. I vaguely remember complaining about this before though (this account is old and has been closed for a few years), but I obviously wasn't successful as the charges are still there!

 

Thanks again

b8byd

b8byd :D

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  • 1 month later...

Hi guys - I sent my prelim on 22 March 2007 and I have since received 3 letters from them, with the final one saying that they can't agree to refund the charges (its been so long because I haven't had time to deal with this until now).

 

The last paragraph of my first letter said: "If you do not respond positively, I will have no option but to take this matter to the small claims court".

 

Is it worth sending them a letter before action, or should I just go ahead and make a moneyclaim?

 

Thanks for your help.

Della

b8byd :D

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You really should send LBA. This shows the court that you have acted fairly and reasonably.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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  • 5 weeks later...

Hi guys

 

I'm at the stage where I should now submit a claim form, which I prepared last week ready for payday at the end of the month. However, i've been reading through some of the Lloyds threads and am now a bit concerned. My court fee will be £120 so I don't want to go ahead if its likely i'll lose. I don't have any terms and conditions.

 

Also is it true that a precedent was set that we can't claim compound/contractual interest? Right back since the preliminary stage I have claimed interest at 29.8% on the basis of mutuality and reciprocity (sp?). Does this mean I would need to start again from the beginning, or just give the Judge an alternative in my claim form?

 

Thanks so much for any help, and I apologise if i'm repeating questions that others have asked.

 

b8byd

b8byd :D

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  • 2 weeks later...

Afternoon all. I have received a letter today offering me 750.00 in full and final settlement. The amount of my charges is 965.00 but I also claimed contractual interest right from the start, so the total at today's date including interest (of 29.8%) is 2,798.87.

 

I read somewhere that a claim was lost on contractual interest. Is that correct? If so, how do I go about claiming 8% interest instead, or do I just have to accept that I may have to forego a claim for interest now and push them to pay back 100% of my charges with no interest?

 

Thanks for any help offered.

 

b8byd

b8byd :D

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Hi there - my plan of action is to write to Lloyds one last time before submitting my court claim, saying that in an attempt to reach an amicable settlement I would be prepared to accept a total refund of the charges with 8% interest. Do you think this is ok, seeing as I have been claiming contractual interest since the preliminary stage?

 

If that doesn't work I won't hesitate to submit the court claim, but at the moment I can't really afford the court fees so I guess it is worth one last stab with them?

b8byd :D

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  • 2 weeks later...
  • 7 months later...

Hello All

 

I just had a quick query which I was hoping somebody would be able to answer....

 

I have an ongoing bank charges claim with LTSB, but I haven't yet submitted my claim form as i'm awaiting the outcome of the test case. I still have an outstanding balance on this account, but it is less than the value of my claim! So when they wrote to me recently saying that my repayment 'special arrangement' had come to an end, and demanding full payment of the outstanding balance, I wrote to them and said that I wasn't going to make any more payments until my bank charges claim was resolved.

 

They have completely ignored my letter and since then I have been getting several calls to my home and mobile every day - even on Sundays! I have just spoken to someone in collections and pointed out my letter, but he said they have every right to keep contacting me in this way when I owe them money. I asked to be put through to somebody with more seniority, but he just put me on hold for 15 mins until I hung up.

 

Any ideas what I can do. Its the calls that are annoying as they come quite late at night too. Do I have to just put up with them until this is all resolved? Should I just start paying them a minimal amount until the OFT case is finished and my claim is resolved?

 

Any advice would be appreciated.

 

Thank you!

b8byd :D

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  • 2 weeks later...
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