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Hello All! Chris Vs Lloyds & Egg


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Good Afternoon all!

 

Just wanted to make myself known and say hi to everyone here at the Consumer Action Group.

 

Im 25 and finished a four year degree 2 years ago......At the beginning of my degree i signed up for a Lloyds TSB student account and later converted it to a Graduate account. ( And i thought these student accounts were there to help students.....i dont see charging them between £90-£180 a month in charges as helpful! :mad:).......so im looking to take action on this.

 

I want to do this mainly because i feel that Lloyds are partly to blame for me getting into so much debt at uni and being in debt now....i feel like im going to be forever paying it off!!:confused: Lloyds created a knock on effect each month and created an escalation in my debt problems, each month they would charge me between 90 and 180 pounds!!...which was a huge amount of money for me at university!!. ...This would then knock on to the next month and the next and the next gradually getting worse....as my monthly income was just helping me get by...let alone pay the ridiculous charges......I reckon once i recieve my statements they will owe me around £3000! :eek:

 

Im sure this has happened to alot of people and im glad they are not getting away with this anymore!!

 

I have one question for you all now.......

 

I have sent off the first letter to lloyds......2 weeks later recieved letter saying 'Sorry about your complaint we will deal with this in 8 weeks blah blah' The 40 day DPA is nearly up.......were at 36 days.....is this commom for them to leave it till the last minute? And if it reaches day 41 what action should i then take?

 

Many Thanks and look forward to progressing through this with you all

 

Chris

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Good Afternoon all!

 

Just wanted to make myself known and say hi to everyone here at the Consumer Action Group.

 

Im 25 and finished a four year degree 2 years ago......At the beginning of my degree i signed up for a Lloyds TSB student account and later converted it to a Graduate account. ( And i thought these student accounts were there to help students.....i dont see charging them between £90-£180 a month in charges as helpful! :mad:).......so im looking to take action on this.

 

I want to do this mainly because i feel that Lloyds are partly to blame for me getting into so much debt at uni and being in debt now....i feel like im going to be forever paying it off!!:confused: Lloyds created a knock on effect each month and created an escalation in my debt problems, each month they would charge me between 90 and 180 pounds!!...which was a huge amount of money for me at university!!. ...This would then knock on to the next month and the next and the next gradually getting worse....as my monthly income was just helping me get by...let alone pay the ridiculous charges......I reckon once i recieve my statements they will owe me around £3000! :eek:

 

Im sure this has happened to alot of people and im glad they are not getting away with this anymore!!

 

I have one question for you all now.......

 

I have sent off the first letter to lloyds......2 weeks later recieved letter saying 'Sorry about your complaint we will deal with this in 8 weeks blah blah' The 40 day DPA is nearly up.......were at 36 days.....is this commom for them to leave it till the last minute? And if it reaches day 41 what action should i then take?

 

Many Thanks and look forward to progressing through this with you all

 

Chris

 

Hi and welcome, you need to contact them and inform them that they have xx days left to comply inform them that you will report them to the ICO this should speed them up. Have a look at this thread.

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

 

Also please start threads for your claims in your respective bank forums post your progress/questions there.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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