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ChrisExtreme101 Vs LLoyds - Hi all!


Chrisextreme101
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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! :evil:).......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! :shock:

 

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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Hi & Welcome Chris!:)

I would try ringing them first on 0117 943 3133, see if they can help, then have a look at:

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

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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Hi Barty, thanks mate! :D

 

Nice to know there are people to help with this quite daunting, especially still being in debt, worry if things go wrong!.....Iv got a parachute account though.....just i still have an overdraft with Lloyds im paying off, that was the worry.

 

Ill keep everyone posted :)

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Thanks for that telephone number.....It wasnt actually the number which takes you through to the team who with the DPA request letters it was the compliance team......which re-reading the post above i think that was actually the number you were giving me lol :)....anyway... i told them they have 4 days to get me something in the post. The guy said that he would contact someone in the relivant team and call me back, I got some garble about them having hundreds of thousands of these to print so i just said well its a 40 day DPA, not a 60...or 80 so he went away on the phone again. I wasnt expecting a call.....at least for days.....he rang back 2 minutes later and said iv put it through as an urgent request they will be with you in the next few days! lol :)

 

.....So it done the trick!! lol Thanks mate

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Really??......Is this common?......Im guessing so.......

 

Was funny i made this call at work today and they said what i put above in email....and when i got home i had this letter waiting on the door mat.....

 

 

'i am writing to update you on where we are with your complaint.

 

As you know it ia now four weeks since you told us about your concerns and ordinarilly we would have hoped to resolve this by now. I am sorry to say that despite our best efforts (my arse), we have not been able to do so yet.

 

We will write to you again within the next four weeks, either with our response to your complaint or with an estimate of when you can expect it.

 

Thanks for your continuing patienence.'

 

Now few things here. Firstly i didnt complain....i asked for a print out of my last 6 years statements detailing charges.....are they just assuming im gonna complain?!

 

Secondly, do they not care about the 40 days they have? ...cos last time i checked 8 weeks is longer than 40 days...

 

And thirdly, Is this a standard time wasting fob-off letter that everyone gets??

 

Many thanks again people :D..........i can see this isnt gonna be easy!!!:(

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This is a standard template response- if i was you id get your statements on line however they only go back until 2002( and can be used when submitting court bundle ). alternatively people have been getting statements direct from their bank , over the counter.:)

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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Yeah getting them over the counter sounds like a good idea....i may have more luck.....but wont they charge again?.......And wont they grumble saying you can view them online.....think ill have to set up internet banking......not done that yet!

 

Fingers crossed ill have them by Monday and they wernt fobbing me off.......Lloyds seem far worse than other banks at giving charges back! Just my luck i picked them! :(

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Morning all!

 

Well yesterday i had a turn-up for the books!!.........After my call to the compliance team on the 29th, Llloyds actually kept their word!! Good job i did hold my breath because on returning home from work yesterday i had a hand written envelope containing not my statements as requested......Just a print out list of every charge to date......which totalled a whooping £3246!!

 

So.....on to the next stage.........Wish me luck!!! :D

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Update: Still no reply. They have 6 days left to reply.....Would be nice to think they will just pay up but i know im in dream-world there! lol :D......Has this actually happened to anyone though, does anyone know?

 

Guess ill have my LBA at the ready in response to another standard letter they'l send out lol

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Update: Still no reply. They have 6 days left to reply.....Would be nice to think they will just pay up but i know im in dream-world there! lol :D......Has this actually happened to anyone though, does anyone know?

 

Guess ill have my LBA at the ready in response to another standard letter they'l send out lol

 

Happens all the time (the waiting that is!) Yes, have your LBA ready to wing its way after your 14 days are up:D

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Does anyone know if lloyds have ever paid up before taking it the full distance in issuing court proceedings......ie after the prelim letter or LBA letter? Just curious thats all.

 

Still nothing from them.

 

And just realised the claim iv issued is from 2002...as thats all the statements they have sent......after this claim can i then claim for 2001-2002 seperately? As lloyds said it would take another 40 DPA to get me these statements and i didnt want to ait around that long on this claim.

 

thanks :D

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