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Melrose vs Lloyds TSB (Interesting response to SAR)


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Sent my SAR request on 29 January 2007. Was taken ill the first week of March and had to go into hospital. Came out of hospital last week having completely forgot about the request until I received a brown envelope this morning with a letter from Lloyds TSB.

 

It was a photocopied letter with the date, my name, my sort code and account handwritten in, saying:

 

Dear Melrose

 

I refer to your recent request for copies of statements on your account to enable you to reconcile your bank charges. Please find enclosed details of charges going back to the date you opened your account, or 1 September 2001, whichever date is most recent. If there are no charges for a certain period than charging details will not be included.

 

You may now wish to proceed with your claim for reimbursement if charges but, if you do feel you need for further statements, this will take longer to access our archived data. Please let me know by returning this letter in the attached pre-paid envelope and I will order them for you.

 

Under the terms of the Data Protection Act, we are allowed up to 40 days to fulfil your request.

 

The fee of £10 for this service has been taken accordingly.

 

Signed

 

Copy Statement Unit.

 

 

All that's been included is 8 pages of just the charges going back to 2002. They include a few overdraft charges, a couple of unpaid S/O and the account charge/fee for the account (which I believe I cant claim back)

 

It wont be alot to claim back but I'm quite stunned by the letter and how it has been sent and written. Has anyone received a letter like this?!

 

I guess they received so many now they know what's coming.

 

Will send off my prelim and keep people informed.

01/11/06 Sent S.A.R

02/11/06 Royalmail.com tells me letter is delivered (40 days and counting)

07/11/06 Electronic proof of delivery shows letter signed for

08/11/06 Cheque for 10 english pounds taken from my account

25/11/06 Received letter saying statements are on the way

01/12/06 Received statements

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Just worked out the charges and shall be claiming for £130, not a vast amount but every little helps I guess. Have printed off letter and charges and will be posting tomorrow.

 

Hopefully this will be done fairly quickly....

01/11/06 Sent S.A.R

02/11/06 Royalmail.com tells me letter is delivered (40 days and counting)

07/11/06 Electronic proof of delivery shows letter signed for

08/11/06 Cheque for 10 english pounds taken from my account

25/11/06 Received letter saying statements are on the way

01/12/06 Received statements

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Letter posted this morning, so am now waiting for their response.

01/11/06 Sent S.A.R

02/11/06 Royalmail.com tells me letter is delivered (40 days and counting)

07/11/06 Electronic proof of delivery shows letter signed for

08/11/06 Cheque for 10 english pounds taken from my account

25/11/06 Received letter saying statements are on the way

01/12/06 Received statements

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  • 4 weeks later...

Received a letter from Kerry Parfitt from Customer Services Recovery in Andover today apologising for the hassle, saying if I don't get in contact with any more information in the next couple of days they'll carry on with their investigation which will take upto 4 weeks.

 

Next letter on it's way.

01/11/06 Sent S.A.R

02/11/06 Royalmail.com tells me letter is delivered (40 days and counting)

07/11/06 Electronic proof of delivery shows letter signed for

08/11/06 Cheque for 10 english pounds taken from my account

25/11/06 Received letter saying statements are on the way

01/12/06 Received statements

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Melrose, Just to let you know, I got exactly the same letter with my statements (which showed only the fees and charges) I agree with you that they are probably just becoming slick with the process. My prelim was sent on the 13th (received on the 19th- royal mail pace!!) still waiting for a response...

The story so far...

28-2-07 Copy statements requested

10-3-07 (Partial) Copy statements arrived

13-3-07 Prelim request for refund posted (recorded delivery)

19-3-07 Royal mail finally get round to deliving Prelim letter :mad::???:

01-05-07 First 'sod off' letter received from Lloyds

4-05-07 LBA sent out

Nasty Lloyds couldn't bother to respond so....

25-5-07 MCOL submitted

30-5-07 Claim issued

27-6-07 Defence filed

09-07-07 Lloyds Solicitors offer to settle (albeit with incorrect interest figure)

16-7-07 Letter to Lloyds sols refusing incorrect figure but agreeing to settle with correct figure

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Melrose have you reported them yet to the Information Commissioner for non compliance? If not please do.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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