Create credit card by Lloyds TSB - Claim??

[jonathan97uk]

Hi All,

 

Just a question. A few years back as an ignorant & immature student, I got issued a Create card by Lloyds TSB. That card has now been discontinued and replaced by the Platinum but I was wondering whether I can claim some of the charges back as it was operated by my existining cc issuer & account operator. (does it get better than that???)

 

Also, can I request from Lloyds copies of my statements as I used to receive online statements at the time? (told you I was ignorant )

 

thank you.

[RedDeath]

Hi Jonathan and welcome to the forum.

 

First of all you should be able to claim your charges back from the card, well, depending on how many years ago that was. Up to 6 if you are living in England, 5 for Scotland.

 

You can ask for a copy of statements, it costs £10 and you need to fill out a SAR letter.

 

Go here for it...

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

Now this usually takes around 40 days, so my advice to you is read up as much as you can about claiming the charges. If you follow all the steps and read up properly it is an easy process, the problems start when you are unprepared. So...read as much as you can and any questions just post.

 

Good luck again

[jonathan97uk]

Thanks Red,

 

I have done my homework so far and it's been no more than 4 yrs since I got the card, just wasn't sure because the it's been discontinued... I will go for it (it's a matter of principle... but whatever I get out of it won't hurt either).

 

cheers

 

PS. The forum rocks, good to be here

[RedDeath]

Jonathan,

Good to see that you are determined. However one thing that struck me is that you were unsure about getting copies of statements. In my opinion getting the copies of the statements is the easiest part of the job, there is plenty more work to do.

 

Did you know you can claim 8% interest or maybe even contractual interest? I'm just throwing questions at you, hoping that you have them covered.

 

Its a long and easy road ahead, if you do your homework. Don't be too complacent yet, just good advice for you.

 

It will take LTSB about 40 days to send you the statements so take the time and carry on reading as much as you can. An hour a night or something like that and you will walk this one!

 

The forum rocks, and there are loads of good people out there to help you.

[jonathan97uk]

Hi Red,

 

I am a Lloyds TSB customer and I keep my cur. account & cc there. However while they offer an easu to search statement facility for the above, that doesn't apply to services & products that have been discontinued. I did contact customer services a few weeks ago asking information about past statements for the create card but they were less than informed on what to do in this case. I have spent quite a bit of time on the phone and over at my branch and hence my need to ask.

 

apologies for sounding too full of myself ( i try to be very down to earth) but I have been doing my homework since October last year and early this year I went ahead with Lloyds TSB (cur. acc claim), & Barclaycard. got them back in full. I won't be claiming interest as the amounts are prety small (all in all 200 from september last year when i was away for almost 2 months & I want to show a bit of good faith - that is unless they manage to upset me). I just want to wrap up the create card before moving to my last cc (AMEX for 60).

 

Thank you though for your feedback & looking after our interests.

I will keep you all updated.

 

Jonathan

[RedDeath]

Its good to know you have done your homework. Just looking out for you and wanting this to go as smoothly as possible.

 

Even if the product has been discontinued they need to hold on to the statements for a minimum of 6 yeras i think, so even though they are fobbing you off the data does exists. You may have to fight for it but hey, it's worth it in the end.

 

I have the address for their DSAR department at home, the people that deal with statements so I'll post that for you. I think they might be the best people to write to, though you will have to chase this up with phonecalls cause LTSB really do delay as much as possible. Send the letter registered delivery as well.

 

The DSAR address may be in this forum somewhere, but pushed for time. I'll post it for you when i get home.

 

You seem knowledgeable, even if it is only £300 might as well add on some interest, bit extra cash.