hello

[duckie]

hello all,

just a quick note to say hi, Ltsb have a week left to send out my bank statements, have read through a few threads and faq's to find what to do if they dont and am prepared to send next letter if they dont comply.

Great site btw:)

[ladybird17]

keep us posted duckie!

[duckie]

Hello again, still not heard anything from lloyds, tomorrow is their deadline and they havent cashed the £10 cheque yet, not really sure what to do now as they havent cashed the cheque do you think I should still send letter, but as i didnt send by recorded, did they get it?? or is this just a stall factor?? any advice greatly appreciated

Thanks

[oyster11]

They probably won't cash the £10. they are obliged to send you the statements without charging you, I would say you will get a letter soon with the Original cheque. with a Copy of your statements as requested will be posted to you in the next few weeks.

 

Just keep looking at the posting they will give you a feel for timescales etc just look at the dates of the individual threads.

 

If you do it step by step using the Guides then you do just fine..

 

Oyster

[wildheart83]

they didn't cash my cheque either, after 47 days i rang the bank and stopped the cheque

[ladybird17]

Oyster11- I'm a bit confused by your post about their obligation to send statements!

 

As I have always understood it - and the SAR template letter on here is clear on this as well - they are NOT obligated to send you statements - they are however obligated to send you details of your transactions and charges - but this can be in the form of a list/schedule etc.

Some banks do of course send satements, but this is their choice, not their obligation.

 

Please correct me if I'm wrong, as this would make a difference to many, many people.

Thanks!

[duckie]

Thank you, but can i ask wildheart did you get your statements when you cancelled the cheque??

Guess I should send the next letter then demanding some sort of list/ statement???

[ladybird17]

Did you originally send them a SAR from this site, duckie?

[skbuncks]

Oyster11- I'm a bit confused by your post about their obligation to send statements!

 

As I have always understood it - and the SAR template letter on here is clear on this as well - they are NOT obligated to send you statements - they are however obligated to send you details of your transactions and charges - but this can be in the form of a list/schedule etc.

Some banks do of course send satements, but this is their choice, not their obligation.

 

Please correct me if I'm wrong, as this would make a difference to many, many people.

Thanks!

Thats right they dont have to send statements just details of ttransactions and charges

 

skb

[duckie]

yes thats right ladybird17, that was around the 10th march, although didnt send by recorded delivery!

[ladybird17]

that's always tricky - a lesson learnt for next time!!

 

And they still definitely NOTcashed cheque?

 

I hate suggesting this as I am totally against phone calls with banks - but in this instance, it may be worth a call to them - don't ask if they've received it, (because they'll say they haven't) but just say the 40 days is over are you likely to get the details in the next few days.

 

If you believe they REALLY haven't got it, then I'm afraid you'll have to start again, but use RECORDED DELIVERY!!

 

If you do call them, post again and tell us what happened.

[duckie]

Thanks ladybird, yeah debated phoning them but thought could get into pickle if they say havent recieved etc.... also its my hubbys account and he dont finish work till after 5 not sure they are open after 5! probably wont speak to me as i wasnt account holder. And no they havent cashed the cheque will check again though, thanks again

[duckie]

actually after reading a few threads i think i might e-mail them, does anyone advise against this??

[ladybird17]

no - that could work - or thay may just ignore you!!

[duckie]

i know, however, its too long a story to explain on here but briefly, have already been in contact with Lloyds about bank charges and also they had their solicitors "almost" take action, basically they wanted me to pay 139 quid for bank charges(we dont even use that account any more) so wrote them a nice letter kindly pointing out that these charges were unlawful blah blah and saying i would persue them for 6 years worth if they didnt write these off, anyway they declined and i had to end up paying it to get the solicitors off my back.... recvieved letter back from csrc in andover hampshire and he said (Chris Kennelly) if i send £10 he would send statements 3 weeks after the cheque had been cashed, and they could not remove the default notice in respect of this so this is briefly why im persuing them and also to get default removed this is down to bank charges only, this is the reason im having doubts about who and where ive sent it, also i have a new name for the customer service recovery centre in hampshire if a mod wants to add this to the contact page.

not sure if that made sense but hope you get the jist

thanks in advance

[duckie]

just an update, didnt realise it had been so long:o recieved copies of charges not as much as i thought but still 400 n odd quid, better in my pocket about to send lba now but i have had other accounts with ltsb so am gonna send sar requesting those too, ill keep you posted