lloyds reply to dpa sar letter

[owethebank]

hi all,

 

ive received my dpa sar letter from lloyds, with statement of charges, (total charges, just shy of 4grand, without interest)

 

the letter reads,

 

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 1/9/01 whichever date is most recent. if there are no charges for a certain period then charging details will not be included.

 

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

 

copy statement unit.

 

ok what now? is this the standard letter returned? do i send letter no2 (par) to my branch or a dept.

 

thanks in advance

[nicsussex]

Yes it is perfectly standard - as a matter of interest what dates did the information they gave you cover?

[aqua2]

Yep, thats the standard letter with your list of charges attached.

 

They know why you want it.

 

 

Just need to complete the spreadsheet and send it with the prelim letter, I sent mine to...

 

Customer Service Recovery Centre

3rd Floor

125 Colmore Row

Birmingham

B3 3SF

 

Send it recorded, so you can check delivery.

 

Have fun...

[owethebank]

Yes it is perfectly standard - as a matter of interest what dates did the information they gave you cover?

 

hi dates are 1/10/2001 to 3/1/06

 

we changed bank accounts end of 2005

[owethebank]

 

Send it recorded, so you can check delivery.

 

Have fun...

 

yep, sent the first letter recorded delivery. took them 47 days to get the statements here

 

have fun? dont like the sound of that!

[nicsussex]

hi dates are 1/10/2001 to 3/1/06

 

and when was the account opened?

[owethebank]

and when was the account opened?

 

the account was opened around 1994, it was around 03/04 that most of the charges were incurred when we hit a bad patch, 3/4 hundred pounds a time.

[nicsussex]

Ok thanks for the info - good luck with your claim - keep us posted

[owethebank]

hi again, right ive written the preliminary request for refund letter, typed out all the charges onto the simple spread sheet, provided by the site, this also calculated the 8% interest. checked it, double checked it, triple checked it.

 

have i got it right? prelim letter and spread sheet? anything else i need to add?

 

tia

[BARTY]

Hi

Don't include the 8% interest on your spreadsheet or in your letter, only include this when you file your Court claim.

Good luck, let us know how you get on.

Barty:)

[owethebank]

thanks for the speedy reply barty,

 

so its just the letter and spreadsheet no 8% or apr to be added yet?

 

tia

[BARTY]

Hi

Correct:)

Barty:)

[owethebank]

hi again, ive received a reply from tsb, to my preliminary request for refund letter. i would think its a standard letter saying they are sorry to learn that we have cause for complaint!! they are investigating the complaint and expect to complete it within four weeks. also attached was a letter headed "voicing your concerns" which was basically a load of waffle.

 

so after two weeks should i send in the letter before action? or wait the four weeks, and this time do i add on the interest (8%)

 

thanks in advance

[nicsussex]

so after two weeks should i send in the letter before action? or wait the four weeks, and this time do i add on the interest (8%)

 

Yes send the LBA after the timescale that YOU have given THEM has expired but don't add the 8% until you issue a claim

[nicsussex]

Thanks for the PM - in answer to your question - this site has never advised adding the 8% at LBA stage - this ist statutory interest under S69 of the conty court act and therefore can not be added until a claim is issued

[owethebank]

thanks for two swift replies, ill get the letter off in the morning

[owethebank]

hello again, more than two weeks have passed since i sent my lba, ive checked through the tracker and the letter was signed for, and ive heard nothing. what should be my next step? re-send the lba or fill in the claim form?

 

this is obviously going to go to court now as lloyds will be relishing the thought that we live in Hull, where recently a judge threw out similar claims.

 

so will we need a legal representitive? and how much will it cost to make a claim? just incase i get the same judge?

 

we feel like we may be getting a little out of our depth here, bitten off more than we can chew so to speak.

 

tia

[passivenomore]

Hi there...

You may want to read through this thread:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/102992-excellent-news-hull-one.html

 

Also, don't worry that you haven't recieved a reply... just carry on with your claim... to the timescale layed down on this site, or whenever you feel comfortable.

[owethebank]

thanks thats great.

 

so now i send in the claim form, does anything go with it? (covering letter?) can anyone answer my q's in the previous post about legal rep and cost please.

 

thanks

[nicsussex]

can anyone answer my q's in the previous post about legal rep and cost please.

 

Did you not read the link that Passive posted above? There is no need for legal representation.

[owethebank]

Did you not read the link that Passive posted above? There is no need for legal representation.

 

yes i read it,

 

ill rephrase it, can someone advise me what to do next please.

 

tia

[nicsussex]

You now have to submit your claim either through MCOL or using N1 at local court (prefereable in my view) all you need to include if you go down N1 route is three copies of N1 and schedule of charges (1 for court, 1 for bank and 1 for you) and cheque for relevant court fee

[owethebank]

thank you, thats what i needed to know,

 

you know whats coming next, how do i find out what the court fee will be?

[nicsussex]

what is the amount of your claim?

[owethebank]

ive just found it on the hmcs website