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    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
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    • UK travellers are being caught out by post-Brexit passport rules.   When do I renew my UK passport and what is the 10-year rule? WWW.BBC.COM UK travellers have been turned away at airports because their passports are not valid for EU travel.                                   
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Hi,

 

Even though I have been trawling through this forum with great interest, it has taken me an age to finally puff my self up to start the claim back process. Anyway a friend told me that all I have to do is call up Lloyds and ask for my 6 year bank statements paying the staturary £10 charge(which they extracted from my account). I called on 11/4/07. Will this be ok or will I have to send a standard letter anyway? Also I use an online account. Will this cause any issues with them in supplying the statements?

Thanks for any information from a great crowd!!:grin:

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If they've taken the money from the account then i'd count the 40 days they have to supply your statements from 11/4/07.

Your online banking shouldn't cause any issues with you recieving them. 7 days before the 40 days are over I'd write a letter reminding them that they only have 7 days left to comply- if you haven't already recieved them!

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Thanks Monopoly23. Hope this goes smoothly. Like I said I have read with great interest all the other posts, the victories, the questionable ones, the processes. Its an adventure!!

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Hi,

 

Even though I have been trawling through this forum with great interest, it has taken me an age to finally puff my self up to start the claim back process. Anyway a friend told me that all I have to do is call up Lloyds and ask for my 6 year bank statements paying the staturary £10 charge(which they extracted from my account). I called on 11/4/07. Will this be ok or will I have to send a standard letter anyway? Also I use an online account. Will this cause any issues with them in supplying the statements?

 

Thanks for any information from a great crowd!!:grin:

 

Hi Benjy and welcome to CAG. Depends how far you need to go back - you can print off your statements from your online account for the last four years (I think its 4) - this could start you on your calculations whilst waiting for your statements to arrive should you need to go back further!

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Thanks Empowered - more great advice. Think I will do that. You guys should have your own consultancy!!

 

Hmm - now there's a thought! However we might just be called "ambulance chasers" and no one on this site advocates using fee charging firms, however - nice idea!:D

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Hi I just want to ask some other questions based on other users forum accounts. I have been with the bank since when it was only TSB. This goes back 23 years, since April 1983. Can I apply for statements as far back as that? Also i have a defaulted bank loan that I have just started paying on an agreed amount and an overdraught of £1300 that I am paying back 15.oo a month for. Can they use these debts as a way of getting back at my claim?

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  • 2 weeks later...

Hi ,

 

I called lloyds on Tuesday and repeated my request for 6 years bank statements. Even though I have access to my online account, I do not have access to a secure printer, especially at work. They told me that I will begin to recieve the statements in "packs" over the next week or two. Is this right or is this another example of LLoyds dragging their feet. Would I have to send a letter this time or wait?

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Hi

If it has been over 40 days, send them this, should get them moving:

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 still waiting for my statements. I went into my branch yesterday to try and get my statements over the counter. The assistant said that I had to ask customer services section. She also said that there was a special department setup to deal exclusively with bank charge reclaims and it may take longer than the 40 day limit. There was a queue at customer services and I could not stay long. I still have not seen any of my bank statements, since my last post either. I think that as the reclaim takes momentum and there are more and more people claiming, then it will take longer for claims to be concluded. To be fair the 40 day limit isnt up yet, but I do feel a growing sense of frustration at this slow, meandering process

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  • 2 weeks later...

Got my statements at last yesteday (16/5/07). They stated in a letter that the statements can only go as far back as 1 September 2001, when the account was opened. I think I know what they mean, becasue I have been with TSB since 1983, but LLoyds acquired TSB in September 2001, so that is as far back as they can take it, I think.

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Oh I have just discovered that TSB and LLoyds merged in 1995, so I should be able to get statements as far back as 11 April 2001 when I first requested the statements. Think I will cos thats 5 months short, but it may take another 40 days, would this be right? Anyone?

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Hi, I have calcuated my charges but have sent back a letter asking lloyds to send me statements dating back to 11 April 2001, bacause they sent me statements for 1st September 2001 only.

When I have something more interesting to post maybe I will get a response...

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No offence meant benjy! Its been really busy on here recently and new posts are lost fast to the second page! It seems you've discoved what the schedule of charges is on your own too ;)

 

As for your statements, if you are willing to wait for more, there's no reason to limit your request to just 6 years anyway.

See BF's thread for more info:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/81799-issues-raised-llloyds-bank.html

Also see:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html

 

Good luck and keep us posted. :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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No probs. Im subscribed to your thread now so whenever you post I'll know about it and if I think I can help I will. Not everyone that will see your thread will know the answer to your questions so sit tight and someone who knows will answer before long. You're not being ignored! ;)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly23 or anyone else, I originally requested my staements on 11/4/07. i got my statements on 16/5/07 but were 5 months short. I sent the letter back asking for the emaing statements. Now the 40 day notice period is up, should I now just claim for the charges I have calculated now and send them the LBA letter? Or wait until the other statements turn up?

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You can send the LBA and still add further charges till you file the claim.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Sorry, I forgot to mention that I have yet to send the first request letter asking for my charges back. In that letter it states to put their address, but what address, the branch adress or the address of the centre that is dealing with these claims. Thanks for your help.

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If you want to send your prelim before waiting for further statements to arrive, I sent mine to:

Customer Care

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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