jayco v Lloyds (help!)

[jayco]

account was closed in 2001 with over £2000 overdraft of mainly charges, paid all but £190 back.

 

SAR for last 6 years statements - got 3 statements

SAR for all statements - got 3 back with letter asking if i wanted any further back before September's 2001 i was to reply and ask for them, but they will take time to get ???

 

was getting daily telephone calls from allied international collections dept, got sick so threatened them with OFCOM for harassment, they have just sent account back to Lloyds.

 

Lloyds wrote to me yesterday threatening court action unless I paid the remaining £190 within 5 days...

 

what do i do now ?

[nicsussex]

You should write to them and state that the account is in dispute

[jayco]

thanks, should i also just re-request all statements, or move on to prelim with aproximation and also ask for full statements in prelim ?

[nicsussex]

Once you have informed them that the account is in dispute - they should not persue you for it - until the dispute has been resolved. If the dispute can not be resolved until they have provided your statements it is they that are delaying matters

[jayco]

thanks !

[jayco]

got this email, they are not complying with my SAR, its beyond 6 years, they have only sent me 3 statements.

 

Thank you for the e-mail.

I acknowledge your request for copies of charge transactions on your account.

Your e-mail has been passed on to our Copy Statement Unit and I have asked that your request is noted and for a response to be sent to you at the earliest opportunity. I wish to point out that there is a £10 charge for the requested information. The Copy Statement Unit will be contacting you in connection with this.

I would like to point out that we are obliged to provide up to a maximum of 6 years account information and as you have mentioned under DPA guidelines, we are allowed up to 40 days to provide the information you have requested. Hopefully we shall be in a position to respond before then.

 

 

 

i have also paid the £10 fee twice !

[curlychic]

My advice would be to send them a non compliance letter from the link below. Use letter template 1 and jiggle the words to fit with your circumstances, not forgetting to add a bit about already paying the £10 fee twice !! (just out of interest did you pay by chq)

 

Heres the link ... Good luck, keep us posted

 

XxXxX

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

If I have been helpful, PLEASE click the scales

 

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

[jayco]

thanks !