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Going after Lloyds...A few questions


tooth_fairy
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Morning all,

 

I wonder if anyone with experience of claiming charges can help me?

 

In 2002 I held a Lloyds account as my household account, whilst keeping my student account for my student expenditure.

 

I was very suddenly taken quite seriously ill and had to have major surgery, which meant I could not pay into my account, at the time of this happening I had already been subjected to several charges but when I went into hospital I had about £900 in my account and when I cam out I was -£130, as I couldn't pay it, it was refered to their debt department and as it was charges, the wrote it off and closed the account, but they did default me on my CR.

 

I have since been more informed about charges thanks to CAG and general press interest and I am now really angry that I have probably paid out over £1000 in charges to Lloyds.

 

Since that, I have moved and got married.

 

My questions are:

 

1) Can I still claim even though they wrote off the £130 debt?

2) I now have a different name and address, what evidence should I provide with my SAR to prove my identity

3) Are Lloyds likely to refund me after I ran my account into an unauthorised OD because of the charges?

 

Thanks

TF x

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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The charges are unlawful - full stop - so no matter how they were generated they are reclaimable.

 

The fact they wrote off £130 is neither here nor there, although I would add caution if you were asked to sign anything back then as it might have referred to something which now might be a problem - but if this just happened as part of negotiation then there shouldn't be a problem for you.

 

How long has the default been on your files?

 

If that original debt was made up predominantly from charges then you must include reference to it in any claim and should also be very reluctant to accept any monies as settlement unless the default removal is included as part of the process.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thank you, I was never asked to sign an agreement agreeing to anything relating to further charges, I simply wrote a letter outlining my circumstances and saying that I was was in poor health I would not be able to make any payment and as I had let them know that I was ill as soon as I could, it was unfair they were charging me, so they agreed to write it off as 'a goodwill gesture', it was only a 4 line letter from LTSB.

 

I would like the default removed as part of the claim, it's been there for 5 years but I am trying really hard to clean up my CR, so I would certainly take your advice and ask them to remove it as part of my claim.

 

Certainly in the grand scheme of things, £1000 ish isn't a lot for them, but for me it is a big amount, not just financially but the whole point of it too.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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Good luck Toothfairy

;)

Any questions just shout

XxXxX

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.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

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  • 1 month later...

I sent my SAR to Lloyds nearly 50 days ago and they have not fulfilled my request. My cheque to them was cashed at the begining of June but I have not heard anything from Lloyds at all.

 

As this relates to a close account, am I able to call a number, if so, does anyone have a number to contact them on?

 

What do I do now, do I sit tight or do I remind them of their obligations?

 

Cheers

TF x

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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Hi

See if you get anywhere by ringing 0117 943 3133, if you have no luck, try sending this:

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

Good luck!

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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  • 2 weeks later...

Hi all

 

14th May I sent my SAR to Lloyds, Signed for on 15th May.

Lloyds cashed my cheque on 23rd June.

 

I have now waited almost 2 months for my data, 10 days ago I sent a letter, kindly provided by someone from CAG asking them to supply the data within 7 days or I would proceed to court to demand access of my data.

 

Still nothing from Lloyds, so what do I do now, how do I go about issuing a claim against them for my data to be released?

 

Would I be able to claim any costs against them for this?

 

Incidentially, I also have the same problem with Barclays bank too.

 

Any advice is appreciated.

 

TF x

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I don't know if you can do it on MCOL as I don't use it. Hopefully someone will be able to give you a definitive answer.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi tooth fairy,

 

Personally I would take it to the court, as you cannot add your statements with MCOL; I know 1k's of peeps have used MCOL successfully, but in my MVHO using MCOL adds a delay as they pass it to your local court in any case.

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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