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toondog v lloydstsb


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hi all, hope someone can help me here, i pretty much rushed into things without doing any homework.:x

 

i wrote my first letter to lloyds with an ESTIMATION of how much they owe me, basically i skipped the statement request because i have 3 years worth of statements, so i simply doubled the amount, and stated that if they did not agree with this to send me the statements covering this period. i also sent off a breakdown of charges made to my account.

 

i recieved a reply from lloyds stating that they were fees and not charges, and perfectly legal, basically just fobbing me off. They gave me a ref number and told me to send off a cheque to this address-

 

Statement request

Lloyds TSB Bank Plc

Customer Service Recovery Centre

Charlton Place (c25)

Andover

Hampshire

SP10 1RE

 

They also said " if we cannot come to an agreement, i will provide you with details of the financial ombudsman service so they can consider your complaint independently"

 

My question is, where do i go from here? do i start from scratch and request the rest of the statements i need from the above address? What about the estimation i made? do i go back on this?, have i screwed up by sending them an estimation?

 

this bank really have made my life a misery for years, i really want to kick thier arses, i mean look at this-:-x 28th feb 2004 UNPAID CHEQUE CHG £125.00, :-x surely this cannot be a fair charging system as they claim.

 

any help such as an appropriate letter template would be appreciated:smile:

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Hi The first letter doesn't matter too much but the fact that your estimating your claim does! You need to send a proper SAR from here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ and work out the exact amount using one of the spreadsheets, also in the link abouve. Take some time to read the http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html and also read a lot of threads to get an idea of what to expect. It's very important that you prepare properly.

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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ok, so i should only request the statements that i dont have? may 2001-may 2004, also should i send the SAR to the address they gave me quoting the ref?

 

i really appreciate your help thanks.

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If you've had your account longer than 6 years see this thread http://www.consumeractiongroup.co.uk/forum/lloyds-bank/81799-issues-raised-llloyds-bank.html. I would ask for all your statements anyway as you will have to copy them if it goes as far as you doing a court bundle. Don't worry about that yet though. Just get your statements.

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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SAR goes to Data protection dept

Lloyds tsb

48 Chiswell Street

London

EC1Y 4XX

 

Your welcome ;)

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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yes send it first class and by recorded delivery. that way you can track it online and see when it gets delivered.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I always send mine signed for. Costs £1.04 but i've read on here that proof of postage certificate from the post office for free will do.

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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  • 2 weeks later...

i sent off my sar to lloyds 2 weeks ago now, and i still havent heard a thing from them, and they havent taken the £10 from my account.

what do i do now?, do i pester them with phonecalls or just sit tight and wait for 40 days to elapse? thanks in advance.

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you need to sit tight i'd say wait till the 40day dead line then start the chasing...

 

when your dealing with lloyds you need to have the patience of a saint as they drag things out till the very last minute along with there solicitors

 

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  • 4 weeks later...

hi all, back again, i recieved my statements from lloyds this morning, 3 days before the deadline!, problem is they are just a breakdown like so-

 

28SEP01 CHG O/DRAFT USAGE FEE 20.00

30MAR07 CHG UNPAID CHEQUE 70.00

 

so how am i supposed to work out the interest i'm owed without my account balance? is it possible to work out the amount with these sheets?

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so i just add all the totals and produce a schedule of charges then send them off with the perliminary approach for payment letter?

 

what figure would i put in the overdraft interest part below? do i just exclude this part?

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter.

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sorry to sound dumb but i've spent a good while looking around the forums, and can't find a clear answer to this- on my statement sheets, there are O/draft interest £00.22. do i add these up also?

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Toondog you're about a week behind me, baileybobs and Royboy so am going to subscribe to your thread so we can all compare where we're at!

 

Good Luck mate

 

 

Titch

:)

SAR sent 07/03/07

Statements rec'd 14/04/07 (ish)

Prelim Sent 03/07/07

Prelim rejection rec'd 10/07/07

LBA sent 12/07/07

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Toondog you're about a week behind me, baileybobs and Royboy so am going to subscribe to your thread so we can all compare where we're at!

 

Good Luck mate

 

 

Titch

:)

 

cheers titch!!

i have one more question, can i add recent charges to my schedule? theres another potential 70 quid!!

 

cheers mate

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cheers titch!!

i have one more question, can i add recent charges to my schedule? theres another potential 70 quid!!

 

cheers mate

 

You can continue to add any charges up to the date that you file a claim against them

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