Threat of legal action (lloyds) excess overdraught wholly their charges

[PeterAnderson]

I too was trying to recover my 'real' statements but with no luck, so I stamped my feet recently as they had passed the 40 day allowance in response to my SAR request and also my 14 day reminder letter.

 

I have now managed to get a list of the charges AND a full photocopy of statements for two accounts - I got these in a flood of mail THE FOLLOWING DAY - eek!!

 

What I found interesting was where I had sent the letters, and where the replies had came from? 1st ltr sent to my business centre in Southampton - but it was received in Manchester but the reply came from the Copy Statement Centre in Birmingham. 2nd ltr sent to CSC, Birmingham, BUT the reply came from my OWN branch in Littlehampton (signed, pp Copy Statement Unit - ah ha), with full copy statements going back to 2001.

 

I noticed that the first 'Dear John' ltr came from the Customer Recovery Centre, Andover (apparently according to them they are the guys who will eventually repay you): Tel: 01264-832297/832915/725214/832238. I rang them, very helpful, gave me an update off their computer and was told that they would chase the Copy Statement Unit, Birmingham.

 

I was now made aware that because of the huge number of requests they were just sending the list of charges to keep up with the DPA. THEN I found out that anything before Sept01 was kept on microfiche - this is obviously a time consuming task to recover, print and send, and where were they kept?

 

So, realising that the 'real' statements had come from my own branch I rang them; lady told me that they could only go back to Sept01 (she was quite snotty at first), and it seemed to me that this is what she had been told to say; I told her this was rubbish as they had to comply with the DPA and that 6-months were missing from my claim date. I also told her that some members of the CAG had managed to go back 15yrs - so after a short while she fiddled with her computer, her attitude changed, and even wished me good luck with my claim; she also told me that the 'flood' of applications had now slowed down - the next day I received a list of charges from CSU and full statements from Littlehampton

 

Lessons learnt (I think imho) are requests for copy statements go to CSU, BHX (this would have saved me 7 days if I had done this). Prelim ltr to Andover and not BHX, another saving of 7 days; likewise LBA to Andover and not LDN.

 

Hope this helps