LLoyds, is any one home ?

[Caspar]

Re: LLoyds, is any one home ?

I think when you send copies of those letters to the CEO Lloyds will find they had a banana, have eaten it and dropped the skin and I feel they might be about to slip on it!

Neatly brought back to topic - quite proud of that one lol

[The Debt Star]

Re: LLoyds, is any one home ?

no banter caspar. the skeleton has decreed it.

[Garlok]

Re: LLoyds, is any one home ?

Hi Miss P,

On to the serious issues again.

I have taken another read of your thread. Taking a read on another day some time later often throws up a different angle to what is going on. A point no one has taken up focussing only the complaints angle. By all means write to the CEO and get the paper trail going.

You have stated that the original card for which I assume you have never signed another agreement, was taken out in 1982. This puts you into a grey area, we have two falling in to this bracket with another OC. It is more than likely that they have no compliant paperwork for your agreement.

The reasoning is that the CCA1974 was enacted in Sept 1977 if memory serves correctly, however the regulations governing the mechanisms of this Statute were embodied in the Statutory Instruments of the 1983 Regulations. So you fall into this somewhat grey undefined area. We have been told professionally that they can just refer back but that does not remove their obligations under the Act. Also remember that in your circumstance you will have the full protection of s127 which was somewhat watered down in the 2006 amendments.

With these agreements the banks and their cohorts of DCA allies will throw up all sorts of flak, smoke and mirrors and get up to all sorts of shenanigans to bring you to heel.

If you haven't signed anything since to renew this original CC agreement (cut off date April 2007) then basically tell the CEO to go take a hike would be my take on the subject.

regards
Garlok

[BEAGLESROCK]

Re: LLoyds, is any one home ?

Hi,

You are entitled to a copy of all of the information they hold about you. The charge is £10 .

The organisation has to reply promptly, and at the most within 40 days, starting from the day they receive both the fee and the information they need to identify you and the information you need.

It is best to send your request by recorded delivery, and keep a copy of the request and all other correspondence. This will be important as evidence if you need to complain that the organisation has not given you the information you think you are entitled to.

Here is a useful letter template

LLOYDS TSB BANK PLC
Data Subject Access Request,
Charlton Place,
Charlton Road,
Andover,
Hampshire
SP10 1RE
[DATE]

[quote]
[your address]

Dear Sir/Madam
ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.
Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject access request, I shall also be reclaiming the enclosed £10 DPA Subject access request fee.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.
I would be happy to collect the Data from my local branch.


Yours faithfully,


[signature]


[name]

Good Luck. Hope that helps

[leclerc]

Re: LLoyds, is any one home ?

"Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them."

The penalty charges argument is dead so please be careful using that wording.