Lloyds offer a total insult

live4dogs

Hi robbedofmymoney or anyone else that can advise me, can you tell me, is the reconstructed balance the figure for the period sept 1999 to 2004 when Lloyds dont have the statements for , thanks :undecided

robbedofmymoney

live4dogs wrote: »

Hi robbedofmymoney or anyone else that can advise me, can you tell me, is the reconstructed balance the figure for the period sept 1999 to 2004 when Lloyds dont have the statements for , thanks :undecided

the document you sent states that the loan is re-constructed from sept99 to date, however they have not included any figures for the period sept99 to may04, this is where they should have used an average figure.

unless thay can demonstrate otherwise this is how i read the offer.

i hope this helps

live4dogs

thanks, when I phoned them they kept re-iterating that they couldn't do that as they didnt have the paperwork and as far as they're concerned I may never have used my card in that period, what a silly statement to make, why would I get a credit card and not use it, stupid people !

robbedofmymoney

live4dogs wrote: »

thanks, when I phoned them they kept re-iterating that they couldn't do that as they didnt have the paperwork and as far as they're concerned I may never have used my card in that period, what a silly statement to make, why would I get a credit card and not use it, stupid people !

i know what you mean, thats why they normally work out an average figure and apply that, this is usually agreed with the FOS. i know some people have gone to the FOS and have won previous years on this basis

robbedofmymoney

forgot to ask,

did you ask for/ever get a SAR, as if you did and you bank with Lloyds you may have been given bank account statements (not credit card) going way back, mine went back to 1996 with mine, these will show payments to your credit card which you could use to argue that there was a balance on there pre 2004

live4dogs

Hi, no Ive never requested a SAR , I dont know how to do it or anything, further help is very much appreciated again ! thanks

live4dogs

Hi, Ive got the SAR template all I need now is where do I post it, Im dealing with Lloyds bank, thanks in advance

robbedofmymoney

LLOYDS TSB BANK PLC
DSAR TEAM
CUSTOMER SERVICES
RECOVERY TEAM
CHARLTON PLACE C57
ANDOVER
HAMPSHIRE
SP10 1RE

you will need to send a cheque/postal order for £10 and they have 40 days to get the information to you

rustyballz

In the currently climate, I'd snap their hand off for £1200. Where else are you going to get £1200, back of the sofa?

I am making a PPI claim against HSBC, cos I can. It doesnt necessarily make it a god given right to get money from a bank. I didnt need or want PPI, but maybe I should have read more into what I was doing at the time.

In theory, I'm owed nearly £4000, but if they over £1200, its potentially free money that would come in handy.

In summary, dont look a gift horse in the mouth! They could now make you take it to court, and you could lose. Be careful!

live4dogs

Thanks robbed of my money,
I just want to reply to the previous post, the money I,m claiming back is MY money and I do have a right to claim it back, I was on incapacity benefit when I got my credit card so I should never have been sold PP.