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LLoyds TSB no details held

Aston83
Aston83 Posts: 41 Forumite
Tenth Anniversary Combo Breaker
in Reclaim bank & credit card charges
Hi all,

Trying to reclaim my bank charges from LLoyds TSb as i fully believe i am now in financial hardship.

Their charges was always extortionate and massively unfair.

However, after sending them a Data request, i received a letter stating they hold no details about me or my accounts. I included all information i could however i don't know my account numbers.

Surely they should be able to find my account numbers?

Or have they sold my debt and all traces of the account?

Please help.

Many thanks all
«1

Comments

  • dunstonh
    dunstonh Posts: 121,299 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    As you are claiming under hardship criteria that means your account must be open still. So, can you not look at your bank statement, debit card or cheque book to get the account numbers?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Aston83
    Aston83 Posts: 41 Forumite
    Tenth Anniversary Combo Breaker
    No as i cut up the card and never got a cheque book. Yes the account is still open. I have since moved and notified them on 3 separate occasions and i feel this may be stopping them for confirming my details. However without my details i cant deal with the situation. Vicious circle. lol
  • Wywth
    Wywth Posts: 5,079 Forumite
    Oh well, if they state they have no details of you as a customer, you can forget about that £1307 Lloyds TSB Overdraft in your signature.

    Result! :D

    Back of the net! :cool:
  • Aston83
    Aston83 Posts: 41 Forumite
    Tenth Anniversary Combo Breaker
    Result!!

    But surely they should still keep a record of my account with them?

    What if they have sold on my debt to a different company??

    Just don't wanna get my hopes up that the debt is not applicable. lol
  • YoYoY
    YoYoY Posts: 281 Forumite
    Wywth wrote: »
    ...Back of the net! :cool:

    But perhaps an own goal...;)

    Started 11/03/2011
    Barclaycard - £5346 Vanquis - £165
    Aqua - £508 Natwest OD - £668

    Lloyds TSB OD - £1307 HSBC Joint Managed Loan - £6710 Pounds To Pocket - £1038 Mother & Father In Law - £7580 Brother In Law - £2500
  • dunstonh
    dunstonh Posts: 121,299 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    But surely they should still keep a record of my account with them?

    What if they have sold on my debt to a different company??

    It may have been passed to their collections team.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Aston83
    Aston83 Posts: 41 Forumite
    Tenth Anniversary Combo Breaker
    Ok well im treating it as a debt i have to pay. Does anyone have a link for a downloadable SOA that works out my finances?
  • YoYoY
    YoYoY Posts: 281 Forumite
    Aston83 wrote: »
    Ok well im treating it as a debt i have to pay. Does anyone have a link for a downloadable SOA that works out my finances?

    There's a link to one in the Financial hardship online resources sticky thread.
  • Aston83
    Aston83 Posts: 41 Forumite
    Tenth Anniversary Combo Breaker
    edited 25 September 2012 at 4:03PM
    Ok found it but there isn't one for the debtors i have. Looking for a generic one if possible.
  • YoYoY
    YoYoY Posts: 281 Forumite
    Aston83 wrote: »
    Ok found it but there isn't one for the debtors i have. Looking for a generic one if possible.

    I would suggest you take a look on the DFW board to see if you can find what you want.

    If you can't find it there, posting for help looking for what you seek over there will probably be best :)
This discussion has been closed.
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