Reclaim Unfair Bank Charges Discussion Area

mrs-d_3

Hi guys could somebody help pls. After discovering this site and CAG I went through my statements to add up charges. My partner and I have 3 accounts with Lloyds and charges on all 3. £3166, £1340 and £165. Should I start to reclaim for one account at a time or can I do all three at the same time (3 separate letters)? I mean do I need to wait for one case to settle before I start another? I was thinking to send prelim letters for all three but with couple of days gap between each!? Hope I'm making sense.
Please help.

pigsmightfly

mrs-d wrote: »

Hi guys could somebody help pls. After discovering this site and CAG I went through my statements to add up charges. My partner and I have 3 accounts with Lloyds and charges on all 3. £3166, £1340 and £165. Should I start to reclaim for one account at a time or can I do all three at the same time (3 separate letters)? I mean do I need to wait for one case to settle before I start another? I was thinking to send prelim letters for all three but with couple of days gap between each!? Hope I'm making sense.
Please help.

Hi!

I would keep letters for all three accounts seperate then you can quote the seperate account numbers on top of the letters but when you send them, just send them all in the same envelope.

This way you will be able to keep track of your dates a lot easier and it will also save you on postage

loophole_2

Twinkly wrote: »

In that alone I admit mistake and permanently withdraw the erroneous section of that sentence. I have corrected my error.

Case finally closed.

He he he... Don't worry twinks, SP obviously has nothing better to do, what a winner...! :rotfl:

Twinkly

pigsmightfly wrote: »

Just a quick question.

I am aware that companies have to keep certain records for so many years and after asking in my accounts department, they have said anything we have relating to any kind of contract agreement with a customer must BY LAW by kept on record for a minimum of 6 years after expiry.

Does this also apply to banks?

I am asking as Natwest are saying they cannot find details of my account as it is now closed so they have probably discarded my details but they still also refuse to remove any items from my credit file even though they can't prove I had an account with them. Just wanted to know if it was law for them to keep details as it will sound good in my next letter to them

A rudimentary google shows me nothing definitive but I will keep looking. This may apply to me at some point in one of my personal cases.

Possibly related is a discussion with Esmerellda I had a little while back regarding claiming further than 6 years under section 32 of the statute of limitations act. She mentioned something about the banks having to produce a Certificate of Destruction for data they claim not to have and sometimes this has the result of information miraculously appearing. Worth a try to tell them you are under the impression (not that you know for sure) that they will be able to supply such a certificate and see what happens

pigsmightfly

Twinkly wrote: »

A rudimentary google shows me nothing definitive but I will keep looking. This may apply to me at some point in one of my personal cases.

Possibly related is a discussion with Esmerellda I had a little while back regarding claiming further than 6 years under section 32 of the statute of limitations act. She mentioned something about the banks having to produce a Certificate of Destruction for data they claim not to have and sometimes this has the result of information miraculously appearing. Worth a try to tell them you are under the impression (not that you know for sure) that they will be able to supply such a certificate and see what happens

Thanks Twinkly.

I tried searching on Google as well but couldn't find much. When I asked at work in our accounts office they said that anything to do with Contract Agreements must be kept and that is what you have with a banks isn't it so surely they must have to keep data too

We'll see what Natwest have to say to my letter now then and see if it does appear like magic

Twinkly

chunky123 wrote: »

Hi
Be patient with me newbie, I too have asked for my charges with 3 banks not had the charges sent to me just 2 letters from LLOYDS tsb telling me they are sorry that I have made a complaint and they will contact me in 4 weeks time I have not officially made a complaint as yet and also 1 from the Coop bank which I have recieved after asking for 370 pounds to be refunded and they have said they will be in touch by telephone or letter within the next 7 days which has passed.I have also asked for the total charges from my daughters Halifax account and sent the fee but they have not responded at all whats my next move.

Dean

If you sent the letters to Lloyds asking for details as a Subject Access Request under the Data Protection Act an enclosed the statutory fee of £10 then the banks are obligated to reply within 40 days. Failure to do so is something you can complain to the Information Comissioner about. If you havent done it this way you will have technically entered into the banks own complaints procedure and they will follow their own timescales. That is not to say that you must do so and it may help to reiterate your request under the Act specifically and safeguard your right to complain to the ICO.

With regard to the Co-op they have said 7 days and it is advised on the site to wait 14 days then proceed further so you still have some time.

With regard to the Halifax you will need to give them 40 days to send the information and they may respond at any time in that period so they may yet do so. If they havent after 40 days you can complain to the Information Commissioner about the delay.

It is no comfort that they are snowed under with people reclaiming charges and that there are delays in dealing with them but you can complain about breaches of certain aspects of their obligations and you can proceed with your own timescales as laid out in the templates in the main article. Hope that helps and good luck

Twinkly

pigsmightfly wrote: »

We'll see what Natwest have to say to my letter now then and see if it does appear like magic

I'd be interested in their explanation as to why they cannot remove credit references from your file if they have no proof of their existence. I wonder how that would hold up in court should you decide to apply to have them removed if possible ? Hmm.

pigsmightfly

Twinkly wrote: »

I'd be interested in their explanation as to why they cannot remove credit references from your file if they have no proof of their existence. I wonder how that would hold up in court should you decide to apply to have them removed if possible ? Hmm.

Yeah good point.

Well if they say yet again that they can't find my details I am going to ask them to remove the notes on my credit files instead as I know I haven't had many charges on that account so won't be losing much.

Will keep you up-dated

steviebee_2

hi, spoke to the above rogues as my 14 day reply expires tomorrow, they said it is taking 3 weeks plus because of the backlogs, should i carry on regardless with court letter or give it another week? t.y.

pigsmightfly

steviebee wrote: »

hi, spoke to the above rogues as my 14 day reply expires tomorrow, they said it is taking 3 weeks plus because of the backlogs, should i carry on regardless with court letter or give it another week? t.y.

I have always just carried on and stuck to my timescales. You have given them warning and a length of time to reply so they know what is going to happen. It could be another few weeks before they reply or even longer knowing the banks so just carry onto the next step