Lloyds tsb

logyon

how do i go about doing this?

I had a lloyds tsb bank account that i used from what i was little i changed it as i got older from a classic account to a select account sometime between 2006-07 i have some statements showing i have paid from 2007-09 from some of them up to £450 in charges not including any other statements i haven't found yet. i closed this account to move banks but not sure when i closed it.

Who do i write to to get my statements from say from Aug 2006 to account closure.? So i can work out how much charges i have to then make a claim.

I think i will have to request this under the Data protection Act.

Does any one have a template i can use?

Does any one have the address that i can write to request the statements?


Thanks
Logyon

dunstonh

What charges are you referring to?

logyon

Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit

DevCoder

The banks won the court case so there is no obligation for them to refund any of the fees mentioned.

You can ask but its really only hardship cases that are looked at by banks now.

You must be in hardship currently, be in a cycle of debt and be only just paying priority debts. So any sky subscription, mobile phone contract etc will make the hardship case fail. Some banks will scrutinise your statements for spending habits.

Even with the above, most banks will only refund up to a maximum of last 6 months charges in hardship cases.

dunstonh

logyon wrote: »

Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit

On what basis would your complaint be?

Since the banks won the court case, the only time the banks refund charges now are incorrect application (i.e. error), goodwill gesture (such as first time mistake) or current financial hardship (i.e. you currently bank with them have current financial hardship).

Even with hardship cases, they only have to consider what is fair. Options open to them can include no refund but things like suspending future charges for the next 6 months or making it interest free.

With a closed account from 5-7 years ago, there is no goodwill from them to refund anything and you are not in current financial hardship as it was so long ago. You can ask but you would need an exceedingly generous staff member to consider your request.

logyon

i thought since 2006 the default for a charge was 12.00 for going over an over draft

i thought the different you could claim back

dunstonh

i thought since 2006 the default for a charge was 12.00 for going over an over draft

No. That is not the case. You are thinking of credit cards and over limit charges. No ruling was made on current accounts.

logyon

ok as some months i had charges from £21 to as far as £165 on month

to do with daily fees, monthly charge relating to my over draft over the past years. Then i was in hardship but i got a better job now.

dunstonh

The time to raise it is when you are in hardship.

logyon

So is it not worth me claiming now?

I owe lloyds tsb credit card 4k and i struggle to pay that. but then the only bill i have is my contract phone but as a couple me and my partner dont get benefits because we dont land below that threshold but i can take home 500 a month in pay from a part time job


at the time all of the charges i was working less on a lower paid job

Atidi

logyon wrote: »

how do i go about doing this?

I had a lloyds tsb bank account that i used from what i was little i changed it as i got older from a classic account to a select account sometime between 2006-07 i have some statements showing i have paid from 2007-09 from some of them up to £450 in charges not including any other statements i haven't found yet. i closed this account to move banks but not sure when i closed it.

Who do i write to to get my statements from say from Aug 2006 to account closure.? So i can work out how much charges i have to then make a claim.

I think i will have to request this under the Data protection Act.

Does any one have a template i can use?

Does any one have the address that i can write to request the statements?


Thanks
Logyon

You can actually request copy statements 2 ways.

Either contact the bank's customer services and request them.
It will cost you £5.
http://www.lloydsbank.com/charges/services.asp

Or

Obtaining a copy of your information
Under the Data Protection Act you have the right of access to your personal data. The Act allows us to charge a fee of £10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it. For further details on how to request a copy of your information, please write to the:

DSAR Unit
Lloyds Bank
Customer Service Recovery
Charlton Place, C57
Andover, SP10 1RE

http://www.lloydsbank.com/privacy.asp

You can find a copy of the template letter to do a SAR that was created for reclaiming credit card charges here:
http://images2.moneysavingexpert.com/attachment/cc_details.rtf

You can adopt that if necessary.