Showing results for tags 'pre action protocol'.
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Dear All, Advice required, next steps. Lloyds have previously sent a compensation amount, I subsequently sent a SAR request and CCA request this gave me more information proving their compensation amount was incorrect. I now have statements back to 2000, however I think the account was opened in 1983. I do not have this data, Lloyds have failed to provide the data saying they only have to keep records for six years, however the CC department say their records say it goes back to 1990, but I do not have this on paper. I have created a financial model to reflect all statements back to 2000 then a straight line balance and PPI charge back to 1983. I would like to claim the full amount know, as I see it I have a number of options; 1 Go directly to Lloyds with my claim 2 start a pre action disclosure to ask them to give the date the cc started 3 take my case to FOS as I seem to have exhausted evey avenue from lloyds I am wondering if these are the only options and what anyone with experience of this would advise? Kind regards Platox
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