Nat West and LloydsTSB

[new-me2010]

Could somebody please give me some advice about those mentioned above.

 

Its taken me a long time to get round to sorting out ex banks.

 

Precis ......

 

2005/06 Divorced, moved area was with Lloyds 2 current accounts and savings.

 

financial meltdown and they weren't very helpful as ex refused to sort out money

 

2006 Opened account with Nat West 2 current and a savings and they were as bad as Lloyds.

 

2006 went to Barclays and they were great.and are good.

 

Dec 2006 divorce finances sorted and by March 2007 Iwas only using Barclays.

 

Nat West and Lloyds kept on adding the huge charges.

 

In 2009 I sent off my £10 to both banks with letters and got them signed for.

 

I didn't get anything back from them except to ask me to do a signature which I refused.

 

Its just been hanging around since then.

 

As I now have time to start sorting things would you point me in the right directions.

 

Lowell have Lloyds Nat West not sure on and Marlin the second Lloyds.

 

Many thanks.

[citizenB]

Have you made any payments towards these debts and when was the last payment made ?

 

Nat West in particular are refusing to send either CCA or SAR requests without a signature.

[new-me2010]

I sent £10 in in 2009

 

I haven't paid anything to either banks since 2007.

 

I will double check on everything tomorrow as I will go through all the files.

[dx100uk]

I take it the £10 was for sar's?

 

so doesn't count

 

what does your CRA file say please

 

see below

 

dx

[BRIGADIER2JCS]

I cannot find fault with a bank requiring a signature and or other proof of ID before complying with a SAR, there is no reason not to sign it.

 

I would not like to be open to anyone being able to get data on me via a SAR because banks etc., would send it out without proper checks.

[fletch70]

I do not think the OP was complaining about the signature request just stating that he was asked for one and for one reason and another he didn't follow it up. If that was not followed up could Natwest have used the £10 as a payment thus resetting the SB clock from 2007 to 2009 . "007 would have made the account almost SB

[new-me2010]

Lowell which is TSB was ac opened 01 default 09

 

Nat west opened 06 default 11/09

[new-me2010]

Hi

 

I may be rambling a little as have brain fog due to chest infection.

 

I am going to attack the Nat West Accounts first, one is below £450 and the other is under 3.

 

The SARs I asked for in 2009 were for charges so which SAR template should I use?

 

The other question is does that SAR mean that the the clock was restarted then ?

 

HDIGABTT?

Edited October 7, 2013 by new-me2010

[dx100uk]

an sar is for all data they hold not just charges or ppi

 

dx

[new-me2010]

Thank you DX.

 

I am home now and have checked the Lloyds Select Account. The Last transfer I did into that account was September 2007. It was an overdraft and from that its ramped up quite a few hundred fees.

 

When I sent in the first SAR which was never complied with in 2009 nothing came back I was in a very black hole and it was for hardship

[dx100uk]

send the sb letter

 

dx

[new-me2010]

I thought I would dot the I's and cross the t's and have sent a new SAR to Lloyds and Nat West, with the hiccup at the Post Office included for a little bit of drama.

 

I also reminded them both that they had already been asked in 2009 and I got nothing back.

 

Evil I actually told them 25th November is 40 days

[new-me2010]

Well tracked letters, NW arrived on Friday and signed for

 

No signature from lloyds but confirmation by letter that theirs arrived Friday too.

 

Will wait to see what appears.

[new-me2010]

I didn't specifically send account numbers, I couldn't find them anyway so I asked for everything.

 

I've had letters from different departments in NatWest, mortgage and credit card saying they've found nothing which is correct so they are looking everywhere.

[fletch70]

Did you send the SB letter, I hope not unless you have checked the cause of action date. Had the account been terminated with a formal demand for payment. The SB date would be 6 years after that if it was later than the last payment

[new-me2010]

Have not done anything to the accounts at all,

[fletch70]

Sorry in your original post (that came via email) you said yes but now it says no?

 

Did you send the SB letter?

[new-me2010]

I was having a blonde moment, or rather alot of them yesteday

 

I haven't sent statute barred letters to Lloyds or Natwest, just asked for all data,

 

Only SB's letters went to Crapbot and another blonde moment CR7 6YY is the postcode. LOL

[new-me2010]

Lloyds SAR back today, poor DHL man

 

I have found that I had loan in 2004 with PPI so need to do that.

 

One Current Account Last payment 6 years ago today, the other 6 years in a week.

 

The only other notification on the log of the accounts is when I asked for the other SAR in 2009 and it says letter sent re charges

[dx100uk]

so sb'd then?

 

 

dx

[new-me2010]

Yes I will get the letters ready ...........I'm having such a wonderful time with the highlighters double checking that ther;s nothing else around.

 

The only thing that I don't like on there is all the black blocking off so you can't see what has been written about me.

 

That shouldn'r be allowed :mad2:

[fletch70]

New-me just double check before you send of that SB letter.

 

On the O/D had you been defaulted or had they cancelled your OD before this last payment

 

On The CC was the last payment a regular monthly payment...if so it will be at least another month before it is SB

 

SB is 6 years from the cause of action or last payment or written acknowledgement whichever is the later (unless you acknowledge or pay when it is already SB)

 

Hope that makes sense

[new-me2010]

I'm not going to send them yet...............

 

The last time money was paid into one account is a year today.

I'd changed banks and the last deposit it paid the final bill.

There were a couple of charges that went on at month end, and it just escalated, and I wasn't in good health so just let things go.

 

I will start off 2014 with the letters.

[new-me2010]

Another question about Lloyds

 

I asked for everything in the SAR but the copies of what I would call the diary are full of redacted information

 

Its like someone has gone along with a black marker pen and scribbled it all out

 

Shouldn't I be privy to what they have written about me?

[BRIGADIER2JCS]

No doubt these 'records, contain information that is not considered 'personal' data, a Subject Access Request is limited to personal data held on the 'data subject i.e. you.

 

Diary notes may not be specifically your data.