Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
The SAR that I sent to Lloyds passed it's 40 days yesterday.
Today I received a standard letter saying that one of the accounts I listed is a savings account and as this incurred no charges they have not generated any copy statements for this account.
This doesn't matter does it? I think they should still supply me with copy statements for this account.
They actually closed the account (and my current account) in February 2008 but haven't written to me to tell me, so part of my SAR was to find out what's going on. There was just over a fiver in the account and I'm not letting them keep it lol.
Have been receiving information in dribs and drabs (sp?) from TSB.
A few days ago I received my personal loan statement - according to this they didn't charge me for returned direct debits or sending me letters. Does that sound normal?
Also, they have closed my current account and added my overdraft onto my personal loan, so they are now treating it as one account instead of two separate ones. Is this allowed? It's a bit annoying because now I have one giant debt instead of a big one and a small one - was looking forward to seeing the small one slowly disappear!
suz7 vs Lloyds TSB
that I sent to Lloyds
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