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.
I am going to challange Llloyds tsb on my overdraft as i know for a fact i did not sign any credit agreement to accsept it they just added it in collections :s
Letter 2 is the SAR but I would bookmark the whole link as you will need other letters from there later on.
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Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor