Hi all, Firstly, feel free to move this post if you think it would be better on another thread - I would have started my own but I'm unsure how to do so! Basically, I sent a S.A.R - (Subject Access Request) to Lloyds at the end of July 07 for two accounts - a current account (still in dispute) and a credit card account I paid off in full and closed in 2005. I got an abridged list of charges to the current account with a letter warning me about trying to claim back said charges. Sent another letter Dec 07 saying they had not complied but I would give them a further 14 days to do so. This passed with nothing from Lloyds but with letters from 2 DCA's instead (Buchanan Clark and Wells, and Apex Credit Management - both part of the same company) Complained to Office of Information Commissioner on the 8th Jan about Data Protection Act breach by Lloyds, and wrote to Lloyds on 10th Jan informing them of this and making them an offer of no further action if they agreed to stop chasing me (or getting anyone else to do so) for the 'debt' and correct any defaults. I asked for a response in 14 days. On Saturday (12th Jan) I finally received the current account and c card statements I'd requested, though well outside the 40 day maximum AND the extra time I gave them. The last page of the most recent current account statement I was sent shows it was closed on November 21st 07, with an amount paid in to the account which exactly covers the outstanding amount they had the DCA's chasing me for. Payment type = DEP (which according to their statements means DEPosit), but the details bit on the statement says "TFR to CDR". I assume this means "TransFeR to Customer Debt Recovery" or something similar, but I have received nothing at all from Lloyds to say they are selling/passing the 'debt' on. There has been likewise nothing in writing to say my account was to be closed or reasons why. Having read a fair few threads I'm pretty sure this is illegal. Anyone else experienced anything similar? I received another letter from Apex (on Sat 12th, same post as my statements arrived in) saying 'a review has been undertaken on your account and you have been selected to take advantage of a 40% reduction'. It was dated 9th Jan 08. Today I received a letter from Geoffrey Parker Bourne solicitors telling me to pay Apex dated 10th Jan 08 (the full amount mind, without the '40% reduction'). The letter however just directs me back to Apex saying GPB will not enter into correspondence with me on this account. ?!?!?!?!?! I'm not overly worried about the DCA letters as I'm pretty sure they don't have a leg to stand on. I informed Lloyds in the Dec 07 letter that it was unlawful for them to pass details onto DCA's, but DCA letters have continued since then and they've even got their solicitor to try and throw their weight behind it now. Is this just lloyds making more cock-ups which I can mention if this ever goes to court? Wondering what to when 14 days run out - I told them I'd commence court proceedings, plus complain to FOS and FSA. Any advice?

cheers mate, much obliged. very useful stuff!

i did the same think to lloyds tsb, they sent me back what sounds like the same letter and a list of charges on ONE of the accounts - i'd asked for everything they had on both accounts (transactions, phone record transcriptions, the whole lot) - one a credit card account (now closed) and one current account still under dispute. i sent off another letter asking for the request to be properly fulfilled, and since have had 3 letters from a debt collection agency - who i might add have changed their name since the first letter i got, which was dated before i sent my reply off to lloyds. in the letter i had told them to inform the debt collectors they had no right to chase me because the 'debt' was under dispute. i also told lloyds that i would be having no direct communication with the debt collectors, and i wonder if they thought they could fool me with the change of name - it even says on small writing at the bottom of the page that the company was "previously known as..." do they really think we're all that stupid? giving them the 14 days i stated in my letter (even giving them working days and bank holidays) to pull the finger out and to provide data protection act request information before taking next action....anyone out there been in a similar situation?