On the FSA website BLS are not part of Lloyds. I have now asked the FSA to investigate and will do a formal claim. I have also been advised that dont admit to anything - ask for proof - never acknowledge BLS but ask for proof of loan agreements. Remember banks only keep info for 6 years. Without proof they wont win any court cases. Also I asked BLS for copy letters they said they sent - apparently their facility isnt big enough to keep all letters!