How would I write to them and which address is the Data Controller at Lloyds because I have seen multiple online? Also, would it be worthwhile submitting a SAR?

Hi, Back in 2010 I had a student overdraft with Lloyds TSB and got it extended to £1500 from £1000 thinking it would be extended til the end of September. I got a letter from Lloyds TSB in June/July stating that my overdraft with be expiring in 28 days without a date of the actual expiring date. I rang Lloyds TSB and the person on the phone informed me that the overdraft expires in September. in July I get a letter saying that my overdraft has expired and my account is in arrears and I need to pay the full amount. I rang Lloyds Debt Collection many times but kept getting put on hold and they are only open til 6pm so I would call on my lunch break and when I finally got through to someone they said I could be put on a monthly plan to pay the arrears without any interest but towards the end of the call he said that I would have to pay x amount on top of monthly payment due to interest. This obviously got me annoyed so I asked for them to send me something in writing before I confirm that I will sign up to the monthly repayment plan. The problem is that they could not provide me anything in writing regarding charges and interest which I found stupid. I spoke to a lady in the debt collection department and stated that I was misinformed about my overdraft expiry date so she said she would investigate it. Once they investigated it, she agreeed that I was misinformed but cannot do anything for me and I would still have to pay the arrears and full overdraft which I was ok as I did borrow the money but still she could not provide me anything in writing about my charges and interest on the overdraft. During all these calls back and forth, I hadnt realised that my account was still pending default so I thought forget it, I will get the money off a family member and just pay it before it defaults. I called on the last day to pay my account in full and when I spoke to the woman on the phone, she said my account had already been transferred to a debt collection agency! She said that she couldnt do anything and I should send a letter to the complaints department. I ended up paying the debt and it is now a satisfied default on my credit report. I am now saving to get onto the property ladder which hopefully will be in a couple years but I know this default will affect me getting approved for a mortgage so I was wondering what people could advise me? Sorry for the long winded post but I hope someone could help me getting this removed as I have read different approaches. Thanks Nix

jaris, Did you find a way of fixing this issue because I had the exact same thing happen to me! Instead of my O/D facility being removed, I got sent a letter saying it will expire without an actual date, this was in June. I rang up Lloyds TSB and the agent said it was September and the letter must be a mistake. Anyways, the removed my O/D facility and now I have a default. I am trying to find out what methods people have used to get them removed?