I've responded to the FOS using the card they put in with their judgement asking them to carry on their investigations. I presume this will come to nothing. I've given up on the ICO. I'll start readying the small claims court forms in the meantime.

Ford, good tip. They've only got a mobile number for me and I use some software on my Nokia called MobiGenie (it's a free app I downloaded somewhere) with a number blacklist which automatically rejects their calls without the phone ringing. I can see them still trying as the numbers appear in the recently called list every once in a while. This doesn't bother me too much and I like to know how often they try at least.

In preparation for court action as described in http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html I complained to the Information Comissioner's Office and the Financial Ombudsman Service. In typical "official body" impotent style the ICO have my complaint "on record" and the FOS wrote back simply saying that they have considered my case and have come to the conclusion "Lloyds TSB is not required to compensate Mr X". Lloyds TSB continue to call me and I get letters from their DCAs but strangely less regularly than I used to. Before I go through with the above small claims court action is there anything else I can try?

Good plan!

That's what I thought which is why I've not been paying and not been writing back to them. They're continually calling me though which is tiresome (although I have blocked their number with a blacklist app for my phone) and I can't seem to make progress. Does this have to be done in their timescales? I think I'll send the letter as then at least I'll have responded to them. I'll remind them that the time limit in their DN was wrong too.

EDIT: didn't see your responses on p.3 before I wrote this! Sorry.

Is it 14 days or 14 working days the time they must give to respond? Is this in a section of the CCA? EDIT: Section 87 of the CCA states 7 days to respond to the breach. Do you recommend I send the letter I drafted and simply wait for them to terminate the account and take me to court?

I'm afraid I don't know what postal service it was sent by as I filed the letter directly and didn't keep the envelope.

This is the response I intend to send Lloyds TSB:

Thanks for your reply. I don't have a scanner so I took a photo with a camera phone and redacted the personal information. Apologies for the poor quality. Their letter was dated November 20th. I have been working abroad since November 19th so I have only this weekend opened this letter. I have started drafting a letter which I will post up shortly.

HELP!! Whilst patiently waiting for Lloyds to fully comply with the section 78, completely respond to my SAR and putting up with the constant harassment from their collections centre (up to 3 calls a day between 7am and 10pm) they've gone and issued me with a default! I desperately need to get this wrapped up as they're in the process of ruining me as I attempt to do the right thing. Please will somebody help me with a next step?

How long should I wait? They've had their 40 days to respond to the SAR. I don't want to wait indefinitely for something that may never show up. I'm really unhappy they've not complied fully with the Data Protection Act request and it feels like a delaying tactic to me.

It's still not over! I've not been the best at keeping on top of things and Lloyds have not been very speedy at getting back to me. Anyway, I sent them a SAR (the one linked above) to them and they responded to me last week (within the statutory 40 days). The file of stuff they sent includes: A cover letter. A script of info on phonecalls and actions on the account "Memoline translation". Presumably this is a printout from their account records software. It includes notes from 2005 when the card was an Accucard and 2006 onwards when it was Lloyds. Copies of the letters I have sent them requesting the CCA and the SAR etc. A full set of printed statements (Accucard and Lloyds) from when the account was opened until September 2009. The covering letter states that: "...I am still awaiting further information from our Card Services Department. This will be sent out in due course, if anything is received. Please accept my apologies for the delay." The packet does not include signed CCAs or application. Moreover, in the notes from the Memoline Translation an action in response to my section 78 request says: "Super response sent to card holder, no copy application execute agreement only." (my emphasis) This note was just prior to the time they sent the photocopies of the Lloyds TSB application form and T&Cs (June 2009). I hope this note means that they do not have a copy of the application and would render the credit agreement non-enforceable in a court. What's the advice for a next step to get this closed off. I've been on this since March and I just need a final push to get it sorted. Please help! Thanks all!

They sent an unsigned Lloyds TSB application form and their terms and conditions. I wrote back saying I didn't think they complied due to the fact I'd applied to Accucard not Lloyds TSB. I received a reply to this on 24th June saying they'd get back to be, presumably with an Accucard application, within 28 days. I'll try sending them a SAR. I'm using a letter I found here; can you tell me if this is the right one?

In response to the above, I received another letter dated 24th June saying they'd respond within 28 days. They're still adding interest and charges to my account and I am now, according to them, >200 over my credit limit. I spoke to many departments today to try and prevent the charges and interest but got nowhere. I crumbled and paid my arrears amount to prevent them at least from entering a default on my credit record. They claimed that I had a complaint rather than a dispute so they were not obliged to stop charges and interest. They also didn't seem to understand the concept of them being in default to me. Their lack of responsiveness and continual harassment are wearing me down. I am loath to start making payments again whilst they sort out my account. The different departments have different views of my account and none of them are able to see the whole picture. The right hand really doesn't know what the left is doing! What can I do to move the process on? Please help!