I have another niece who unfortunately has got into trouble
Lloyd bank loan taken out circa 2007
Last payment 2009
SD served on her in person in around October last year, by the time I found out about it, the 18 days had long since passed.
I emailed Lowell's to buy time really, just saying I/she didn't think the SD had been served correctly, and need a bit more info, so intended to submit a SAR, also mentioned she had recently given birth to a prem baby, so tread carefully, and only write.
Lowell's wrote, giving the address to send SAR was them, we duly did that and enclosed t