i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction letter?

Well the story begins as i signed up to Fitspace Gym in May 2013. i signed up to the 12 month contract as it was cheaper and as a young student in college i didnt have enough to pay for alternative membership monthly. the first instalment was collected on May 26 2013 (£23.99) then commencing 16 June 2013 (£13.99 every 16th day of each month until october 16 2014). the gym was pretty awful and dingy for example none of the weights had an indication what weight they actually were do to wear and tear and all the equipment being so old. Well i paid the dd regularly until the first week of September 2013 in which i cancelled it due to the fact i unexpectedly was offered a place at a university (115+ miles away) and i would not be able to use the gym in my original address due to the obvious distance. Everything seemed to be fine until i returned to my parents address for Christmas from uni and there were 3 letters of one threatening to take me to court for unpaid arrears of £220.83 including a fee for ignoring previous letters. first of them arriving 21st of november 2013 i was shocked and astounded to be threatened in such a way so i called them straight away explaining im a student that has moved across the country and so did not receive all there letters; this occurred in early December, they then told me on the phone it can all be resolved if i send them proof of my migration so i proceeded to email them proof of my living at uni and education in the form of a UCAS acception letter. this is what i wrote in the email on December 16th: "I am a student who lives in uni so i am away from my original address for a very large amount of time so i was shocked to return back to my original address and receive a letter from you (CRS) about money owed to fitspace. I cancelled the direct debit as i got a place at my chosen course in university and there was no fitspace in this city. I have not used fitspace gym since i have left so i have not used anything i didn't pay for. my crs number is xxxxxxx. i called the crs office a few days ago and explained the contract should have been terminated since i moved states, i was told to send proof of this to the crs office. so find forwarded confirmation of my living arrangements in Coventry, UK. I will be very pleased if this issue can be resolved thank you." I was sure this would resolve the issue as a friend of mine was in a similar position in which he responded in showing fitspace his ucas letter. but on 6th of February i received a letter at my university accommodation stating in response to your proof of relocation we received 19th december, we can accept this for cancellation, however we can only accept from the date we received this proof and have reduced your balance accordingly your outstanding balance to get this cancelled is £164.87. please contact us within the next 10 days on 01444449165 to arrange payment by credit/debit etc." it seems as if they have picked a random some of money for me to pay them for cancellation of the contract, further calling them do to the threats and pressure i received on the phone i planned to pay them in settlements but was astounded with mentions of extra payments to pay monthly i was further more told i have until the end April to pay all of the money. but this was said on the phone and due to reading previous blog entries i see that means nothing unless its in writing. i was thinking to completely ignore them as i have again moved house and they do not have a new contact address for me. i am in dyer need of your experience and advice, please find time to reply me as i am panicking and confused on what to do. i feel like i am being cheating as i don't know my rights. does this effect your credit score?