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    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Payment Protection Cover


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Hi Buster, welcome to CAG.

 

I'll move your thread into the Payment Protection Insurance Forum.....

 

....Hold on tight! :D

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You should get the advice that you need, here.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

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Thanks Rooster, Sorry I should have looked harder. :)

 

--------------------------------------------------

 

I hope somebody can help me with this. I have had a Lloyds TSB credit card for a number of years now and I've been paying for Payment protection cover. The problem is, when I signed up for the card and PPC I was claiming (and still am) Incapacity Benefit and taking painkillers, which made me get confused easily.

Now, last week Lloyds sent me a letter and a PPC policy document. The letter said that as of the 1 April 2009, there would be some changes to the policy. When I was looking through the booklet, I found a section called 'Are you eligible for this policy' and found that I'm not because I claim Incapacity Benefit!

The bank knew my circumstances and what I was claiming at the time I took out the card + PPC and nothing has changed. Would I be able to claim back the money I've been paying over the years? The policy was obviously miss-sold.

I’m no longer on the painkillers but they’ve caused quite a bit of damage as I still get confused and I find it hard to take-in and retain information.

Can anybody offer any advice on what to do?

Thanks,

Paul

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Hiya Buster,

 

Welcome to the PPI forum im also on incapacity benefit and have a claim with the CO-OP Bank for just under £29,000 on 9 loans ive had over a 15 yr period my claim is now in the hands of the FOS as we reached deadlock.

 

Now your first step is to arm yourself with all the information first to do this you will need to send an S.A.R letter to LloydsTSB.

 

This will get you copies of all statements,credit agreement telephone recordings notes on file etc.

 

I will post a link to a template letter below as this is a request under the data protection act it will take 40+2 days they are allowed this time to do a search it will also cost you £10 as that is a statutory fee they can charge legally.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html

 

Ok that's the link above just edit to suit your needs send it off recorded delivery enclosing the fee and get a postal receipt.

 

Mark on a calender the day you sent it and work out the day you should get a reply by.

 

If you need to know anything else regarding this just post here and someone will be along.

 

Regards

 

Pompeyfaith

  • Haha 1

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Oh the address you need to use is :

 

Lloyds TSB Bank PLC

Compliance Dept.

Mountbatten House

Military Road

Chatham

ME4 4JF

 

Tel: 01634 834 207

Also try: 01634 829 222

 

Address the letter to the data controller

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi Pompeyfaith,

 

Many thanks for your help and advice! I'll get the letter sorted now and get it sent off first thing Monday.

 

I see from your sig that you have a few battles going on at the moment, I wish you the very best of luck with them.

 

Thanks again,

Paul

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Hiya Buster i do indeed although im only working on two of them at the moment the co-op which is with the financial ombudsman service and MBNA which is in court for trial in 2 weeks the others have not been harassing me so they can wait while i deal with these two.

 

Anyway good luck soon as you get the info post here then we will take it a stage further for you.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 3 months later...

Hey, I didn't get around to posting off my S.A.R until the 12th May due to ill health, and they received it on the 16th May, as there was a re-direct set up on the address above.

 

Has anybody that’s sent off a S.A.R to Lloyds TSB had his or her credit card denied? Over the past few days I’ve tried using mine but it keeps getting refused, which has never happened before. :confused:

 

EDIT: Forgot to ask, should I cancel the PPC now or wait?

Edited by Buster78
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Hiya Buster,

 

Sorry to hear about your illness i hope you feel better now.

 

Right so you need to count down 40 days from the 16th May then as to you card denial I am unable to answer that question as I've never been a LloydsTSB customer but I suggest you go to the Lloyds forum and ask that question in there.

 

Link below to Lloyds Forum

 

Lloyds Bank - The Consumer Forums

 

You can indeed cancel the PPC now as that will reduce your bill each month.

 

I would cancel it via a letter though as Ive found in the past telephone instructions do not always get carried though.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Thanks PF,

 

I’ve marked it off on the calendar and also set the date as an alarm on my phone in case I forget. I have a feeling this is going to be a very long and difficult battle with them.

 

Thanks for the link; I’ll check out the Lloyds forum in a second. I just thought it were a little strange as it had never happened before.

 

As for the ppc, I’ll send a recorded letter off tomorrow to cancel it.

 

Thanks again for all your help.

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Hey, I didn't get around to posting off my S.A.R until the 12th May due to ill health, and they received it on the 16th May, as there was a re-direct set up on the address above.

 

Has anybody that’s sent off a S.A.R to Lloyds TSB had his or her credit card denied? Over the past few days I’ve tried using mine but it keeps getting refused, which has never happened before. :confused:

EDIT: Forgot to ask, should I cancel the PPC now or wait? (If you are not covered by Lloyds TSB I would cancel it. You can get cheaper PPI cover elsewhere if you need it and probably without a load of exclusions)

 

If they have put a stop on your card use because you are reclaiming PPI this goes against the OFT guidelines and you should make a complaint to say you are being penalised for trying to claim back mis-sold PPI.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi Alan, thanks for your reply. It was my fault, I logged in to my bank account yesterday and noticed they’d updated my statement and charged a £12 late payment. I didn’t check my paper statement last month as I always pay the same amount, which is well over my minimum payment, but this month that had risen for some reason and I paid £5 under the min :roll:. They’ve taken my previous statements offline though, not sure if that has anything to do with it.

Edited by Buster78
removed text formatting
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  • 1 month later...

Hi guys,

I’ve just received a large package with my SAR details. The cover note says they are still waiting on some information from the card services dept, which will be forwarded ASAP.

It also says ‘ The majority of contracts we hold between the Bank and our customers are not held in relevant filing systems and are therefore not subject to the right of subject under the Data Protection act.’ It goes on to say ‘ Your entitlement under the Act is to your personal data rather than photocopies of all documents.’ Surly all data they hold on me, irrespective of what filing system they are in is covered?

Anyway, I think I have what I need. I’ve taken a quick look through all the paper work and found a ‘Classic direct acceptance form and agreement’ for my credit card. I do not remember ever seeing this document before and all the info that is supposed to be filled out by me (name, address, DOB, annual income etc) isn’t my handwriting, my signature is there thought but the date next to it isn’t my handwriting either . The interesting thing is, the No box next to the do you want payment protection cover is ticked!

So I didn’t request the PPC but they added it on anyway. Can anybody tell me what I need to do now?

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get claiming!

use the ppi calculator

 

well done

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hey dx100uk,

Thanks for your reply. Sorry to be a pain, can you point me in the right direction for the ppi calculator? Is it the sticky ‘Download PPI Calculator HERE (Single Premium PPI)’? I’ve looked at that but it’s for loans and I can’t make head nor tail of it.

I’ve gone through the statements they’ve sent me but they only start on the 19th May 03 and the agreement was ‘signed’ on the 26th October 02. From the statements I have, I’ve worked out the total ppi paid. Are there any letter templates I can use to send my claim to Lloyds?

Thanks for any help you can offer.

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Hello buster,

 

see if there is anything useful in here...

 

Interest calculation spreadsheets

 

from this library

 

Bank Templates Library

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thanks Alan, I’ve started editing the simple excel spreadsheet.

Can I just check that I’m doing it correctly? The default entries are for bank charges, do I simply enter each month’s ppi charge into the list and get an 8% APR interest amount for each month? And, is it 8% I should be asking for, as I’ve been reading some threads and all the talk about compound, statutory and contractual interest has got my head spinning.

Thanks again,

Paul

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You will need to make contact with Pompeyfaith on spreadsheet issues. He is very helpful.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Cheers Alan, I’ve finished the spreadsheet but I’ll leave it out for now, as I still don’t have all the statements.

 

I’ve wrote a letter, can somebody check it over for me before I sent it?

 

--------------------------------------------------------------------------------

EDIT: Letter removed

Edited by Buster78
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Letter makes the point IMO. PPI not wanted, obviously mis-sold, due to pre existing medical conditions sums it up nicely as a mis-sold PPI policy. I would however emphasise the point that a failure by them to refund on the claim made so far will result in a very serious formal complain to the FOS, OFT, ICO, FSA, BBA to point out the very nature of what they have been doing on the issue of mis-selling of PPI in the knowledge it was not suitable to the consumer.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Alan you’re a star, I can’t thank you enough for all your help.

 

I’ve done as you suggested and a little more, this is what I have so far…

 

-------------------------------------------------------------------------------------------

 

 

 

Would it be going to far to include the Serious Fraud Office to the list :rolleyes:? I can spend a week writing a letter and only think something vital after sending, so any comments welcome.

Edited by Buster78
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Would it be going to far to include the Serious Fraud Office to the list :rolleyes:? I can spend a week writing a letter and only think something vital after sending, so any comments welcome.

 

I would think yes (A serious fraud office too far) in this instance.

 

If you get time have a look through my thread and you could perhaps pick up a few tips on the complaints letter issues.

 

***RBS PPI Claim Long fight but, WON*** - The Consumer Forums

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi Alan, Thanks again for replying. I’ve been working my way through your thread for a while now (have to take it slowly so it sinks in). Anyway, my printer has gone on strike so I’ll probably have read the whole thread before I can get the letter sent. I’ll keep working on it and post back once I’ve sent it and had a reply from Lloyds.

 

Regards.

 

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