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Baileywoos v Lloyds


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I'm just starting to sort out a claim against Lloyds for a business account and a credit card (seperate accounts).

I sent a SAR letter to both and recieved a letter back for the business account but nothing for the credit card (both had £10 postal orders attatched).

The letter re the business account stated that they couldn't send me the statements as I didn't know any account details as it was an account closed about 4 years ago. I was in the process of writing a stroppy letter but the debt collection company we're paying this debt off to came up trumps, rang Lloyds for me and got the details I needed. Yay! I have now re-sent the letter and am waiting.

Question1: When do I make the claim from? The date I sent the first SAR, this 2nd SAR or when I recieve the statements?

Question2: The account was held in England but I've now moved to Scotland. Can I still make this claim through English courts to benefit from the higher amount and more time?


I have also sent a letter off re the credit card(which is also being paid off through another DCA) as I have heard nothing after 40 days and have not had the postal order returned.

Question1: How long do I give them? I've demanded a response in 2 weeks as they've already had the 40 days.

Question2: Can I insist that they should be able to find our credit card details with the personal information we have given them? (Also don't know this account number)


Finally, if I can get statements going back further than 6 years as I have requested, should I attempt to reclaim the charges going back tot he start of our account?


Thanks for any advice.

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