Im sending letter 3 off tomorrow to Lloyds and just picked up my post from the mail forwarder. In it was a reply to letter 1 from Lloyds in an envelope with no return address addressed to my old address from last year despite them having my new one.
I guess its the usual crap but i'll put it up anyway for info. Any comments would be appreciated also
"I write regarding your letter to Eric Daniels dated xxxx concerning the above agreement.
I am advised by our legal department that, under English law we are under no obligation to provide you with either the information or the documentation you request. In these circumstances, I will not reply specifically to matters point by point. This is not and cannot be construed as acceptance of the terms you have suggested.
We consider that our agreement with you is valid. Under the terms of that agreement, to which you agreed, you are obliged to make the monthly payments. If you do not do so, we may have no option but to instruct our solicitors to issue proceedings to enforce the agreement.
Given the contents of your letter, i am concerned that you may be obtaining advice as to your legal rights from a third party or internet web site. If followed, it is entirely possible that this will cause you to breach the terms of your agreement.
You may have, for example, received misleading advice based on a purported procedure under the Bills of Exchange Act 1882 ("the Act"). If this is the case and you intend to rely on any such advice, please note that your agreement or any request for payment under that agreement is not a bill of exchange. Further, your request for documentation is incapable in English Law of creating a liability by the bank and will not become a valid bill of exchange. Finally, the Act does not give any authority to any person, other than the courts, to make an award against us. Any award purportedly created by anything other than the court has no validity in English Law. If in error the Court makes an order permitting the enforcement of such an award, we will apply to set aside the award and the order and also ask the court to make the person who applied the order to enforce, responsible for the costs of our application to be set aside.
Should you intend following the above course, we recommend that you seek independant advice.
Please treat this as our final decision on the matter."
PS Eric says do you want to buy any cheap LTSB shares on the QT?
It seems theyve gone into it a bit or is it just standard? Anyway, letter 3 goes tomorrow. As theyve ignored my notice of a new address from last June im sending the letter back "Return to Sender" ( after taking a copy). Is this an OK course of action?
Cheers!
Are you living in fear of Banks and Debt Collectors letters and phone calls? Do you worry about Bailiffs visiting your home? 
