They already have such schemes for businesses that use large amounts of electricity, but I don't think it is right to push it onto households as they have no other options for their supply.

Well the SAR is in the post. Will let you know as/when I here anything back.

With the SAR, Should I just put my current address? or should I include the address I was living at, at the time I had the account and/or addresses since?

Something to keep me busy for a little while today The last letter is from Red saying they have a copy of my credit file and will be passing the details onto Hamptons Legal.

Hi CitizenB, I can't remember if there was a default notice or a formal demand. Probably was, but at the Time I kind of just binned anything from Lloyds once things got bad. Wish I knew what I did now :/ Would it be worth sending a SAR to Lloyds? Also anything I can do to keep Lowell at bay while I try to find out more information/details?

Wow, Wasn't expecting such a quick reply at this time of the morning Off the top of my head it was mid/late 2008 that things got really bad and I gave up with Lloyds and went elsewhere. According to Experian the default date is 02/2009

Hi All, Just looking for a bit of advice on what route to take. I have recently started receiving letters from Lowell/Red Debt Collection Services referring to a debt with Lloyds for ~£850 which they have bought from Lloyds. I think this is from an old current account that I used to have. I believe a large part of the amount they are asking for is from bank charges as at the time I left Lloyds I had lost my job and was going though a bad patch. Lloyds were less then helpful at the time so I just walked away and buried my head in the sand (Know better now). Don't really have any paper work left from Lloyds as a lot of it was binned over the years of moving. Any suggestions as to what route to take? as I believe this can't be challenged under CCA and I could do without the worry again.