Thank you for your replies. I would like copy bank statements ( old ones ) , when i got into arrears they stopped sending me statements , an so l lost track of what the level of arrears was, it later turned out that one account was cleared in full (an the payments were being used to clear arrears on the other natwest accounts however no one told me this , the DMP co. didnt tell me either. I just want to ensure I am getting all the data I am entitled to for bank accounts & credit cards am more concerned with bank accounts really.

Dear All, I DSAR'd natwest at Bishopsgate address they have taken over 40 days to reply, what happens now? For credit card info they sent on to another location, For bank account info they sent over info in separate packages. They are saying they can only go back 6 years!!! What are my options I thought they have to reply in 40 days to DSAR's. I thought for bank accounts they can go back more than 6 years? Can anyone advise. Thanks Zul

Hi, Please advise. It has been 40 days now and Natwest has not responded to our dsar (sar) request. What should be our next course of action? Thank you. Z

I have had obscure responses like this , an this may be a delaying tactic

Can someone tell me where to send DSAR letter to Bank of Ireland? I need their physical address please. Thank you.

fletch70: at moment no one is chasing as it all on dmp so should i stop paying ( take out of dmp ) before 12+2 an putting in dispute or after? I am assuming they will start the chasing again although maybe the dispute is like a complaint where 8 weeks for them to respond? Obviously I also know that a judges decision in my favour is the ultimate 'win'. Brigadier: yes I can understand the debt remains payable an hopefuly many will also be reclaimable. The balance of probabilities for most people is the comfort factor I know most lenders will push hard to not give in but how many will go in front of a judge for a credit card that has been sold on? interesting question I think.

Fletch70 Ok thanks for sharing your situ an explaining, yes I can CCA them and if UE then what ? I think a few have lost their licence to trade new biz, (make new loans), Many of them have been sold on as I often recieve notification letters on them being sold on ( I know they get sold on for fraction of the debt amount 20-30% i think)

DX100uk Thank you for replying and to answer your questions , from the SAR's I feel that 2 can go successfully for PPI (although the DMP co. says 7 are worth putting through) & 3 to 4 have charges claimable back however I am finding it difficult to track their interest fees an charges as they not really laid out in the SAR's recieved. Fletch70 : Yes I will want to look very diligently at enforcability and reclaiming charges and yes your right the charities will not be of any help. Desparate Daniella: Yes I know who NDL are , they tried to help an referred me to another organisation who also helped somewhat, but there service levels dropped quite severly along with CAB so I was really left with no choice but to go to a Fee Paying DMP and TBH for the approx cost of £1 pcm /creditor in addition to the approx 2 pcm /creditor with my existing fee paying DMC I am happy for the amount of time they save me an their reliable an consistent quality of service (unlike some of the free options where service varies). With this many I feel it to be essential that someone picks up the phone when I needed them. I do want to save £ on monthly payments in medium/longer term to reduce my outgoings an get out of this position now I have more detail on each creditor and a little more time (and things well organised now) my plan is to take 1 or 2 creditors away from the DMP for me to DIY every 3 to 4 months ( I am in no hurry ). Repaying the £ BAL is not a option for me, I have seen the underhand distressing and abusive tactics I have had to endure by many of these organisations.my ultimate goal is to get these cleared (win's) although the balance needs to be there in time / effort spent an outcome. I can split these off as per thread and get some assistance in getting them out to individual threads, educating myself is really important as well and I really appreciate all the feedback on this forum so far I will also give back an will ultimately want to give back much more than I use.As my mission is a challenging one and I am sure by sharing will benefit many others. Z.

IF they send you statements, has anyone been able to get capital one to send all their statements ?

an interesting point with the phone calls / harassment , my experience is that they still call when they like sometimes , I always write them back an state communication is writing only ( not phone) , they often ignore , then I raise a complaint , then they 8 weeks later say they are complying with regulations , what is OFCOM doing an OFT about all this harassment with phone calls? in the end I brought a Trucall unit as recommended by other posters on here , it helps a lot! One way out is when they call to change number on file to one digit out , but there must be a better way out there.

I wrote to capital one an they sent me ok , although it took 2 attempts to get. Good luck.

thanks for your replies , capital one as far as i know there is no DCA on that. here is full list notepad++ is application best to view this I tried to paste info here but it loses the layout. [ATTACH]43580[/ATTACH] Z.

Thanks for your responses it is becoming clearer now what I need to do. dx where shall I list all the debts? here? or different or new thread? Z.

Ok I understand what you are saying , if they DO NOT SEND credit agreement (in the SAR ) then I should CCA them . -- Ok I understand it now the entries are all in the CRA's so nothing has dropped off yet (another 3 years to go on that) now the DMP issue i have is with over 20 creditors if i just turn it off i will get flooded with letters and calls an do not have time to deal with them all at once, luckily I can tell DMP to stop one by one 1) when should I stop paying a creditor? 2) ( when they cannot provide signed agreement is that it ? ) - if they did not provide signed agreement I then do a CCA an then 3) if they do not provide do i then stop paying ? thanks for responses so far Z.

In addition to my last post , and reading this cca request is this the same agreement that will come within the SAR what is the reason for going again an doing the CCA? (an asking for the them just to send the same agreement again? ) Ensure all my debts show where? do you mean on the CRA file? it appears that they are all there in the CRA file , what benefit is this to having them SHOW? I really need more info or a link or a phrase to search on. really it is not clear right now. Z.

No I have not CCA'd all my creditors I can do that next I just am not clear if it is something I should just go an do or have to do anything else first? I have read the CCA template letter N , I notice more recently from doing the SAR's that many organisations no longer sign to acknoledge delivery of the letter (registered), even after phoning some will not acknoledge should I be sending these special delivery? , It would be nice is there was a thread that showed all the steps. Z.

dx thanks for your reply the dmp suited me an my situation at the time an was fee paying , although i cannot fault them they have helped me a lot. how old - approx 8 years when taken out - 2005 last payment - april 2013 is it on your CRa file? - yes inc default info date defaulted - 2010 Brigadier thanks foryour reply also, The Cap 1 credit card ''recon'' agreement what does this consists of please? - they have sent me 2 copies each is slightly different, both have the first page of credit agreement identical is signed by them an I then page 2 with rate an small print , on the other copy has 5 pages of small print , then current agreement with 6 pages of small print Did you specifically ask for all statements? If you did then challenge the company to produce ALL statements from the inception of the account, write to the data controller about this. - I requested all statements in the SAR request an made a point of requesting the credit card statements ( as many previous sars to other creditors have not sent statement copies also). I can go in more detail but woud prefer to pm / not go public with exact dates.

Hello and I am posting for the first time on here , although I have been following for a while. I have over 20 cards and loans I went through awful phone haressment for many months, now on DMP , everything has now been SAR'd. I have all my files back from the various finance organisations. I brought a trucall unit recently from the help of this forum I now need to take it to the next level can someone please guide me to where I need to go , currently all unsecured is with DMP, an secured I did all myself. Some of the SAR's show me that some lenders did not send all statement copies (some did) some sent statement entries but omitted all charges an interest. an some did not send copy of signed agreement, one sent a reconstituted copy of agreement. Note none are recent First I will start with is capital one credit card from the sar returned (has a re constituted agreement ), they did not send statement copies but send a print out of entries (omitting interest ) I did look for credit card section but could not find it Any help would be welcome.