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Showing results for tags 'sar'.
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I have an old catalogue debt that I am planning to SAR but there is a discrepancy between the balance at default and the balance that was passed to debt collection agency. I have it in writing from the collection agency that this is not something they have done, they have not added any interest etc on to my account and I have all the statements from them which clearly show this. So I was wondering if I should edit the SAR letter slightly to ask what the difference with the balances is? Or will that be evident in what they send for the SAR anyway? My current balance is less than this difference so if I can find out what this is and claim it back it will be one debt cleared!
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Statements Data Protection Team (Statements) Chatham RCSC Kent ME4 4RT Credit Card Agreements Senior Customer Advisor Customer Management Retail Operations, Business Services 2nd Floor, Thanet Grange Southend On Sea SS0 0EJ Loan Agreements - have received response Lending 6 RPO 4th Floor 1 Hardman Boulevard Manchester M3 3AQ thanks to timid80
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My mums partner sent a SAR to DVLA as his licence was suspended due to a 'high' CDT reading - they suggested that he was alcohol dependant'! He is not and only has a drink at weekends and not to excess. He has been having an annual medical for the last 3 years due to having temporary suspension of licence due to a blackout (alcohol was involved at the time but long story so please don't judge). When the details of the SAR were returned it was only details of his latest application and medical report, nothing from previous medicals or any of his blood test results at all. Are they obliged to release this information or can they hide behind some legislation. Thanks
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Hi everyone I'm in the process of sorting out all my old debts, and I've just sent Natwest bank a SAR (well 2 actually) relating to two accounts that appear on my credit files shown in default state from 3-4 years back. I just had a call from a person within their data protection team asking me to clarufi what I was aslking for in my SAR. I told them everything they help about me at Natwest relating to those two accounts! He then said I need to go into a branch to ID myself, because the address on my correspondence they didn't have on any of their systems! Never had this before with a SAR! Are they meant to be calling me? Anyone else had this problem as above? Advice? Cheers
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Hi I wonder if anyone can advise, will try and keep it as short as possible. We have sent a SAR to the NHS for my son, NHS being difficult to say the least as the consultant basically does not like us as they breached the DPA 3 times and we put in a complaint and they accepted liability. We sent a SAR and we have received a letter back, basically stating we cannot have anything. We requested everything held on my sons file, his school had to complete some questionnaires to which we would like to see what they have said. Below is the paragraph from the letter which states we cannot have these questionnaires I must advise that we will not be disclosing any information sent to DR XXXX by either XXXX School or XXX school unless the questionnaires were completed by our staff from our organisation. They know the school completed them as thats why they sent them to the school in the first place. Can the NHS withhold these questionnaires? We also know the ED Psychologist has sent several emails to the consultant to which we have asked for copies again they have refused. Below is the paragraph. XXX Health and Care trust is not the provider organisation responsible for the provision of Educational Psychology Services, this means we are unable to assist you with data. All the above information we require is held on our sons medical file at the NHS. Can the NHS refuse to give us this information.
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DX suggested I create separate threads for two PPI claims - this is the first for Blackhorse. I received a response to my SAR within a week of sending the SAR. I can't really work out what I'm seeing in the documents PDF attached. I've tried to be very careful to remove all identifying stuff from the documents before uploading. It seems I took out a HP Agreement for a car and PPI was added and that I paid this for 9 months and then the HP agreement was converted into a standard loan with Blackhorse / Lloyds. I'd be grateful if anyone who understands these agreements can take a look - there are some alarming figures. For example, the original price of the car was £14995. I paid a deposit of £4100 and with PPI, charges for credit etc the price was back up over £20k I'm not even sure this loan was properly constructed. It's all paid off now but I want to make sure if there is anything I should be claiming, in addition to the PPI in the first 9 months that I'm not missing something. The statements in the attached PDF do not show the first payments but they were made. I think I seem to have paid 62 payments instead of 60. Any advice would be gratefully received.
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In simple terms this is 1 of my 3 accounts, its literally used for a couple of direct debits that I want to keep separate. Having second thoughts considering I keep missing them. I had a direct debit come out this morning which I had forgotten about, checked my bank and it had been paid so I thought best transfer enough in so i'd not go overdrawn which I did. And being extremely cynical of banks I take screenshots of everything just incase. Interestingly I just checked back and that same direct debit has now been bounced and if you have a look at my screenshots from lunch time today and this evening you will see that they prized the bounced dd between the dd and the credits. Naturally i'm extremely anoyed about this and you can bet that if i'd not of credited the account they'd of paid it and charged an od fee. I will be charged £25 for this so naturally if I can get around this i'd like to. I should add that there is no charge for being less that £10 overdrawn and they do not charge for being overdrawn if you are bank before 3.30 that working day. Any ideas much appreciated. Screens Lunch : http://i1017.photobucket.com/albums/af299/badgercraig/Dirt/before.jpg Just now: http://i1017.photobucket.com/albums/af299/badgercraig/Dirt/after.jpg
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I have taken a new job and in an area where O2 have no service. Contacted O2 for advice to be told my phone was out of contract and I was told this on three separate occasions. Based on that I looked for a supplier who covered the area, found one signed up for a contract with them and contacted O2 for a PAC code at this point I was told I still had a year left on the contract, I mentioned my previous conversations to be told they made a mistake I have now been sent a termination invoice. I am reluctant to pay this as I went to another supplier based on the fact they told me my contract had expired and if they made the mistake why should I pay for that. Is there an O2 rep here?
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Anyone have an up to date address for Endeavour. Thanks. -
Hi, I wonder if I could have some advice on the following. I checked my credit report for the first time in a while today, and notice that Lowell has added a default, dated 04/01/2011, for a small debt which is 'mail order'. Looking at the account start date of 2001, this is clearly a Littlewoods account which I stopped paying back in about 2006/7 when I got into significant financial difficulty and it ceased to be a priority debt. I've not paid or acknowledged the debt in this time, and it's almost certainly a) mostly made up of charges and b) statute barred or almost statute barred. I have received letters about this debt but have ignored then due to assuming they were phishing on a statute barred debt. Any advice on how I go about finding out why/how the default is there and how I get it removed, please? -
Hi Everyone, I am determined to go for the jugular with these 2 clowns, namely MBNA and Moorgate. I would love you good people to let me know if what I am contemplating is the correct thing to do and give your valued opinions and advice. On 6th May 2006 I took out fixed term/fixed repayment loan with MBNA via Virgin Money. The amount borrowed was £3000 and the repayments were £69.75 per month for 60 months. This was via direct debit. In about July I asked MBNA to take the direct debit out on the 1st day of the month like all my others instead of when ever they decided. This did not happen and when that months payment was taken in the last week of the month there wasn’t enough funds. This is the only month that the funds were refused all other payments were on time. I must admit I forgot about the payments until I received a letter from MBNA in August 2011 informing me that my loan was ending and that the final payment of £248.59 would be taken out via direct debit on 6th September 2011. This was payment for the arrears, I phoned them up (I know!!) and told the girl there was no way I could pay all that, she was very helpful and told me to cancel the direct debit and make different arrangements to pay the amount over the next few months, so I cancelled the direct debit. This got me thinking and I thought stuff it, you’ve screwed me enough and I promptly forgot about it all. On 5/2/2012 a letter arrived from MBNA informing me that the current arrangement was due to end on 31/3/2012 and that a final payment of £0.00 would come out. On 20/2/2012 a further letter arrived from MBNA and in the same envelope was a letter from Moorgate. MBNA informed me that a letter was enclosed from Moorgate stating that my loan account was being transferred to AOF 2 Sarl as the loan had been purchased. The Moorgate letter gave a new account number stated that the terms and conditions remained the same and as from 16/3/2012 Moorgate will collect any direct debits. Various letters followed and on 11/4/2012 there was an amount of £392 quoted. Then came the incident that made my blood boil. After numerous letters I collected all the MBNA stuff I had determined to check it all out, these included bank statements of which June 2012 was the latest. Looking at June’s I saw a direct debit for £69.75 to AOF2. I phoned the bank and discovered that for 3 month Moorgate had been taking unauthorised funds from my account. I went ballistic received a refund and made sure the direct debit was cancelled. At the same time I looked at the MBNA papers and its unbelievable they have been helping themselves each month to whatever funds they deemed necessary between these amounts £69.75, £94.75 and £84.80. Of the 2 only statements there are extra charges of £25 for a default sum and interest of £23.74 each month. Also when I got copies of my CR files only Experian showed the loan with AOF2 as the owner a default date of 31/1/2012, default balance is £462 and current balance is £253. Unbelievably agreed payments of £69 over 72 months are quoted. The file also shows changes to the loan period on 4/12 it was 60, on 6/12 it went to 70 and on 7/12 it went to 71. I am spitting feathers to say the least especially when a letter from Moorgate arrived thanking me for requesting a direct debit instruction and asking me to complete it. I am toying with the idea of phoning them to come out so I can chase the toads up the street with my crossbow, seriously though I was planning on doing the following;- Sending a CCA request to Moorgate, then, Sending a SAR to MBNA so that I can start to get the charges etc back. Is this the correct action to take? Would you mention in the CCA request to Moorgate about the unauthorised deductions from my account? Thanks and sorry for the long tale of woe….
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OK guys, here we go. Made redundant from work in october 2000, long story short all my creditors went default before I got back into work. RBS particularly harsh, really dragged their heels concerning my PPI claim etc. When my personal loan and royalties account overfdraft went default, I got battered for charges. Been paying them back since may 2001, never missed a payment, always made the increases when asked. Over the years I've received letters from their CMS in telford and another company (whose name escapes me but I will dig it out) who appear to be a DCA acting on their behalf. Payments always made on time into my account at my local branch, using my account number and sort code. 2 months ago CMS telford wrote to me with instruction to now pay into a different account number and sort code. Have recently received another letter from CMS telford asking for an increase in payments that I just cannot meet. Not particularly scared about this as they simply cannot have what I haven't got. Question is, can I S.A.R - (Subject Access Request) them and claim back anything? -
Hmmm - Quickquid said via email, when asked for info on my previous loans; "Please forward your request along with your cheque for £10.00 ( the cost of the copies requested, per loan or extension)" Per loan or extension? Surely that's not correct? I have sent £10 for everything... Anyone had similar?
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Brief summary/history Other half's card. Commenced 1998, defaulted 2006 with interest frozen from that date. Default card balance was £6,500 - progressively paid/reduced to just under £5,000. PPI claim made October 2012 - initially refused but upheld by the FOS on adjudication. March 2014 NatWest credited £4,664 to the card, leaving a balance of £323. By my own (spreadsheet) calculations the payment should have been some £1450 more than they paid. Their payment was arrived at as follows: Refund of payment made 1998 to 2006 £2334.14 Compound interest based on rates charged £ 712.36 Sub total £3056.50 Gross interest at 8% £2010.43 Less income tax at 20% £ 402.09 Net interest £1608.34 Net offer £4664.84 It is their compound interest figure that I cannot agree with. During the 8 year life of the card, monthly interest rates varied between 1.385% and 1.620%. The average card balance was about £3200. My calculations show the compound interest figure to be about £2077 rather than their figure of £712. This would also increase the 8% gross interest amount due by about £1000. I reckon we want about another £2500 from them (before tax) I have written to them several times asking for a breakdown of their compound interest figure and have been stonewalled each time. They say they cannot provide these (complicated) calculations but that they are in line with the FOS and FCA guidelines. Their last reply even went so far as to 'explain' to me how compound interest works. I can scarcely believe the content of it. Here is the relevant paragraph from their letter: As a basic look at the compound interest aspect, if you compared the monthly balance of the credit card with and without PPI and the difference was £20, then the interest element would be determined from this figure. If the monthly interest rate was 1% and 12% per annum, this would mean that the starting figure for the compound interest is 20p (1% of £20.00) if your card then ran for 5 years, the compound interest on this PPI premium would accumulate as follows, year 1 = 22p, year 2 = 25p, year 3 = 28p, year 4 = 31p, year 5 = 35p. Therefore the total amount difference in balance of £20.00 in this example would be 35p. So, this 'expert' from RBS thinks the compound interest would be 35p. Well, I calculate it to be £16.33. She seems to have worked it out at 1% per annum rather than 1% per month. (I am not a mathematician so if I have got this completely wrong and she is right, please, someone, tell me I am making a numpty of myself). So, ladies and gentlemen of CAG, where do I go next with this shower? Suggestions and comments most welcome, thanks. -
If a credit card account is in arrears and PPI claim is up-held by bank, do they offset all of refund against arrears ? Will this also include the net 8% statutory amount or will that be mine ? I have tried looking on FOS website for some clarification for this circumstance but I cannot find anything ? Thank-you -
I recently discovered that in 2011 O2 put a default on my Equifax credit file for £9. O2 have just responded to my SAR request with various records. In these records is a charge to an old account in February 2007 for £7.18 that they wrote off in March 2011. There is no information or letters concerning the default placed on my credit file. Should there not a be a record in the SAR of O2 writing to me concerning the default?
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Hi Guy's, Today I took receipt of a letter from Barclays saying that they thank me for my request etc. Tomorrow is the final day of the 40 days to receive the information back! They are now asking me to provide details of which branch i would like to visit and provide id documents etc (while they collate the information) I have already sent them a copy of my utility bill, my council tax bill etc - can they request this? More importantly they have failed to get me the documents within the 40 days. Thanks, Flappy
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Hi everyone, My wife have accounts with Barcalys which were opened in the early 90s. Apart from recent statements, she does not have any other paper works. There are definitely charges and possibly PPI but we need proof before making any complaint. We made a SAR request in Feb 2015 and a LBA went out three weeks ago (April) giving them 7 days but they have not bothered to respond at all yet both letters were signed for. I now want to get a court order for them to comply but I am not sure of how to go about. Which form do I use? How much will it cost? Any example/template of such an order? Any other thing I should know or add to the order? Any help is welcome. Thanks -
Last year, HMRC (quite rightly) sent demands to me stating that I needed to complete tax returns going back to 2008/9 and 2009/10. These were completed (by my accountant). One of these years showed a loss of c£20,000. The returns were submitted to HMRC, along with other more recent tax returns. HMRC then notified me that these specific returns for the years mentioned above, are 'time barred', and cannot be used to calculate tax owing. They consequently hit me with a £26,000 tax bill. All the advice I read at the time, and HMRC's own advice by telephone, suggested that I should make a payment arrangement first, argue the toss second - which is what I did. I subsequently set up a payment arrangement of £500 per month, which I could afford at the time. I subsequently sent to HMRC a SAR, to include transcripts of all telephone conversations, in order that I could determine what they'd told me - with a view to compelling them to take into account the loss on my accounts of £20,000. On 11 May, I received an email from them to confirm receipt of the SAR, pointing out that they had 40 days with which to comply with the SAR. Needless to say, 40 days expired on 20 June 2015, and nothing has been heard from HMRC. So I can't challenge the debt as I evidence upon which I might rely is being withheld. My financial circumstances have now changed to the extent that I can no longer afford £500 per month - on a debt that I can't challenge. SOOOOOO.....What options do I have? 1. How can I hold HMRC responsible for not complying with their legal requirement under the DP ACT to respond to the SAR within 40 days? 2. Can / should I stop the repayment based on 1. above? 3. Regardless of 1 and 2 above, I can no longer afford £500pm..... Any advice and guidance would be much appreciated.
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Hi Guys, I'm glad i came across this site. I've been doing some in depth reading regarding the process to have an SAR carried out on various lenders etc. In the past I've had the following: Black Horse Loan (2002ish) Applied for my PPI back and told they couldn't find account (now they've been fined 110+ million i'm sure they'l be more helpful Halifax Bank Account BOS Bank Account Birmingham Midhsires Mortgage. I guess my question is can i just send a single SAR to Lloyds banking group HQ (now that they own all these subsiduaries) or will I have to make one to the individual companies within the group. -
Hello all, Thanks in advance for having a look at my post. I've been abroad since finishing university in 2004, while my loan was taken out in 1999 making it a new style loan. No contact was made by either side (i did not tell them I was moving abroad nor gave any info about my work life) until march this year when my old UK address received a letter asking for income info. I sent a reply stating I am abroad and working and an SAR to boot. 2 months later no reply. I am about to sent the "no reply to SAR within 40 days" letter but I'm worried about follow up. I no longer have an official UK address, will this hamper me going through the county courts? What can I expect to gain by doing so over data protection? I hope I've been clear General advice would also be most welcome! Thank you, dale -
Hi all. A very good friend of mine has had to resign from his job at the local council department (planning) due to the extreme stress he was put under. He raised this isuue many times with the department running up to his resignation but they did not offer any help at all. My question is if he were to send them an SAR, would this cover internal memos/emails about him? If so, please can someone help tailor one to cover this as I only have a standard SAR letter for bank charges era from years ago. Thank you in advance for any help offered, Buel10 -
Hi friends, I tried to search but most of the template letters are designed towards claiming single payment PPI, especially, for fresh cases. Mine on the other hand were monthly payments and they were stopped by Barclays in 2005. Why? Because, I claimed back some of the money Barclays had been charging me in the name of their Additions fee that I had never opted for. This probably prompted them to also stop my PPI immediately. And yes, I did not know what PPI was all about at that time. Now, I wish to take up claiming back the PPI Bacrlays charged me over a period of 9 years (since 1996 to 2005) My questions .. 1. Can one claim back the PPI they regularly paid some time ago in the past? 2. Do I need to first ask for my policy details, or should I simply write to them that this has come to my notice and was a mis-sale. 3. Is there a template on this site for the first letter I should be sending to the bank? Help me. please Hugs Autumn -
Hi all again, Been awhile since I've been on here, hospitals don't have the best of wifi's. Anyway I sent Natwest a SAR for my dad so we can have a look at doing his package account. They sent back a letter not long after asking what information he wanted. I'll upload the letter so everyone can see. I'm not sure what to post back. I used the SAR from the library. Thanks Andrew
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Hi all. I'm having problems with Canada square operations about a SAR request for an egg card (which will turn into a PPI claim). The only problem is they keep requesting more information about my previous address (which I have given them time and time again but they're still saying its not enough). It sounds to me like they're just using delaying/stalling tactics in the hope that I will just give up. Is there any way I can 'persuade' them more? I've already tried the ICO who were about as much help as a chocolate teapot...
