Citifinance SAR

[Dial Square]

Does anyone know if Citi respond to SAR's by recorded delivery? I came home to a post office missed delivery card regarding a recorded delivery letter. Thanks.

[silverfox1961]

Hi

They never did with me. they may have changed their ways (but I doubt it)

 

Hope you're not expecting much from Citi as you won't get it

[Dial Square]

Thanks for the quick response silverfox. I'm not using it to reclaim anything at the moment. It's more to do with them selling an alleged debt on to Cabot. I just can't think what else it would be. Although I am waiting for Cabot to also send proof of this alleged balance so maybe they are sending things by recorded delivery now!

[Dial Square]

Now been delivered and it was their response to my SAR. I wasn't expecting much from them but all they've sent is a basic computer print of my details as at application (not even a copy of an application form) and another sheet headed Customer Service Notes with one comment saying Acct sold to Cabot. This is finished off the infamous "All Customer Service Notes Prior to this Date Purged from System" comment!

They have mentioned in their covering letter that they are unable to locate any statements for this account on record. If they have no statements of account on record, how do they know there was a balance to sell on!

[ims21]

Sounds like a very incomplete sar response to me.

 

"purged from system" eh? Wonder why.

 

In your original sar did you ask them to supply destruction logs giving dates, who authorised and why?

 

Personally, to keep a decent paper trail, I'd write back to them saying their reply is incomplete and that they are in breach of the DPA. Ask for the name of the data controller and say of you don't get a full response to your sar you will be reporting them and their data controller personally to the various authorities and you may also take legal action to force compliance and that you will be asking for damages at the court's discretion.

 

Give them, say, 14 days to comply.

 

ims

[Dial Square]

Hi ims

 

I sent a SAR letter provided by coledog which had an extensive list of the documents I required. I actually settled this account with a full and final in 2007 so the SAR was more of a curiosity thing to see just what they do hold on me. As this was originally an Associates card that goes back to 1997 I really dont think they've got a lot of information including the CCA. This alleged balance has only come to light recently as Cabot have chased for it. I think I'm going to exhaust Citis own complaints procedure in respect of selling on a settled account rather than chase up for more information on the SAR. I didn't have any PPI on it and my main objective us for this account yo he closed in full.

[ims21]

Hi Dial

 

My apologies, I misunderstood. Its just that these banks infuriate me!

 

I guess you have the paperwork for the F&F so just wait for Cabot to prove the debt. See what they come back with and take it from there.

 

ims

[Dial Square]

Thanks ims

 

Sent Cabot the prove ig letter over a month ago. The came back informing me that they were gong to get proof from citi. That was about 4 weeks ago! I have no intention of paying this alleged balance (which is under £250) and I can't see what any DCA can do about it. I'm going to send a formal co plaint to citi anyway as I'm disgusted that they accept these F&Fs and then think they can get away with selling the alleged remaining balance on. Unfortuntely, it was paid over the phone before I had found this site but the fact that the account disappeared from my CRF's at the time and I have not received any notification that a balance remained outstanding since leads my to believe that they won't be pursuing this through the legal system. I'm still none the wiser as to why the sent a totally incomplete SAR by recorded delivery either!