Egg successes.

[unclebulgaria67]

Suggest that put Egg on warning that you will be submitting a complaint to the ICO for breach of Data Protection rules regarding SAR and that you will also be asking the FOS to look into this. Mark the letter formal complaint and send it to their complaints team. List full details of your complaint. Ask for their final response, so you can immediately go to the FOS.

 

Breaking news. Egg banking has just been put on the market for sale by its owners Citigroup.

[unclebulgaria67]

I don't know where you are getting the 6 years destroy date required under the DPA. Financial services companies will maintain documents for many decades, as they have to do this. For example for Life Assurance, they could have documents held for 50 years plus. For banking accountancy rules, I believe they have to keep certain accounts for more than 10 years.

 

There are many different rules regarding keeping of documents. For what you are looking for, any rules should not affect you or ability of Abbey to provide documents.

[unclebulgaria67]

My experience is that records storage amongst financial services companies is not that efficient. Just make the request and they will provide what they can get hold of.

[unclebulgaria67]

hate to 'break' the party but I'm getting nowhere with egg. v similar situation to you TDS (loan followed by top-up loan creating a part restricted and unrestricted use). Egg just aren't replying or engaging with me at all.

 

Have you thought about getting the FOS involved ?

 

If you have already complained to EGG and 8 weeks have passed, you can go to the FOS now. If no complaint made yet officially in writing, it may be worth doing this.

 

What usually happens it that the FOS will send a copy of your complaint to EGG in this case, asking for their side of the story. EGG will want to avoid the FOS complaint being properly registered, as they will then have to pay the FOS a £500 case fee. It would cost you nothing.

[unclebulgaria67]

Yes this does sound dodgy if you were not given a proper explanation at the time and it was not your choice at the time.

 

I think you should submit the complaint to the FOS and inform EGG that is what you have done. It will be up to FOS, to look into matters of compliance. You don't need expert advice to inform your complaint, as the FOS will look into this on receiving your details. Just keep it simple.

[unclebulgaria67]

The thing to do then, is make a complaint to Egg. Ask them for a full explanation of what they have done and tell them you will asking the FOS to look into the matter.

 

While you are in dispute with Egg via the FOS, they have to stop collection activity. The FOS are on many occasions taking over 2 years to look into complaints.:lol:

 

So YES you should definately continue with this.

Edited August 26, 2010 by unclebulgaria67

[unclebulgaria67]

Sounds ok to me. Slight typo. The reasons are as follows.

 

See what Experian say. I can't see why they can't keep a notice on longer, that you are disputing the accuracy of the information.