S.A.R Halifax

[lra]

Hi all

 

I went into my local branch yesterday and now have account numbers and RINI numbers ( PPI) for a loan, credit card and mortgage. Could some nice person please post an up to date SAR letter that I can send to Halifax. There's one on here from 2006 is that still ok to use? I would also like the correct address please. The lady I spoke to in the branch gave me a number to call but I would like to see the information for myself also she had never heard of a SAR

[ims21]

SAR template here...just amend to suit.

 

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

Halifax Regsitered Office

 

The Mound, Edinburgh EH1 1YZ.

 

Send recorded or at least by some trackable method so that you know they receive it

[lra]

That's brill, thanks ims21, so do I put a line through my signature?

[ims21]

If you wish

[lra]

Can some nice person please check the information below. This was information found on an old mortgage statement.

 

Date Description Credit Debits

19/08/03 Halifax direct debit 192.81

19/08/03 Insurance 21.5

19/08/03 Insurance 277.04

19/09/03 Halifax direct debit 192.81

19/09/03 Insurance 23.09

19/10/03 Halifax direct debit 192.81

19/10/03 Insurance 23.09

19/11/03 Halifax direct debit 192.81

19/11/03 Insurance 23.09

19/12/03 Halifax direct debit 217.46

19/12/03 Insurance 23.09

19/01/04 Halifax direct debit 217.46

19/01/04 Insurance 23.09

19/01/04 Interest 1463.54

19/02/04 Halifax direct debit 217.46

19/02/04 Insurance 23.09

19/03/04 Halifax direct debit 222.27

19/03/04 Insurance 23.09

19/04/04 Halifax direct debit 222.27

19/04/04 Insurance 23.09

19/05/04 Halifax direct debit 222.27

19/05/04 Insurance 23.09

19/06/04 Halifax direct debit 226.73

19/06/04 Insurance 23.09

19/07/04 Halifax direct debit 231.83

19/07/04 Insurance 23.09

 

 

This was a tracker mortgage

Repay mortgage on a capital and interest basis

Mortgage charged using daily interest method

 

 

Your contractual payment will continue to be £256.97

Monthly Mortgage payment £231.83

Monthly Insurance Instalment £25.14

 

Date Description £

31/01/04 Year end Balance 36842.3

31/07/04 Month End Balance 36284.2

 

 

Interest rates

Type loan type no Interest rate

Tracker FTB206 5.5

Variable HVR001 6.5

[ims21]

What would you like checked please?

[lra]

Interest added to mortgage and insurance?

[ims21]

Very difficult to say from the information you have given....probably need more statements.

 

Interest for six months looks like it may be about right but can't be sure.

 

What is the insurance? PPI or something else?

[lra]

To be honest I'm not sure, will have to wait for the SAR, the lady in the branch did say that I had payment cover on it but it may be the house insurance, just can't work out what the interest should have been on just the mortgage.

[lra]

My SAR is now 3 weeks late, received a letter saying I would have it by the date that I stated but still waiting, the phone number on the letter doesn't exist. What do I do now?

[ims21]

If their 40 days for compliance is up then issue a 14 day Letter Before Action.

 

Failure to comply with a SAR is actionable in the small claims court where you would seek and order for compliance plus damages at the court's discretion.

[lra]

Thanks Ims, have you a letter to hand

[ims21]

All you need is something along the lines of

 

Dear Sirs

 

I refer to my Subject Access Request dated [xxxxx] and made under S7 of the the Data Protection Act 1988 which was received by you on [xxxxxx].

 

You have failed to comply with your obligations under the act and this letter is to put you on 14 days notice of court action to seek an order for compliance together with damages.

 

If I don not receive all of my data within 14 days I shall issue a claim in the county court without further recourse to yourselves.

 

Yours faithfully,

 

 

Head it "Letter Before Action" and send it to the Data Controller at the registered office.

 

Only threaten court of you intend to go through with it.