Do you Have to be very specific when requesting a SAR?

[dx100uk]

send them an sar

[dx100uk]

real question is

WHY do you need this info?

 

dx

 

[dx100uk]

PPI reclaims are over pointless

 

dx

 

[dx100uk]

just type no need to hit quote

or change fonts

 

have you already have a ppi complaint registered with each of the firms?

[dx100uk]

various threads merged to one topic.

[dx100uk]

surely if these are all paid off there is no credit agreement in force anymore so the act CCA no longer applies?

thus CCA request would be pointless?

 

I've found in the past [with lloyds] when an sar was done for someone..

agreements for closed and paid off accounts were included in the sar [as they formed part of his data]

there were 2 others still active, they didn't include those and needed a CCA request each, then we got them.

 

 

[dx100uk]

wasting £1 per CCA request IMHO. as they are not now applicable..but what the heck for £1??

 

pers I think what you did was send an sar that specifically let the cat out the bag it was for PPI purposes...

 

should have just said you wanted all records ever held regarding you and your dealing with xxx bank for you own personal record keeping.

 

[dx100uk]

goto the FOS with what?

 

ICO maybe but if you read the rambling threads by user crighten

there aren't any enforceable 'rules' that state a creditor must hold/provide data outside of 6yrs since accounts end.

though we know most do.

 

as long as you've made a ppi claim with each lender even if to date its not progressed your foot is in the door.

an sar request is not a ppi misspelling complain.

 

it might be far better to now take a step back and review each claim to date.

you have 6mts before you might need to progress things to the FOS, but progress what at present is unknown..

certainly wont be a complaint regarding the failure to supply information ...not their problem.

 

take each lender

use cag to research if its known they do hold such info and better know where to send the sar too

as repeated sar's, with differing specifics are pointless.

 

as an example

HSBC has a semi secret data storage facility address a recent sar to them got a guys details resulting in a successful claim.

 

 

 

 

 

 

[dx100uk]

https://www.consumeractiongroup.co.uk/profile/86217-craigten/content/?type=forums_topic&change_section=1

[dx100uk]

read their hsbc thread

[dx100uk]

use the FCA register and search for each lender.

either find a specific address for the data controller or dept

or

send it to their head office.