Angry at MBNA
ScaredWitless
Posts: 157 Forumite
Furious with MBNA. I sent them an SAR along with £10 cheque on the 6th October. I've just phoned them and they said they were not sure what I was asking for and have destroyed the cheque. I told them in the letter I put data protection act 1998 subject access request and listed what I wanted. I turned round and said someone doesn't read letters properly. I think MBNA are mucking me about!! What do I do now as I need the information!? If they still muck me around, where do I go to make a complaint they are witholding information on an SAR!?
I had asked for documenation such as copy of original credit agreement, termination notice, default notice.
I'm wondering if they can't supply which is why they are being awkward.
I had asked for documenation such as copy of original credit agreement, termination notice, default notice.
I'm wondering if they can't supply which is why they are being awkward.
0
Comments
-
Well, I would ask them again, with a brand new cheque.
You're not going to get the information from anyone else.0 -
Deleted_User wrote: »Well, I would ask them again, with a brand new cheque.
You're not going to get the information from anyone else.
So what happens if I ask them again and they still won't answer!?
Whom do I go to to make a complain about not dealing with an SAR!?0 -
They'll answer.
Write a short clear letter. No rambling about what's fair and what's not, or individual bits and pieces. You just want all information.0 -
Deleted_User wrote: »They'll answer.
Write a short clear letter. No rambling about what's fair and what's not, or individual bits and pieces. You just want all information.
Thank you.0 -
Hi ScaredWitless
An organisation has 40 days to comply with a subject access request, if they fail to do so you can complain to the Information Commissioner's Officer (ICO) www.ico.org.uk. Give the confusion you may want to send the letter again, but you could refer to your original request on 6 October and count the 40 days from then.
Susie
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
National_Debtline wrote: »Hi ScaredWitless
An organisation has 40 days to comply with a subject access request, if they fail to do so you can complain to the Information Commissioner's Officer (ICO) www.ico.org.uk. Give the confusion you may want to send the letter again, but you could refer to your original request on 6 October and count the 40 days from then.
Susie
@natdebtline
Thank you.
So what can the ICO actually do if they still don't comply!?0 -
ScaredWitless wrote: »Furious with MBNA. I sent them an SAR along with £10 cheque on the 6th October. I've just phoned them and they said they were not sure what I was asking for and have destroyed the cheque. I told them in the letter I put data protection act 1998 subject access request and listed what I wanted. I turned round and said someone doesn't read letters properly. I think MBNA are mucking me about!! What do I do now as I need the information!? If they still muck me around, where do I go to make a complaint they are witholding information on an SAR!?
I had asked for documenation such as copy of original credit agreement, termination notice, default notice.
I'm wondering if they can't supply which is why they are being awkward.
SAR is about the correspondence they have for you. You can request a copy of the Credit agreement and pay £1 for that. Items like defaults tend to be generated from templates, so not sure the SAR is best for that.0 -
SAR is about the correspondence they have for you. You can request a copy of the Credit agreement and pay £1 for that. Items like defaults tend to be generated from templates, so not sure the SAR is best for that.
The document I am really keen for is the default notice, termination notice, and deed of assignment. I know under the pelias construction case lord denning said the debtor was entitled to see it.0 -
ScaredWitless wrote: »Thank you.
So what can the ICO actually do if they still don't comply!?
Hi again Scared Witless
The ICO is an independent organisation set up to uphold information rights. They suggest that if the information has not been provided within 40 days that you send a follow up letter. You will find a sample letter on their website here https://ico.org.uk/for-the-public/personal-information/.
If MBNA still don't provide the information then you need to contact the ICO and explain the situation. Their role is to work with you to make sure that you can get what you're entitled to. They will be able to tell you what your next steps are.
Susie
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
This discussion has been closed.
Categories
- All Categories
- 343K Banking & Borrowing
- 250K Reduce Debt & Boost Income
- 449.6K Spending & Discounts
- 235.1K Work, Benefits & Business
- 607.7K Mortgages, Homes & Bills
- 173K Life & Family
- 247.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards