PPI Reclaiming discussion Part III

sahra

booi666 wrote: »

Hi,

If your sending of for a sars,then you wont need to send a copy

I was answering a quote from zebedee's post on this:o

Sorry to be thick what is a SARS?

di3004

KJ1983 wrote: »

Hi! Thanks for replying - well I am thinking it must be eight weeks after I received the acknowledgement letter on the 12th January? Or maybe from the date they received my letter. I hope they will pay it back to me.

I will contact the FOS then - using all the helpful tips I have picked up on here :-)

Do you know of many people who Halifax have stalled? I have seen a few people who have had successes with Halifax on this forum - but wasn't sure if that was with a Halifax loan rather than a credit card. x

Good one, and if you require any more help here just yell, as we will be happy to help out as much as we can.;)

I think there has been successes in both loan and CC PPI, when you have a moment or 2 check on the thread next to this one, which is the success & failure thread, you can also post up on there as well if you want to, where others who have had experience with these will be able to tell you of their own experience with these.;)

booi666

sahra wrote: »

Sorry to be thick what is a SARS?

I dont like that word thick!!!!!!!!!!!! No one is:eek:

But a sars is a SUBJECT ACCESS REQUEST LETTER,

Im sure di or pinknico will come along and post one up for you,as im not rete good on this pc millarky:rotfl:

pinknico

I am sure you have other talents Boo.

di3004

sahra wrote: »

Sorry to be thick what is a SARS?

Your not thick.....:eek: , I didn't know what one of these was either ........only the last year or so.;)

An SAR is a Subject Access request, the company has records on your account(s) of you, if you had 3 accounts with them, the information in the SAR sent to you will all be in together.

So basically the copies of application forms etc, any recordings if telephone calls were recorded at all, and so on, I received a useful telephone recording disc with one of mine.....it helped big time.;)

Here is the SAR

SAR - SUBJECT ACCESS REQUEST

Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.

I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours sincerely

booi666

pinknico wrote: »

I am sure you have other talents Boo.

Ill have a think and let you know;)

sahra

Thanks di3004 thats brill:

Apart from the loan, hubby has an account which he no longer uses. At the top of the letter where it asks for account number, do I put the loan reference number and his current account no? Do I have to ask for a SARS?

Thanks again

zebedee70

Daft question - if sending a cheque to pay for a SAR - who d'you make it out to? (In my case, HSBC...)

Cheers

booi666

zebedee70 wrote: »

Daft question - if sending a cheque to pay for a SAR - who d'you make it out to? (In my case, HSBC...)

Cheers

Hi

I made mine out to hfc when asking for my sars to hfc so i would presume you would make it to hsbc:eek:

di3004

sahra wrote: »

Thanks di3004 thats brill:

Apart from the loan, hubby has an account which he no longer uses. At the top of the letter where it asks for account number, do I put the loan reference number and his current account no? Do I have to ask for a SARS?

Thanks again

No problem.;)

What I did forget to say was, if even if you had a joint account, generally and require info on you both the SAR is requested separately where 2 lots of £10 payments would be required, however with one of mine, as long as they had a signature from both on the same SAR letter request they said the £10 cheque or postal order payment will cover for both, so I would contact them to ask them first just to be sure as every company are different.


Yes it does help by adding the account number of the loan on the letter if you have this, they will still send everything they have on you on your account or accounts.

Also just to say when this was taken out, if you was at a different address then, let them know that as well.