Sub Prime Credit Thread Part II

never-in-doubt

sutton111 wrote: »

It was Chicken and Roasted Vegetables and jacket potatoes. lol

Well just expand on your S.A.R's really!!

Can you post the template please.

I PM'd you - reply to that and I will email it you!

nuggat! LOL

sutton111

never-in-doubt wrote: »

I PM'd you - reply to that and I will email it you!

nuggat! LOL

I've had no PM.

clio

N-I- D Aye we had a fair few players from LU lol...
So commitments as in " other credit cards" you mean.
Some on 0 % still. Some empty balances [ just waiting for repeats]
would that be bad looking matey!!

Is the ammount you have available [unused] liable to be a problem.

never-in-doubt

The Compliance Officer
Experian Ltd
Consumer Help Service
PO Box 9000
Nottingham
NG80 7WP

Name
Address 1
Address 2
Address 3
Post Code

Date Here

Dear Experian,

SUBJECT ACCESS REQUEST (SAR) UNDER DATA PROTECTION ACT 1998

Please send me all data that your company holds relating to me, my address or person. This is to include details of every company, individual and organisation with whom you have shared data about me for the last 6 years, also including my current most up-to-date credit report.

Where you have shared data about me with other parties, I require that you supply me with true copies of documents that show that you have done so in a lawful manner and with my written & signed consent. Where your company holds and processes data for purposes of my credit file & credit report, I require that you provide documents to show that the data held is current, accurate and relevant.

Under the terms of the Data Protection Act 1998, you are obliged to send all data that you hold on file for the past 6 years. However, if you hold data beyond 6 years, under the above act, you must supply it on demand, I am demanding it if it is available. If you no longer hold data beyond 6 years, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal.

All data, including data held on microfiche or other such storage systems must be provided within a reasonable timescale, a maximum of 40 days is allowed in line with the ICO guidelines and I do expect your response within this timeframe. I enclose the statutory fee of £10.

For reference, my previous addresses spanning back the 6 years are as follows:

PREVIOUS ADDRESSES GO HERE

Yours faithfully,




Sign digitally
Name Here

never-in-doubt

clio wrote: »

N-I- D Aye we had a fair few players from LU lol...
So commitments as in " other credit cards" you mean.
Some on 0 % still. Some empty balances [ just waiting for repeats]
would that be bad looking matey!!

Is the ammount you have available [unused] liable to be a problem.

Yes mate - they assess total available credit, even dormant accounts (you could not use it for a year and then when things get tough you could order a card and spend on it) so banks are toughening up a bit.

Best to try and see how you get on, if your file is decent then go for a proper card with high limit like Tesco/Virgin/MBNA/Post Office/Bank of Ireland

never-in-doubt

sorry mate just tidied up the template letter so start again if you already copied it!

remember to send ID (a copy of passpost or summat is good plus one original bill such as a bank statement) and a tenner..... they have 40 days from date of receipt to comply.

clio

Liar liar pants on fire - you had jam and bread be honest, with a cup of tea from a tea bag you used 3 times allready today

never-in-doubt

sutton111 wrote: »

I've had no PM.

Just resent the same PM..... lol

sutton111

never-in-doubt wrote: »

Just resent the same PM..... lol

I replied to that before. Lol

clio

I have tesco/virgin allready. And egg money.

So they look at your limits allready, they look at how much you have spent on cards allready,
they look at how much you earn and decide your debt outways your earning am i right..