Sar request findings

homealone_2

after a lengthy battle with lloyds telling them i would not give them my signature and them agreeing to send all details to nearest branch i have today received a copy of all statements going back to june 3003. after many calls to different departments who all say i have to get in touch with their collections department in moobai (sorry spelling). they knew nothing as usual and just read out the same paragraph they alaways read when you ask them something different from their memorised speech. got back to card services in england where a woman who had been in same position was willing to give me more information than she should, she said no other info had been ordered which the sar requested. she said she would order copy of sig which is held on microfiche and i should have it in a few days as for the rest of information i requested she could not help. i wondered why the statements arrived only went back 6 years and reason being that was when account went to platinum stage i assumed it was same account yet upgrarde but apparently not. the old one was a mastercard and so i should have 2 sigs for both card applications but all she could order was the recent one. she knew some changes had happened last monday regarding no longer 6 month review offered after reduced payments but knew no details. she was able to confirm that as i was told on 8 april all charges and interest did stop but she did not know what the next department was that i am now supposed to waiting to hear fom??? what is my next move?? is it worth sending follow up letter or speak direct to woman who was dealing with request on tuesday??? this is just getting so complicated!!! all i want is to set up a plan where i am not destitute after i dont want to go to court and all these calls and letters are just making me so ill....what next???

rog2

I can see how frustrating it is for you, ha. The use of Asian call centres is nothing more than a cost cutting measure by the banks (and other financial institutions) and is not an excuse for an even poorer level of service than you have been used to, or are entitled to.

When calling about a particular account, or problem, the person at the other end of the phone, regardless of their geographical location, should be able to deal with your request or, at the very least, be able to put you through to somebody who can - there simply is no excuse for the level of service that you are experiencing. Lloyds should hang their head in shame. :mad: :mad:

Now - you say that you made a SAR request to Lloyds and have, finally, received back the last six years of statements. Did you receive anything else? You are entitled to all information that they hold on you, and if they have not provided everything you asked for, then it is probable that they have not fully complied with your SAR.

If this is, indeed, the case, then you should talk with the Information Commissioner's Office - www.ico.gov.uk/Global/contact_us.aspx

With reference to the 'six years' they are, unfortunately, only legally obliged to provide statements for the last six years. You may, of course, request additional statements, but there could be a charge for this (assuming that they still have records going back further than six years).

I'm not too sure about your next move - how long ago did you submit the SAR?

Certainly you would need, and are legally entitled to receive, confirmation of the telephone call, where it was agreed that interest would be frozen.

Perhaps you would be best advised to talk with one of the Debt Counselling Charities, such as:

• National Debtline - www.nationaldetline.co.uk/ tel. 0808 808 4000
• CCCS - www.cccs.co.uk/ tel 0800 138 1111
• A Debt Adviser at your local CAB

Any of the above will be able to give you advice on how best to negociate lower payment terms.

Equally, on the NDL website, you will find template letters that you can use to request lower monthly payments.

homealone_2

rog2 wrote: »

I can see how frustrating it is for you, ha. The use of Asian call centres is nothing more than a cost cutting measure by the banks (and other financial institutions) and is not an excuse for an even poorer level of service than you have been used to, or are entitled to.

When calling about a particular account, or problem, the person at the other end of the phone, regardless of their geographical location, should be able to deal with your request or, at the very least, be able to put you through to somebody who can - there simply is no excuse for the level of service that you are experiencing. Lloyds should hang their head in shame. :mad: :mad:

Now - you say that you made a SAR request to Lloyds and have, finally, received back the last six years of statements. Did you receive anything else? You are entitled to all information that they hold on you, and if they have not provided everything you asked for, then it is probable that they have not fully complied with your SAR.

If this is, indeed, the case, then you should talk with the Information Commissioner's Office - www.ico.gov.uk/Global/contact_us.aspx

With reference to the 'six years' they are, unfortunately, only legally obliged to provide statements for the last six years. You may, of course, request additional statements, but there could be a charge for this (assuming that they still have records going back further than six years).

I'm not too sure about your next move - how long ago did you submit the SAR?

Certainly you would need, and are legally entitled to receive, confirmation of the telephone call, where it was agreed that interest would be frozen.


Perhaps you would be best advised to talk with one of the Debt Counselling Charities, such as:

• National Debtline - www.nationaldetline.co.uk/ tel. 0808 808 4000
• CCCS - www.cccs.co.uk/ tel 0800 138 1111
• A Debt Adviser at your local CAB

Any of the above will be able to give you advice on how best to negociate lower payment terms.

Equally, on the NDL website, you will find template letters that you can use to request lower monthly payments.

firstly, yes, the statements were all that were sent, i have found the name and number of the woman who was dealing with the request and made such a fuss about needing my signature before sending anything out, and then sent it out! so i will ask her if this is all that is coming and ask for the rest, especially the signature, been already asked for today but two requests may mean i ge it? if not i will contact the office you suggested. i will also ask for written confirmation of my interest and further charges being frozen but can imagine she will say no. i will also try and get out of her what team exactly have i now been passed on to, equally doubt i will get any response there either. either way besides the conversation i have i am going to also send one of the letters available to offer lower payments recorded delivery as this seems the only way they reply. i do not wish to go through the various help agencies as we did not seem to agree as to my next best step for me. i will update with whatever i find out on tuesday.
i am finding that i have now compiled a folder full of letters, budgets, etc this whole process is similar to being at work withouth the lunch breaks lol