letter from Frederickson Intl ltd-Arrow global

rnb_3

Data Subject Access Request....in basic parlance means them supplying details of what they hold on u in their files...details of everything, from statements to phone calls to docs/letters sent out, etc, etc.(not necessarily the actual docs tho) needs a £10 postal order enclosed and should be sent to the original creditors regstd address (easily found from google).

heres a pretty concise example:

DATA SUBJECT ACCESS REQUEST

Section 7, Data Protection Act 1998

This request for personal data is made under Section 7 of the Data Protection Act 1998

Subject name :
Subject address :




Subject home telephone :
Subject mobile telephone :



Please supply the information specified below.


Part A - Data Not Specifically Relating to Any Account

1.Copies of requests for data or information made to any third party, together with the date the request was made. If you have not made any such requests then please state explicitly that you haven't.
2.Copies of any data or information received from any third party whether requested or not, together with the date the data or information was received. If you have not received any such data or information then please state explicitly that you haven't.
3.Copies of requests for data or information received from any third party, together with the date the request was received. If you have not received any such requests then please state explicitly that you haven't.
4.Copies of any data or information provided to any third party whether requested or not, and the reason for doing so, together with the date the data or information was provided. If you have not provided any such data or information then please state explicitly that you haven't.
5.Copies of any data, information and/or assessments you have recorded about my character, financial status, personal circumstances or other aspect of my relationship with you. If you have not recorded any such data or information then please state explicitly that you haven't.
6.Please explain whether you have a duty of care to me in administering my accounts, and if so the extent to which it applies and your view on whether you have carried this out. If you do not have a duty of care please explain why not.
7.Please advise whether you have a duty of care to anyone other than myself in administering my accounts. If you do please explain who, and the nature and extent of that duty. Please explain if such duty overrides the duty of care to myself.
8.You claim to conform to the . While conformance with the code is entirely voluntary and non-compliance bears no sanction I would nevertheless like you to explain how your treatment of me conforms to the provisions of the Banking Code which, inter alia, specify that you will treat customers 'sympathetically and fairly' and deal ‘promptly’ with cases of financial difficulty.
9.Any other information relating to myself.





Part B - Data Relating to the Following Accounts

This section requests data or information specifically relating to each of these accounts -

Current Account :
Loan Account :
Credit Card Account :

1.A copy of all applications and/or agreements relating to the account. If you do not have these then please state explicitly that you haven't.
2.A complete list of all transactions for the account together with explanations of any internal codes used to identify the nature of the transactions.
3.A schedule showing all the interest rates applied to the account and the date they were effective from.
4.A copy of all notices issued by you together with proof of service. These should include notices of default, assignment, changes to the Terms and Conditions relating to account but this request is not limited to these. If you have not issued any notices then please state explicitly that you haven't. If you are unable to supply copies of any notices then, for each such notice, please explain why.
5.A log of all telephone calls between us. Such log should at the very least include the date, time and duration of the call and all notes made as a result of the call (if not included in 9. below), and any actions taken following the call. For those calls initiated by yourselves the number to which the call was made and the purpose of the call should also be included.
6.Transcripts of all telephone conversations between us. If you are unable to supply these then please explain why.
7.Copies of all correspondence between us.
8.Copies of all file notes, memos and/or annotations for the account, whatever the cause. If you are unable to supply these then please explain why. If any of these resulted in, or were made as a result of, manual intervention on the account please highlight accordingly.
9.A list of third parties to whom you have disclosed data relating to the account, details of the data you have disclosed and your reasons for doing so. If you have not disclosed any such data then please say so explicitly.
10.A copy of the notice of fair use of my data as required by the above-referenced Act.
11.The logic involved in automated decisions pursuant to section 7(1) (d) of the above-referenced Act.
12.Any other information relating to the account.



Note : for the avoidance of doubt 'third parties' in both parts A. and B. above include (but is not limited to) credit refernce agencies, regulatory authorities, banks and other financial institutions.


I enclose the statutory maximum fee of £10. This request is being sent by recorded delivery and the Act specifies that you have 40 days from receipt in which to comply. Failure to comply fully within the required timescale will automatically result in a formal complaint to the Information Commissioner without further notice.

Yours Faithfully

(either use diff signature or print. some will return it if not signed in some form)

nicplymstock

Hello
thanks for this- very useful information! It is much appreciated.

This problem relates to a bank account- but I don't have an account number etc because I don't have any statements etc.
Would I just send part A in a letter to HSBC?
thanks

rnb_3

does the threat letter letter u have recvd not show any account numbers? your recent letter shud throw at least that up but if it doesnt, have u any other way of getting them, old statements somewhere, try the bank themselves even? dont worry about it being a bank account, they will simply write back saying they dont hold, or need to hold, an agreement due to the exemptions of running account credit blah blah blah.
the main things u are looking for are charges and when and how this debt was sold, along with the correct default/termination procedures i think. the charges will be on the statements, the sale and def/term procedures should be detailed on their comp records, along with what they sent and when.

nicplymstock

Hi
the letters they have sent have a reference letter (i.e their ref number) no details of my HSBC account. As you mentioned, I have sent the prove it letter asking for all the details, but I suspect they won't do anything with that.

If I send the data subject access request with a postal order to HSBC will they respond? Or does it need to go to fredericksons do you think?
thanks

rnb_3

HSBC or Arrow, the original creditor or the now owner, not the monkeys in between, this is a direct data request not a request for info outside of that organisation. try n find out urself via HSBC but if they cant even provide an account to which this debt refers, they are in going to struggle.

nicplymstock

HSBC are the original creditor- no idea who Arrow is- it just says it on the letter from FI.
Is the aim of the SAR to find out when the account was passed on to the DCA?
And is it really so that if it ever went to court, to show I have acted methodically and properly?
sorry for so many questions

rnb_3

dont worry abt the questions, im not making it clear enuff.
SAR is to get the info u need to tell them to b***er off. i think that will be charges over and above the value of the claim if im honest. the other point is their rightful ownership and the production of the documentation to prove such. there are other things but these are the most prominent in my thinking.
sorry i thought it was Arrow that now owned it?

nicplymstock

Hello
On the letter from FI, it says 'Our Client: Arrow Global ltd.
who they are I do not know- I have never had any dealings with them

rnb_3

yes they have bought the debt from HSBC by the looks of it. they should have told u via a Notice of Assignment that they now do so and tell u what it is in relation to. if they have not acted correctly, they will find it very very diff to enforce this.

nicplymstock

Hi
well I sent the 'prove it' letter off asking for details- I doubt that I will get any proof of statements etc. If they do not reply to that letter, should I do the SAR thing, or shall I just wait and see what happens?