Santander & Egg

vindicated

Hey Folks,

I sent letters to Santander (most incompetent bank ive ever dealt with) ages ago.

They replied saying no PPI etc etc - this was fair enough but I then detailed that they hadnt investigated the cards i had with GE Capital whom they took over.

Anyway they came back and said "We cant find any details, do you have statements?" Sadly i do not, and they seem to have dropped of my credit report.

My question...Will a SAR to Santander reveal the details...or can I SAR GE Capital or are they completely gone?!

Also, Egg were swallowed up by Barclaycard...They have also said that they only took live accounts over so if they cannot get details from Egg then they cant do anything.

So again, is it worth sending a SAR to Egg?! Im assuming they arent completely defunct as Barclays said in their letter that they need to get the info from Egg.

Any help would be appreciated!

amersall

You could try a SAR for each,Santander and Egg,not sure about Ge capital,maybe someone who knows if these are ongoing can help you.

dunstonh

If the account was closed before it was transferred to Santander, then chances are they were never sent the details over. This is very common with providers that are bought out. Santander do take the liability but without any documentation they can reject it unless you provide documentation.

vindicated

dunstonh wrote: »

If the account was closed before it was transferred to Santander, then chances are they were never sent the details over. This is very common with providers that are bought out. Santander do take the liability but without any documentation they can reject it unless you provide documentation.

Hmm so how would I go about obtaining documentation? Surely there must be safeguards in situations like this?

dunstonh

Hmm so how would I go about obtaining documentation?

You dont. Its game over in most cases.

Surely there must be safeguards in situations like this?

The safeguards put in place to protect the consumer under the data protection act by forcing companies to destroy data that they no longer need to hold on to is your problem. The account was closed. There is no reason to hold on to data.

The general principle in law is that he who asserts a wrong has been committed must prove it. So, the onus is on you. Whilst short term periods and some areas where there is legal liability will see documents held onto where the consumer can use them to help (or hinder) their case, it does get harder the further back in time you go to rely on that.

There is no law or FSA requirement for firms to hold on to data for a minimum period.

vindicated

Just another query, GE Money are stating they cant locate any accounts however I had several with them - HBOS managed to provide statements for nearly 10 years ago on closed credit cards....so are GE trying to avoid providing copies incase of a PPI claim?!

Is it worth paying £10 for a SAR?!

Cheers

amersall

I would do the Sar you may get all info you need or you may not, but at least you will have tried.

dunstonh

HBOS managed to provide statements for nearly 10 years ago on closed credit cards....so are GE trying to avoid providing copies incase of a PPI claim?!

Some firms hold on to documentation longer than others. The FSA say 6 years but some hold on for 10 years or longer. So, its up to the firm.

A DSAR will verify it.