S.A.R request Idem servicing

Graham2704

Hi I would like some help on the SAR request I have just recieved back from Idem.



Sar Letter
This SAR was kindly supplied by Incipience.

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST

Date: xx:xx:xxxx

Dear Sir/Madam
Name xxxxxxxxxxxx
Account No’sXXXXXXXXXXXXXXXXXX


I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts

I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation:
Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.
A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation.
Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account.
Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents.

I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection.

I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Your Faithfully.


I have recieved toda a reply to the request and have

1) recieved a copy of the original agreement
2) A stetement of the account
3)A list of recipients to the information commissioner
4) A list of 3 credit ref agencies
5) 2 2 fraud agencies

I have a recieved No other information and a letter saying whether certain information disclosed depends on whether it is "personal data "and how it is stored therefore dose no fall into ambent so section 7 of the act .

They wont provide details of any commission paid Any underwriting sheet or record,settlement quotation valuation report or corrispondence held by them on paper as they dont fall into section 7 of the act
they provide transaction history (statement)

Basicaly i have nothing of importance that i can look at i have recieved no phone call history or any personal data I used to get 5/7 calls a week from idem

Could anyone shed some light on what i should recieve and should i write back saying the request has not been fulfilled. I have already complained to the financial ombudsman who is looking into the account should i send this letter with the complaint or should i write to the ICO.

I originally took the loan out with Picture finance back in 2005 they aparently sold it to Idem servicing 23/09/2011 who then whacked £4,421 of interest at trandsfer on the top do i need to send Picture an SAR request as I rang them and they said Idem are now dealing with the account.

Any advice would be greatful

rizla_king

Give the ICO helpline a call on Monday. 0303 123 1113. They should be able to tell you whether they are allowed to miss out what they have.

Graham2704

Thanks for the reply I will do that monday.

chanz4

I agree with this part,
They wont provide details of any commission paid Any underwriting sheet or record,settlement quotation valuation report or corrispondence held by them on paper as they dont fall into section 7 of the act
they provide transaction history (statement)

reasons are that it is commercially sensative, inregards to calls that if they have them that far back some only keep for 3 months

Graham2704

Thanks Chanz4

When people ask for SAR's surely there must be more information than just a statement of the account and a copy of the original agreement it seems like they have something to hide by not supplying anything ?? .Is there anything else you can request.

chanz4

depends what they have, remeber if something contains others data this can be obmitted

Graham2704

Thanks for the reply.

The SAR is about a joint loan with my wife I sent 2x £10 payments to cover myself and my wife and we both signed the request.

I have recieved 1 of the cheques back as it is in respect of each account not individual persons. I will have to ask why I can't have personal data.

chanz4

because personal data relating to a 3rd party isnt yours, and without that persons permission it cant be released. Can I write to your boss and ask for copys of your wage slip..

Graham2704

With having no joy at the SAR request I still have no information about myself which I think they must have I contacted the regulator and she said any other information that was about 3rd party people should be blanked out but they must still provide you with all information on yourself.

Having just complained about the loan to the F/O and getting 4000+ of interest taken off and 12 months 0% interest should I leave chasing up any more information and rocking the boat again ???