Data Protection

cakie174

Hi, maybe someone can advise.

I have written to Santander requesting what personal information they have disclosed on me to CRA and they have refused stating that I need to ask them.

I can't see how his is legal under personal data protection act?

Cakie

nottoolate

just check your reports. it will all be on there

The_Boss

nottoolate wrote: »

just check your reports. it will all be on there

OP does make an interesting point though. Assume it is because they are the appointed data handler.

I've previously wondered why you can't just make an FOI request to Experian for your data, unless that is what you are effectively doing for the £2 statutory charge.

nottoolate

The_Boss wrote: »

I've previously wondered why you can't just make an FOI request to Experian for your data

you mean a SAR. Not FOI.

The_Boss wrote: »

unless that is what you are effectively doing for the £2 statutory charge.

yes, you are doing a limited SAR when you request your credit files, as per section 9 of the dpa rather than section 7

http://www.legislation.gov.uk/ukpga/1998/29/section/9

The_Boss

See, it really is nottoolate to learn something new

cakie174

Thanks but surely the bank has a obligation to provide me the exact data they provided the credit agencies. I need to present a report on this ad don't want to disclose my entire credit history.

Tixy

The exact data Santander have supplied to the credit reference agencies will be the data that is shown on any santander accounts that appear on your credit files with the 3 credit reference agencies.

You can identify this data easily and replicate it in a report, it does not mean you need to disclose your entire credit history.

pvt

cakie174 wrote: »

I can't see how his is legal under personal data protection act?

Probably because it says you agree to them passing such information to CRAs in the Ts&Cs you signed when you opened your account with Santander

Thrugelmir

pvt wrote: »

Probably because it says you agree to them passing such information to CRAs in the Ts&Cs you signed when you opened your account with Santander

Spot on.

The data provided will that as shown on the CRA files nothing more nothing less. There's no hidden data.