SAR for data around 1988 - 92

Orville

What are the chances of them having this on file..?

Do they write off to the branch the account was held at to get them to do it as i have put those details on my SAR...

magpiecottage

After all this time, you have two chances.

One is slim, the other fat.

Orville

magpiecottage wrote: »

After all this time, you have two chances.

One is slim, the other fat.

I am wondering if the actual branch might have the details?

tomtontom

Orville wrote: »

I am wondering if the actual branch might have the details?

The branch will have no more details than the processing centre, quite possibly less. What information are you looking for?

Orville

Well i had two loans with lloyds back in the late 80's, early 90's I signed the paperwork for at least the second one in the branch. I am looking at making a ppi claim against them if possible because i was told they would not give me the second loan unless i took it out. The lady from the lloyds ppi claim line said to do a dsar or even try the actual branch...

societys_child

i was told they would not give me the second loan unless i took it out

That's an allegation which will be difficult to prove after all this time. Do you have any evidence?

Orville

societys_child wrote: »

That's an allegation which will be difficult to prove after all this time. Do you have any evidence?

No, which is why i am trying to gather paperwork.

My sister did one from 92 and got 10k back. So I thought i would make inquiries..

magpiecottage

They only have to provide data that a reasonably competent temp, with no specialised knowledge of their systems could find using the information you gave them.

In many cases from so long ago that information is likely to have been destroyed or be in an obsolete filing system - particularly if you are no longer a customer.

If so then they are not required to provide it.

sun73

magpiecottage wrote: »

They only have to provide data that a reasonably competent temp, with no specialised knowledge of their systems could find using the information you gave them.

In many cases from so long ago that information is likely to have been destroyed or be in an obsolete filing system - particularly if you are no longer a customer.

If so then they are not required to provide it.

Can I ask if the account is still active and the bank has your reference numbers why are they unable to locate your details if they are stored in an obsolete file? Is it because they are not obliged to search in those particular archives for a DSAR or is it too complicated and time consuming?


Either way it doesn't seem fair to customers, especially if there might be evidence of loans with ppi stored in these obsolete files and banks do not include this data in a request.

Insider101

Orville wrote: »

No, which is why i am trying to gather paperwork.

My sister did one from 92 and got 10k back. So I thought i would make inquiries..

Realistically, do you honestly think they are going to provide paperwork which supports your complaint if you make a SAR?

We all know salespeople do deviate from the script sometimes but it's not going to be written down anywhere!!!

Insider101

sun73 wrote: »

Can I ask if the account is still active and the bank has your reference numbers why are they unable to locate your details if they are stored in an obsolete file? Is it because they are not obliged to search in those particular archives for a DSAR or is it too complicated and time consuming?


Either way it doesn't seem fair to customers, especially if there might be evidence of loans with ppi stored in these obsolete files and banks do not include this data in a request.

Firstly, there is nothing wrong with having PPI. So just having "evidence of loans with PPI" would not do you any good. The reason is because some of these banks are massive multinational organisations with thousands of branches and scores of offices. It's perfectly possible that Dave in the customer service centre left a paper copy of an old loan agreement in the back of an old disused filing cabinet. Or that one was sent to external storage and the reference numbers were mixed up. However, there is not a cat in hell's chance of anyone ever knowing where it is or finding it. It would therefore not be reasonable to hold this as a breach of the law.

This is becoming less of a problem with the move to electronic filing systems but still causes problems with historical paper based storage.