SAR request. Is there a template letter to follow up?

lee1972

Hi All


Just to give some background:


I'm reclaiming PPI on several products my Dad had with Lloyds dating back to the 1980s.


I submitted a SAR request using the template letter found from the forum which requests the bank does 7 things (I tried to post a link but I don't have that right yet- but it's the one in the thread by Dreamer posted 08-02-2009).

Lloyds responded and returned a huuuuge pack of stuff via DHL just last Thursday. However, the information related to the loans my Dad had in the 1980s and 1990s was missing, and the letter included with the pack did not give any information about when the paperwork relating to the loans was destroyed- which the template letter specifically requests.

In relation to responding to point 7 of the letter (to supply any documentation recording any commission paid to an intermediary), Lloyds stated the following-


"We can't disclose the amount of commission that LLoyds Bank PLC receives because this information is confidential between the bank and the insurer and is not considered your personal information."

I'm aware of the problems facing customers who have attempted to claim PPI from the 1990's and earlier, but Lloyds have supplied the paperwork which shows when my Dad took out his mortgage in 1990, so I'm dubious about their claim that they can't find some records of the loans he had; especially since he's had the same bank account since the 1970s. I'm therefore going to take this further and need some help from wiser heads.


Therefore, back to the question in the thread title. Can anyone direct me to a template which I can use or amend to deal with the above issues?


Many thanks for any help/ advice and apologies if there is a thread already dealing with this which I've missed.

dunstonh

However, the information related to the loans my Dad had in the 1980s and 1990s was missing, and the letter included with the pack did not give any information about when the paperwork relating to the loans was destroyed- which the template letter specifically requests.

Just because the template letter requested it does not mean they have to supply it. The DSAR rules do not require you to be told when data was destroyed.

In relation to responding to point 7 of the letter (to supply any documentation recording any commission paid to an intermediary), Lloyds stated the following-


"We can't disclose the amount of commission that LLoyds Bank PLC receives because this information is confidential between the bank and the insurer and is not considered your personal information."

Again, this is not a request you would expect to be answered under a DSAR. It sounds like a pretty naff template you used.

I'm aware of the problems facing customers who have attempted to claim PPI from the 1990's and earlier, but Lloyds have supplied the paperwork which shows when my Dad took out his mortgage in 1990, so I'm dubious about their claim that they can't find some records of the loans he had; especially since he's had the same bank account since the 1970s. I'm therefore going to take this further and need some help from wiser heads.

you now have a copy of what data they have. I would expect Lloyds to know what accounts had been opened historically but I would not expect there to be much in the way of documentation on closed accounts from the 90s. Mortgages are long term and have security. So, picking up bits of documentation on those is normal. Whereas short-term unsecured debt is lower priority.

I worked for Lloyds in the 90s and when the data protection act came in we were culling records left right and centre. Most of the records back then were pre-computer. It was only a few years later that it was realised that the destruction went further than needed. When the computers came in, only open records and recently closed accounts appeared on them. Not older closed accounts. So, you would expect a mixed bag.

Therefore, back to the question in the thread title. Can anyone direct me to a template which I can use or amend to deal with the above issues?

There is no template letter. The template you used was naff and the information requested is not part of the DSAR rules. You are not going to get that information and they do not need to supply it.

[Deleted User]

lee1972 wrote: »

SAR request. Is there a template letter to follow up?

A SAR just provides PERSONAL DATA the Bank have on file for you. It does not provide details of when particular data was destroyed (or deleted) and it does not provide confidential business information.

There is no "follow up" template because people do not generally "follow up" on the information they receive from a SAR.

If you feel the SAR information you have received is somehow incomplete, you could complain to the Information Commissioner Office (ICO), but nothing will come of this in the circumstances you describe I'm afraid.

Sorry.

jevoudrais

surely if communications including by letter or email between the bank and building society have your personal data on them then must they not provide you with a legible copy?

eg....Dear insurer .. re |Mr lee1972 ...hers is you commission from bank
even if they remove names of sender and receiver and amounts ?

[Deleted User]

jevoudrais wrote: »

eg....Dear insurer .. re |Mr lee1972 ...hers is you commission from bank
even if they remove names of sender and receiver and amounts ?

That would be ridiculous I think. Why would they send documents with all the pertinent details blacked out?

sourcrates

Banks are only required to keep records for 6 years.

Any longer than that is down to different banks internal policy, and pure luck.

It is highly unlikely they will have records dating back over 20 years, and a SAR is only a request for personal information that the bank holds on you, not on its own internal policies or its commission structure.

Nasqueron

jevoudrais wrote: »

surely if communications including by letter or email between the bank and building society have your personal data on them then must they not provide you with a legible copy?

eg....Dear insurer .. re |Mr lee1972 ...hers is you commission from bank
even if they remove names of sender and receiver and amounts ?

If they blacked out the data then it's no different from not responding is it? SAR is your personal information, not commercial stuff that goes on in the background

Also, no they don't have to provide a legible copy of anything if they don't have it e.g. a scan of a paper form that is then printed out is as good as it can be