PPI Reclaiming discussion Part II

di3004

Melmoneysaver wrote: »

Alliance and leicester (ALPF) is the culprit! and hmmm my loan was sold over the telephone too but I didn't know about the SAR request but it sounds like its going to apply to me :S

thanks for your help i'll have a look for that template

Maybe worth your while then hun, even though you could even still try to ring them and request this to see if they would supply this without charge, I know some people have, and also a copy of the terms and conditions etc.

If you cannot find the template, I think its Laini who added this here before, should have this, so if you have any prbs here let us know and I will try to find Laini for the SAR template.;)

(if you decide to SAR these), I would post up be recorded post, in order to check out this on the tracking which is on the Royal mail website, this way you will know when they have received this and count in 40 days from ON the day they receive it.;)


Good luck hun.
Di.
x

di3004

Laini hunni

Been looking for ya.......:D

Where's ya SAR template hun ? (please), there are some lovely members here above who will be very happy to use your template hun if ya still have this.:D

Cheers hunni

Di.
xxx

di3004

Okay, not sure if Laini is about right now but I'm sure this is the SAR or similar that I always use, I did save some in my documents but my computer is being a right pain tonight, so here goes, check this SAR out.;)

Your address

Their Address

Date

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



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 or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, 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 and or credit card with your organization.

-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.

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

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

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

Yours faithfully


Your name

Sign your sig

They have 40days to comply under the Data Protection Act, and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.
__________________

Melmoneysaver

Thanks for that Di, would they definately have a transcript of my phone call with them? it'll certainly be interesting to read if they do

di3004

Melmoneysaver wrote: »

Thanks for that Di, would they definately have a transcript of my phone call with them? it'll certainly be interesting to read if they do

Well they should do hun if sold within the last 3 years or so.;)

I found mine interesting lol, and it helped big time too, well worth £10.:D

Anything and everything they have on you they should supply, this generally goes back up to 6 years, but I have even received data dating back earlier again bank wise.;)

So yep, no matter who its with hun they should supply you with everything they have on you.;)

Keep me posted....cheers.:j

Di.
xx

Melmoneysaver

Printed up just licking the stamp as I type, thanks again loads, ill certainly update you with everything that happens

di3004

Melmoneysaver wrote: »

Printed up just licking the stamp as I type, thanks again loads, ill certainly update you with everything that happens

Well done.:beer:

I look forward to hearing how this goes from start to finish, cheers hun, everything crossed for you.;)

Di.
xx

Laini

di3004 wrote: »

Laini hunni

Been looking for ya.......:D

Where's ya SAR template hun ? (please), there are some lovely members here above who will be very happy to use your template hun if ya still have this.:D

Cheers hunni

Di.
xxx

Sorry Di
I have found it on one of my posts so pm d it to you but it looks similar to yours.
I will post it up here too- below

heres one I use

lol
Laini xx:j

X

X

X

X

DATE

address
X
X
X


Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.





I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours Sincerely






Enc:
Postal Order for £10. Specifically for DPA/SAR request – not to be credited to any account

marshallka

Still no news from the Co-op again re my second letter. I bet they are just stalling and then going to send the same rejection letter out again. I have now sent another letter after receiving copies of all the agreements and asked that the 3rd loan we had with them be looked into as well as the forth one for misselling. The first two are out of date for FOS but it maddens me when i look at what we actually paid for these policies.

di3004

My draft letter added yesterday (e-loan - nemo), I will have to add a bit about the rebate that was deducted, it was £1,998 when I had settled that one for a new loan with nemo during the advance, just realised I hadn't added that bit lol.:D

So the amount I'm really after would be that of approx £6.494.50, this is not including interest, so what ever that would be on top of that too.;)