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GDPR issue payday loan

edited 11 July 2019 at 11:43PM in Loans
15 replies 2.2K views
Les79Les79
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edited 11 July 2019 at 11:43PM in Loans
Hi all,

Going to keep it really simple.

How do SARs fit in with GDPR and the ICO?

EDIT: thanks for replies.
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Replies

  • Willing2LearnWilling2Learn Forumite
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    With your SAR request, the ICO website states that in certain circumstances, the SAR request can take up to three months:
    An organisation has one month to respond to your request. In certain circumstances it may need extra time to consider your request and can take up to an extra two months. If it is going to do this, it should let you know within one month that it needs more time and why.

    Source: ICO - Your data matters / Your right of access
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  • Les79Les79
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    With your SAR request, the ICO website states that in certain circumstances, the SAR request can take up to three months:


    Source: ICO - Your data matters / Your right of access

    You are completely right! I was 100% aware of that when I made the SAR, and the FCA very kindly pointed that out to me :)


    But the company did not comply with the following bit:
    If it is going to do this, it should let you know within one month that it needs more time and why.

    I only learnt about the SAR delay a few days after the deadline had passed when I chased it up.
  • zx81zx81 Forumite
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    There's no compensation, but you can submit a complaint to the ICO.

    Any fine levied against the company will go to the regulators, rather than you.
  • Les79Les79
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    zx81 wrote: »
    There's no compensation, but you can submit a complaint to the ICO.

    Any fine levied against the company will go to the regulators, rather than you.

    Oh I know RE: fines! I have reported them to the ICO partially to help other consumers! Here's hoping.

    I've had compensation in situations which were much less serious. That's the problem! Unless you want to challenge my version of events further (I'll listen!), my personal information has been passed to a third party unlawfully! And they've ignored a SAR!

    I actually think that there is scope for "compensation" to be fair!
  • zx81zx81 Forumite
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    Les79 wrote: »
    Unless you want to challenge my version of events further (I'll listen!)

    I wasn't aware I had challenged them at all.

    Apologies if you somehow got that impression.
  • sourcratessourcrates Forumite, Board Guide
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    Les79 wrote: »
    Oh I know RE: fines! I have reported them to the ICO partially to help other consumers! Here's hoping.

    I've had compensation in situations which were much less serious. That's the problem! Unless you want to challenge my version of events further (I'll listen!), my personal information has been passed to a third party unlawfully! And they've ignored a SAR!

    I actually think that there is scope for "compensation" to be fair!

    I think you may find way down in the small print of your original agreement it will state they can pass your account to a 3rd party debt collector.
    The problem you have with debt collectors is that the rules they abide by are not rules as such, but guidelines, which are always open to interpretation.
    I personally hate the debt collection industry, but you have to know which battles you can win, and which you cannot.
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  • Rainbowgirl84Rainbowgirl84 Forumite
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    Why the complete change to the OP? It makes the replies to it nonsensical..
  • boo_starboo_star Forumite
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    Les79 wrote: »
    I actually think that there is scope for "compensation" to be fair!

    There may be but what I think zx81 was trying to say was that the ICO have no authority to demand that the PDL company pay it to you. They'll just fine them if appropriate (and you won't see a penny of that.)

    If you're interested in compensation you're much better off going to the FOS.
  • Kentish_DaveKentish_Dave
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    Les79 wrote: »
    Hi all,

    Going to keep it really simple.

    How do SARs fit in with GDPR and the ICO?

    EDIT: thanks for replies.
    As you are asking for advice...

    You seem to want to pick fights over very minor issues that have come about due to you originally being in the wrong.

    I’d recommend that instead of borrowing money that you then don’t repay on time and then getting upset at the consequences that you put your efforts into making sure that you don’t need a payday loan ever again.

    Needing one tends to suggest that you would benefit from posting a SOA up and taking on board the good advice that would follow.
  • Kentish_DaveKentish_Dave
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    Les79 wrote: »
    Hi all,

    2. I entered into payday loan contracts as a RESPONSIBLE lender. I had health issues and it spiralled out of control to the point where I had to seek help.
    Borrower, not lender.

    And taking out a payday loan pretty much serves as proof that you are not a responsible borrower.

    Have a read of the name again, payday loan. It is meant to tide you over to your next pay day. You would still have had one of them even were you unwell.

    And I did offer you relevant guidance, you just didn’t like it.

    I’ll offer it again, take the energy from this silly comp,ain’t, and put it into something positive. You are heading for a very miserable old age at present.
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