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  • FIRST POST
    dreamer33
    Sar Letter
    • #1
    • 8th Feb 09, 11:31 AM
    Sar Letter 8th Feb 09 at 11:31 AM
    This SAR was kindly supplied by Incipience.

    DATA PROTECTION ACT 1998
    SUBJECT ACCESS REQUEST

    Date: xx:xx:xxxx

    Dear Sir/Madam
    Name xxxxxxxxxxxx
    Account No!!!8217;sXXXXXXXXXXXXXXXXXX


    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 credit cards accounts

    I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation:
    1. Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.
    2. A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account.
    Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents.

    I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection.

    I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein.

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

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

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

    Your Faithfully.

    .................................................. .................................................. .......................
    Details of:
    SAR (SUBJECT ACCESS REQUEST)




    For anyone requesting a Subject Access Request (SAR), they have 40 days to comply and send you all the information they have on you on your accounts.

    10 cheque payment or postal order is required.

    Always post by recorded delivery.

    When you receive the SAR, you should receive all that is requested within the template, if in doubt just post up here where someone will be able to confirm what is what.

    You will or should receive all information going back as far as 6 years, you may be lucky to receive information going back even further, every company varies from one to the other.

    Write again to the company if you believe they have not given everything requested, they should write back within a short time and confirm if that is everything they do have on you and your account(s) with them.

    You do not always receive recorded discs, however phone calls made Jan 2005 after may have been recorded, where they may then supply the recordings, but otherwise you should receive transcripts of dates, times etc of when calls were made and the reasons for the phone calls.

    If there were a joint loan taken out, and you both require details, most companies will want 2 payments of 10 x 2 = 20 cheque or postal order and require 2 signatures, check this with the company concerned to save on time and any come backs.

    Again if you feel let down you can always contact the Information commissioners Office, known as the ICO who will be able to direct you here, here is the ICO website for your interest, check this out, as more information will be within their website.
    http://www.ico.gov.uk/for_the_public.aspx



    Last edited by dreamer33; 08-02-2009 at 2:05 PM. Reason: add more info
Page 25
    • dunstonh
    • By dunstonh 6th Oct 17, 6:31 PM
    • 93,441 Posts
    • 60,961 Thanks
    dunstonh
    I am asking, because when I requested SAR from Barclays, I only put down my current account number, but to my surprise they sent all the info they held on file for me including credit card accounts for which I did not explicitly asked (bonus!)
    A SAR does exactly that. Its not a pick and choose what they send you. They have to send you everything that they hold with your personal data on it.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • orchid8809
    • By orchid8809 22nd Nov 17, 3:49 PM
    • 1 Posts
    • 0 Thanks
    orchid8809
    Hello, apologies if someone has already asked this but I want to request a SAR from a water company. Do I need to do anything different as the form above is very tailored towards a bank or loan scenario?


    Any help would be massively appreciated!!


    Thanks
    • Moneyineptitude
    • By Moneyineptitude 22nd Nov 17, 11:30 PM
    • 20,642 Posts
    • 11,498 Thanks
    Moneyineptitude
    I want to request a SAR from a water company. Do I need to do anything different as the form above is very tailored towards a bank or loan scenario?
    Originally posted by orchid8809
    Just write them a letter telling them that you require them to send you everything they still have on file for you. Head it "Subject Access Request" and enclose a cheque for 10. They are legally obliged to comply.

    However, you might be better calling them up and asking them directly if you have a specific query.
    What exactly is it that you hope to achieve?

    Just like Banks, Utility Companies are unlikely to have kept records going back years and years even if you've been a customer of theirs and resident at the same property for decades.
    • Martink93
    • By Martink93 10th May 18, 5:09 PM
    • 7 Posts
    • 1 Thanks
    Martink93
    Need help
    Hi I'm trying to find some information for my dad to claim PPI. He had a mortgage with Abbey national before 1990 and a home improvment loan shortly after is it to late to claim? He doesn't remember the account number and has no paperwork would I just leave that bit out on the SAR and would I address it to Santander as they took over Abbey national or not? This really isn't my kind of department it's frying my brain so any help would be great.
    • Moneyineptitude
    • By Moneyineptitude 10th May 18, 5:12 PM
    • 20,642 Posts
    • 11,498 Thanks
    Moneyineptitude
    Hi I'm trying to find some information for my dad to claim PPI. He had a mortgage with Abbey national before 1990 and a home improvment loan shortly after is it to late to claim?
    Originally posted by Martink93
    The chances of Santander having records of decades-old finance from a previous lender they took over are remote I'm afraid.

    Expect nothing and you won't be disappointed.
    • Martink93
    • By Martink93 10th May 18, 5:26 PM
    • 7 Posts
    • 1 Thanks
    Martink93
    Sad times. So is it even worth sending off a SAR to Santander ?
    • Moneyineptitude
    • By Moneyineptitude 10th May 18, 5:34 PM
    • 20,642 Posts
    • 11,498 Thanks
    Moneyineptitude
    Sad times. So is it even worth sending off a SAR to Santander ?
    Originally posted by Martink93
    28 years on it will be a waste of money I fear.

    Why is it "sad" that personal data is not kept forever? Data protection legislation is surely a good thing in most cases.
    • Martink93
    • By Martink93 10th May 18, 11:04 PM
    • 7 Posts
    • 1 Thanks
    Martink93
    I'm sure it is good in most cases. I ment sad times because i wont be able to claim ppi without the information needed. Thanks for your help tho.
    • Nasqueron
    • By Nasqueron 11th May 18, 9:51 AM
    • 4,975 Posts
    • 3,013 Thanks
    Nasqueron
    I'm sure it is good in most cases. I ment sad times because i wont be able to claim ppi without the information needed. Thanks for your help tho.
    Originally posted by Martink93

    For what it's worth, you don't "claim PPI", nobody is entitled to a refund. You complain it is miss-sold and bank determines if it was or not and may refund you. With a mortgage it's highly unlikely any cover that was in place was miss-sold as it's an insurance that can save your home. Without paperwork, there is no record he even had the cover so there might not even be a policy
    • Martink93
    • By Martink93 11th May 18, 11:43 AM
    • 7 Posts
    • 1 Thanks
    Martink93
    So it's a big waist of time. At least I know now thanks
    • Moneyineptitude
    • By Moneyineptitude 11th May 18, 11:54 AM
    • 20,642 Posts
    • 11,498 Thanks
    Moneyineptitude
    So it's a big waist of time.
    Originally posted by Martink93
    Not necessarily but, without documentation or even definite knowledge that there was even any PPI, the odds are overwhelmingly against you advancing this any further.

    While most mortgage PPI complaints are rejected, it would be unwise to state categorically that none were mis-sold.

    However, your big problem is even ascertaining whether you had a PPI policy in the first place.

    People have certainly had success with 30+ year old complaints, but invariably those complainants already had comprehensive documentation and very likely still held an account with the same lender.
    • Martink93
    • By Martink93 11th May 18, 1:03 PM
    • 7 Posts
    • 1 Thanks
    Martink93
    So if you we're in my shoes. how would you go about ascertaining weather there was a ppi policy?
    • antrobus
    • By antrobus 11th May 18, 1:23 PM
    • 15,783 Posts
    • 22,465 Thanks
    antrobus
    So if you we're in my shoes. how would you go about ascertaining weather there was a ppi policy?
    Originally posted by Martink93
    Ask Santander.
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