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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
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Old 19th July 2008, 17:43   #1 (permalink)
asr2
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2007
Posts: 80
asr2 Novitiate
Default Subject Access Request what should you receive

Hi,

I Subject Access Request'd a DC and they sent me copies of correspondence from them but no account documents at all. I sthis all I am entitled to receive or are they at it. The company is Lowell Financial.

Cheers
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Old 19th July 2008, 19:59   #2 (permalink)
IdaInFife
Platinum Account Customer
 
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Default Re: Subject Access Request what should you receive

Yes they have to send you complate list of all transactions payments etc
Also if this is for a credit agreement or loan the original cca should be there as well

LETTER BEFORE ACTION
Section 7 – Data Protection Act 1998
Dear Sir/Madam
Account: xxxxxxxx
I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated (Insert Date). The disclosure of personal data is incomplete in that at least the following documents are missing.
(Adapt this next section to your situation)
1) You have failed to provide a complete list of transactions and charges.(Add details of missing period - or a transaction that you know about which is not included) 2) You have provided no notes, or documents relating to any legal action between you and myself. 3) You have provided no notes, or documents relating to instances of manual intervention. 4) A true copy of any credit agreement
This is not an exhaustive list by any means, it is just an example of some of the information I am missing.
Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.
The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.
Yours faithfully,


Ida x
__________________
Bank Of Scotland: Full refund of bank charges
Llyods tsb: Full refund of bank charges

I know nothing for sure but pretty good with ebay/paypal and sky tv if that helps!

And getting better with dca's
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Old 19th July 2008, 22:36   #3 (permalink)
asr2
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Watch out, there are Claims Touts about!

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Join Date: Dec 2007
Posts: 80
asr2 Novitiate
Default Re: Subject Access Request what should you receive

Thanks Ida you are a star

Johnxx
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Old 19th July 2008, 22:41   #4 (permalink)
IdaInFife
Platinum Account Customer
 
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Default Re: Subject Access Request what should you receive

No problem


Ida X
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