What letter do I send for a mortgage

[star_scream]

or secured loan to get a copy of the agreement?
I don't want to S.A.R - (Subject Access Request) them as I only want the agreement.

[Mr lex]

Hi Star scream,

I feel the best letter to use is here :-

Creditors and DCAs - Letter Templates & Budget Planner

Letter 'N'

Lex

[star_scream]

Thank Mr Lex, but a mortgage is not regulated under the CCA 1974

[star_scream]

Anyone please?

[Mr lex]

Hi Star Scream,

I've popped a Question on the office wall for you !!

Lex

[ukaviator]

Hi Star scream

Amend this to suit:

Dear Sir/Madame

Re: Account number: xxxxxxxxxxxxxxx


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

I 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 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.

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 Information Commissioners Office 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


Name

[star_scream]

Thank you Mr Lex and UKA

Is this not a S.A.R - (Subject Access Request) letter? I would have to send £10 with this would I?

I really only want the agreement. Is this the only way?

[ukaviator]

You could ask them for a copy over the phone, see what happens. If they refuse then just amend the letter to suit.