Account transfered to credit agency...

[lindyloops]

probably a bit late as I have allready sent my Data Protection Act to NatWest but that accoount has been taken over by a credit company, does this affect my claim at all, I am currently in agreement to pay off £1 a month to this agency, but my original bank account only went into trouble because of charges, any help appreciated please, thanks

Lindy xx

[gizmo111]

Originally Posted by lindyloops

probably a bit late as I have allready sent my Data Protection Act to NatWest but that accoount has been taken over by a credit company, does this affect my claim at all, I am currently in agreement to pay off £1 a month to this agency, but my original bank account only went into trouble because of charges, any help appreciated please, thanks

Lindy xx

No this doesn't affect your claim at all. Just follow the procedure and read around as a few people have had this situation, myself included.

[NitrousOxide]

Hi,
No it doesn't matter and in fact sometimes it helps letting them know you are about to sue the bank.
Look what happened here:
Click Me

[sm03art]

Phone them and tell them your account is in dispute! there for it cant be messed with! until sorted!

	Disputed account materials Follow this link to our library of materials to help you try to deal with the problems of defaults on disputed accounts. It is contrary to Information Commissioner guidelines and also contrary to the banking code to default disputed accounts. However, it happens all the time.

[lindyloops]

Hi All, I sent my Subject Access Request off to the NatWest on the 18th of Aug and still havn't had a response, they only have a few days left till its 40, is this usual for them and what is my next move?
I get so impatient waiting for things but i spose thats why they delay, so peeps give up!

Lindy xx

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[lindyloops]

I had to phone the Nat west and ask them to send my statements and they agreed.

I did send an Subject Access Request in August but I can't find the post office reciept so this is a warning to you all, don't lose your receipts, I am probably trying to do too many cases at once as I am also helping my son with a claim.

but I am still on the case and loving every minute....lol

Lindy xx

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.