Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I sent a SAR to Lloyds requesting pretty much everything they held on me. They replied with only a charges list for one of the three accounts I hold with them.
They also did some handy work with their letter date....it arrived on the 27th Aug, though the letter was dated 31rd July (not sure what the 'RD' after '31' means!). Basically they were well after 40 days when I recieved rather incomplete documents.
Some people on here say it should be a complete banking history, while others say they are only obliged to send statments.
Should I be getting -
Terms Conditions
Signed agreements
Transactions
List of communications with me
Notes about me
If anyone knows what they should be sending, it may help my letter writing.
If you think this post has been of help, please click on my SCALES on the left - thanks
Peter Anderson
Me Vs Morgan Stanley - WON £490
Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)
inc: S.69 Interest (and growing daily) -
Please remember to DONATE when you have WON
Hi if your S.A.R - (Subject access request) was just for transaction history thats all they will send if however you asked for all data held in your name and address then you should get all data including communications log transactions any agreements etc. I have had to send both types of SAR to Capital One on the first transaction S.A.R - (Subject access request) I got some 220 pages of data for the full S.A.R - (Subject Access Request) I got over 470 pages including the "application form" that they call an agreement and with Littlewoods for CCA request I got a blank agreement with name and address hand printed on it but with full S.A.R - (Subject Access Request) no agreement at all and letter to say cannot find your original agreement will not be enforcing debt.
This was what I asked for relating to two bank accounts and one credit card account (I listed the account numbers on the letter).
'Please supply me with a complete list of transactions, charges, terms and conditions relating to when the accounts were opened and any other data you hold relating to my banking history with your organisation'.
The bank only sent me some charges for one account, am I within my rights to send them a letter saying they have not processed this SAR correctly under the 'data protection act'?
Hi again they have not complied to your S.A.R - (Subject access request) by only supplying transaction data for one account so yes if 40 days are up send S.A.R - (Subject access request) none compliance. Regarding T&C I believe that unless you had to sign T&C then they would not be covered by S.A.R - (Subject Access Request) you would need to send CCA 1974 request that should get you agreement and T&C relevant to when agreement signed.
Clarification On SAR Request's
to Lloyds
Reply With Quote
20/03/2008 settled in full out of court
