Thread: ppi or ppp

willo
Adapt this to suit
send this keep receipts for postal order and send registered post.

Your address

Their Address

Date

DATA PROTECTION ACT 1998
Subject access request


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



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 or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

-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.

-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.

- 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.

-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.

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

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

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

Yours faithfully


Your name

Sign your signature and put a line through it so you will know if you see it again:o You never know

They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.

have fun

AL
___________

dont forget to charge them interest at rheir rate too!
then add 8% to that total if its a cc

dx

Sent letter on the 6/04/09 still not heard anythink yet wot is my next step any help please.
(barclaycard)

If you have sent a Subject access request with the £10.00 fee they have 40 days plus 2 for postage time to supply you all the data.

Ok all sent a Subject access request on the 6/4/09 and the 10 pound postorder recorded delivery but i have still not had any reply.
Can any 1 help with what i do now thanks len.
len v (barclaycard)

They have had their statutory 40 + 2 days so next step is non compliance letter from this link...

Data Protection Act - Non-Compliance - Template Letters

The step after that if no response is formal complaint to the Information Commissioners Office from this link...

Complaints - Information Commissioners Office

This is a copy of my complaint but I sent it to everyone.

Submission of a Very Serious Formal Complaint against the Royal Bank of Scotland

Despite several further requests for the information as required by my S.A.R - (Subject access request), none has been forthcoming.

Letters have been sent on:
24 January 2008
16 February 2008
12 March 2008
28 March 2008
2 April 2008
12 April 2008
12 April 2008 Request for CCA under provision of Consumer Credit Act 1974
19 April 2008

I have still not received Consumer Credit Agreements with associated paperwork on four of the loans. Because of the inordinate delays, the information requested on the first loan which was refinanced in March 2002 would be of no use as any claim against that loan would now be statute barred within the Scottish Courts.
I have not received data in the name of recordings of telephone conversations or transcripts of those conversations between the RBS and myself.
I have not received copies of emails or letters which I know exist.
I have also not received any properly certified documentation by Data Controllers within the RBS stating the information that I have requested has been disposed of, destroyed or erased.

The Royal Bank of Scotland is a member of the British Bankers Association (BBA), is licensed by the Financial Services Authority and should I believe, operate within the Law of the Land and therefore respond within the statutory timescales within Legal Acts at Law, namely the Data Protection Act 1998.

I have, when asked, provided information to the RBS, but it seems to me now, that they will try and delay supplying the data requested by using whatever delaying tactics they see fit. On one occasion referring me back to DLFS for the information I had requested. The fact that the DLFS had been legally transferred back to the RBS on 1 March 2006 (the transfer included all DLFS loans) was obviously overlooked by the Data Protection staff within the RBS.
This is indeed an extremely sorry state of affairs and it beggars belief that RBS staff would not be aware this Legal transfer had taken place.

My understanding is that the RBS had 40 days to fully supply all the information requested in my Subject Access Request, this has most certainly not happened.

I would therefore like to request that each addressee takes the appropriate measures to instruct or at least direct the RBS to supply this information to me as a matter of urgency.

I have a complaint lodged with the Information Commissioners Office Case Reference xxxxxx
I would now urge the Commissioner to consider an Enforcement notice against the RBS under Section 40 of the Data Protection Act.
I would also request that the Financial Services Authority, the Financial Ombudsman Service, the Office of Fair Trading and the British Bankers Association add this extremely serious complaint to their files on the Royal Bank of Scotland.



Yours sincerely



A xxxxxxxxxxx
Distribution:

The Financial Services Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS.

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London,
E14 9SR.

The Commissioner, Information Commissioners Office, Wyckuffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

The Information Commissioners Office, Casework and Advice Division, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

The Office of Fair Trading, OFT Enquiries, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.

Chief Executive, British Bankers Association, Pinners Hall, 105-108 Old Broad Street, London, EC2N 1EX.

hope this helps keep the momentum up

It is frustrating when they just ignore you. IMO the more complaints the merrier.

Hi guys finally got all my fathers statements today .He has payed 1214.67 plus 8% interest over 7 YEARS can he still claim. he is 63 and not worked foe over 10 years. what is my next step any help please thanks

Don't see why a claim cannot be submitted. However what is the position on your action?

Did you get more than just statements ie CCA etc.

If you did it is now time to send a letter reclaiming the full amount of the PPI plus the contractual interest on that PPI and also ask for 8% statutory interest. As he has not worked for 10 years the PPI was clearly mis-sold. You should perhaps suggest that a negative response to your request will result in a formal complaint to the Financial Ombudsman Service. This complaint will of course result in a £500 fee to the Ombudsman.

aa

Data Protection Act - Non-Compliance - Template Letters

Use this template and include everything else you want them to supply.

You should request the following documents:

A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan.

Copies of all statements applicable to the loan. (Already received)

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

Copies of all recorded telephone calls or transcripts of the recordings.

A copy of the needs and wants/ customer duty of care questionnaire... here is an example.

http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

Copies of any notes made by ltsb staff in their dealings with you.

aa