Thread: RBS SAR response has left me confused

They have to provide everything which they have in their possession unless you have asked only for some limited information.

If it is true that they no longer have your data prior to 6 years then you would be entitled to a certificate of destruction.
You should ask them for information about what data they do and do not have, when it was destroyed, why, according to what policy, the date of the policy.

The banks are thoroughly dishonest and I can well imagine that many banks are getting rid of data older than 6 years in order to frustrate repayments when the OFT case is finally lost by them.

I think that you shold get very serious with them. I don't know why yo have waited this long before starting to get on to their case.
I certainly think that you should be making an immediate complaint to the IC about this.

I think that information on their policy of destroying data older than 6 years must be obtained and verified.

Personally I don't believe it.

I know for a fact that Abbey retain all of their account data going back as fas as 1926 and I can scarcely imagine that they are especially out of step with the rest of the industry.

it's not that I've waited a long time, it's taken me this long to get this information out of them - this is the letter that I sent them and it's blatantly obvious (to me) that they haven't complied :

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to current accounts, personal loan accounts and/or credit cards.


Please supply me with a complete list of all transactions and charges relating to my entire history with your organisation, 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 organisation:


Full copies of all contracts which you believe exist or have existed between myself and your organisation, 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 cards with your organisation.

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, organisation or third party which contains my personal or financial information, 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 printouts 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 will not accept the excuse that historic entries are stored on microfiche. If this statement is made I shall make a full formal complaint to the Information Commissioner.

where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 calendar days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.


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


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

as you can see, I already asked for evidence of any disposal. I know their methods are designed to make you just give up, and that's exactly what I feel like doing

Have you sent a complaint to the ICO about this at any time?

It's hard not to give up i know when presented with a brick wall at every turn it seems. But it only seems that way and creditors who are so desperate to avoid their duties and who lack common decency, in the end, won't win. Less often than not.

For a little inspiration i would check out the successes threads. That's what i do when it looks like i am going round in circles.