Help - what do I do now that I've received the SAR reply?

**DevastatedButHopefull** · 20th June 2009 17:06

Hi Everyone,

The SAR icon

reply I've received from Halifax icon

is incomplete, it doesn't have transcripts of the calls or details of POS of PPI icon

or Mortgage protection Insurance.

Do I need to write back and request more info? How long do they have to reply to that? What if they say this is all the info they have, how do I go about proving mis-sold PPI?

In short, I paid my Total Mortgage Protection premiums which should have covered me for critcial illness and loss of employment, but when I did claim my claim was rejected. At the time I was told that I had missed the last three consecutive payments - but as soon as I was out of work I made the claim. In fact I made all the premium payments up until the time I lost my job. Because the claim fell through, I almost lost the house, I lost all my furniture to the bailiffs icon

, my laptop, tv, my car everything. I only managed to hang on to my house by remotaging with another company.

How do I calculate what I should claim for? Can I even claim anything has there was much to go on in the SAR icon

reply.

Please help, any advise greatlty appreciated!

**middenmess** · 20th June 2009 17:38

Have a quick look at my thread to see what I was told about the phone call icon

information that I had requested.

http://www.consumeractiongroup.co.uk...calls-not.html

**alanalana** · 20th June 2009 23:46

This is my response to the link posted by middenmess.

This is a typical stance on how not to comply with the Data Protection Act 1998.

Make sure you complain and tell Halifax icon

a copy of their letter is on its way to the Information Commissioners Office.

A relevant filing system will include anything that refers to you and your data by your name, your account number, your loan reference number, your address, your telephone number, your pin number and any other personal details which link you as a data subject to any record they hold.

If however they hold let's say 10.000 sheets of paper in a filing cabinet and it covers records of 4,826 different people then IMO this is what they is classed as by them as a non relevant filing system.

Question here is how many banks keep records in that format???

several customers private details all mixed up in the same area

so much for data protection.

Keep at them and incidentally microfiche records are classed as a relevant filing system.

aa

keep at the halifax about missing information,

you can use this ....

Data Protection Act - Non-Compliance - Template Letters

and also complain to this office.....

For the Information Commissioners office. (this is an option if the DSAR is not complied with)
http://www.ico.gov.uk/upload/documen...ess_rights.pdf

Information Commissioner's Office - Information Commissioners Office

http://www.ico.gov.uk/upload/documen...lain_final.pdf

Complaints - Information Commissioners Office

make sure they know you will not be fobbed off.

aa

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