Thread: Martynandemma / CCA and SAR, help required.

I sent a CCA request to RBS bank for copies of loan agreements they replied saying they needed the account numbers (which I dont know!!) what can I do.

I also sent an SAR to RBS for the mastercard & all I got back was a sheet of A4 paper with some 0's on it. not much for my £10

Originally Posted by Martynandemma

I sent a CCA request to RBS bank for copies of loan agreements they replied saying they needed the account numbers (which I dont know!!) what can I do.

I also sent an SAR to RBS for the mastercard & all I got back was a sheet of A4 paper with some 0's on it. not much for my £10

Try DSAR route with RBS for loans, should not be any need to list account numbers as you are requesting compliant response to include all data held. All data includes CCA. You could in the meantime pop into the local branch and ask for account numbers, you'll find that staff behind the counters are not of the same ilk as their masters. RBS are just stalling (nothing unusual).

As for the Mastercard request...see above post from Scott

sent an SAR request couple of years back all i got were bank statements.

As loan agreements are set up as accounts do you think I need a separate SAR for the loans I never got a bank account agreement from them either.

all 3 were CCJ's in the end but judgement is against me the default is on my wifes credit file.

My hope is to find a way to get the defaults off my wifes credit file

If you are certain you sent DSAR a couple of years back and have evidence of postage etc then the clock is still ticking (or ticked itself to death in your case). No need to list all a/c numbers as you are requesting all subject data....thats you, not the accounts themselves, just so happens that all subject data will include pretty much everything (barring a couple of exclusions whereby third parties are involved etc) they hold on you; account numbers, balances, statements, charges etc etc.

Bank account.....CCA request no good for these, all should still show within a DSAR though. If you have 3 loan a/c's plus a bank a/c with the same OC all would be included within a single DSAR.

Are you sure the marker on your wifes credit file is not for a joint bank a/c?

Most banks have/will seek to default all named parties on the account and will bring proceedings against all for the same sum.

Gez

this is what i sent originally I got back bank statements only no other info at all. The sneaky swines delayed sending me the response to my lba just in time for the bank charges court case. so I have been waiting for pen charges ever since

this is my SAR
Your item with reference DH445350988GB was delivered from our EDINBURGH PRIVATE BOXES Delivery Office on 12/02/07 .
name &
address removed


Royal Bank of Scotland Plc
36 St Andrew Square
Edinburgh
EH2 2YE

09/02/2007

Data Protection Act disclosure request

Dear Sir/Madam

BANK ACCOUNT NUMBER:******* sort code **-**-** & my credit card account (number unknown)

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with all the account details including sort code and account number relating to myself at the above address, & the address *****& the address ******, & the address of *****, as well as a complete list of transactions and charges relating to my Bank account since 9th February 2001 to the date of closure. Alternatively a complete set of bank statements for that period will be acceptable.

I enclose a copy of my driving licence, as proof of my I.D.

Additionally 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 data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

I enclose the statutory maximum fee of £10.00 to access ALL data held by Royal Bank of Scotland Plc about myself. You should be fully aware of your statutory obligations under the data protection act and that any failure to comply to this request could result in an investigation from the Information Commissioners Office. You have 40 days in which to comply.

Such submissions from yourselves that the relevant data is now only held on Microfiche in date order and can only be provided at extra cost etc is unacceptable as it implies that such data is nonetheless retrievable. In these circumstances, as opposed to copies of statements for the micro-fiched period, I will accept a detailed break-down of all charges levied to my account in date order.

Yours faithfully,

on reading it again they have taken me literally, as I state that a full set of bank statements will surfice

perhaps I should send another SAR requesting all loans & other paperwork be included.

no CCJ info either

what do you suggest my next move should be

I'd be inclined to get a new DSAR in the post to them, no need for specifics in your request. The template on here is good as it stands and you leave it open to (mis)interpretation if you start asking for specific account info. You are requesting ALL data that they hold, the onus is on them to search archives in complying.

If you can afford the £10.00 each I'd think it prudent for your wife to DSAR at the same time..... just in case some info is logged against her only and vice versa

Where you go from there very much rests on their response. Hopefully this will give you a clearer picture of where you stand on all accounts.

Not much else you can do at the mo until you take the first step. Would use the time waiting for their reply in reading some of RBS stalling measures posted on here so at least you know what you're in for