Thread: Welcome Finance PPI Questionaire

Originally Posted by tracyab1972

I have sent off my first letter to Welcome requesting my missold PPI from them. I was about to send my lba letter to them as I had not had a response from them until today. I received a letter from them stating that they would not look at my complaint until they had received a completed questionaire back from me. I have never been sent a questionaire and can they do this? Surely they must look into a claim without the consumer having to fill in stupid forms. Has anyone else received this? Personally I think this is a delay tactic from them. What should I do?

subbing

Originally Posted by tracyab1972

I have sent off my first letter to Welcome requesting my missold PPI from them. I was about to send my lba letter to them as I had not had a response from them until today. I received a letter from them stating that they would not look at my complaint until they had received a completed questionaire back from me. I have never been sent a questionaire and can they do this? Surely they must look into a claim without the consumer having to fill in stupid forms. Has anyone else received this? Personally I think this is a delay tactic from them. What should I do?

Yes the data controller can ask for more information.

Please see this from the Data Protection Act 1998.

7. Right of access to personal data.


— (1) Subject to the following provisions of this section and to [F1 sections 8, 9 and 9A], an individual is entitled— (a)
to be informed by any data controller whether personal data of which that individual is the data subject are being processed by or on behalf of that data controller,



(b)
if that is the case, to be given by the data controller a description of—
(i) the personal data of which that individual is the data subject,
(ii) the purposes for which they are being or are to be processed, and
(iii) the recipients or classes of recipients to whom they are or may be disclosed,



(c)
to have communicated to him in an intelligible form—
(i) the information constituting any personal data of which that individual is the data subject, and
(ii) any information available to the data controller as to the source of those data, and



(d)
where the processing by automatic means of personal data of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct, has constituted or is likely to constitute the sole basis for any decision significantly affecting him, to be informed by the data controller of the logic involved in that decision-taking.




(2) A data controller is not obliged to supply any information under subsection (1) unless he has received—

(a)
a request in writing, and



(b)
except in prescribed cases, such fee (not exceeding the prescribed maximum) as he may require.




[F2 (3) Where a data controller— (a)
reasonably requires further information in order to satisfy himself as to the identity of the person making a request under this section and to locate the information which that person seeks, and

(b)
has informed him of that requirement,


the data controller is not obliged to comply with the request unless he is supplied with that further information.]


(4) Where a data controller cannot comply with the request without disclosing information relating to another individual who can be identified from that information, he is not obliged to comply with the request unless— (a)
the other individual has consented to the disclosure of the information to the person making the request, or

(b)
it is reasonable in all the circumstances to comply with the request without the consent of the other individual.




(5) In subsection (4) the reference to information relating to another individual includes a reference to information identifying that individual as the source of the information sought by the request; and that subsection is not to be construed as excusing a data controller from communicating so much of the information sought by the request as can be communicated without disclosing the identity of the other individual concerned, whether by the omission of names or other identifying particulars or otherwise.


(6) In determining for the purposes of subsection (4)(b) whether it is reasonable in all the circumstances to comply with the request without the consent of the other individual concerned, regard shall be had, in particular, to— (a)
any duty of confidentiality owed to the other individual,

(b)
any steps taken by the data controller with a view to seeking the consent of the other individual,

(c)
whether the other individual is capable of giving consent, and

(d)
any express refusal of consent by the other individual.




(7) An individual making a request under this section may, in such cases as may be prescribed, specify that his request is limited to personal data of any prescribed description.


(8) Subject to subsection (4), a data controller shall comply with a request under this section promptly and in any event before the end of the prescribed period beginning with the relevant day.


(9) If a court is satisfied on the application of any person who has made a request under the foregoing provisions of this section that the data controller in question has failed to comply with the request in contravention of those provisions, the court may order him to comply with the request.


(10) In this section— “prescribed” means prescribed by the [F3 Secretary of State] by regulations;

“the prescribed maximum” means such amount as may be prescribed;

“the prescribed period” means forty days or such other period as may be prescribed;

“the relevant day”, in relation to a request under this section, means the day on which the data controller receives the request or, if later, the first day on which the data controller has both the required fee and the information referred to in subsection (3).




(11) Different amounts or periods may be prescribed under this section in relation to different cases.
[F4 (12) A person is a relevant person for the purposes of subsection (4)(c) if he— (a)
is a person referred to in paragraph 4(a) or (b) or paragraph 8(a) or (b) of Schedule 11;

(b)
is employed by an education authority (within the meaning of paragraph 6 of Schedule 11) in pursuance of its functions relating to education and the information relates to him, or he supplied the information in his capacity as such an employee; or

(c)
is the person making the request.]


[ F5 (12) A person is a relevant person for the purposes of subsection (4)(c) if he— (a)
is a person referred to in paragraph 1(p) or (q) of the Schedule to the Data Protection (Subject Access Modification)(Social Work) Order 2000; or

(b)
is or has been employed by any person or body referred to in paragraph 1 of that Schedule in connection with functions which are or have been exercised in relation to the data consisting of the information; or

(c)
has provided for reward a service similar to a service provided in the exercise of any functions specified in paragraph 1(a)(i), (b), (c) or (d) of that Schedule,


and the information relates to him or he supplied the information in his official capacity or, as the case may be, in connection with the provision of that service.]

The important bit above in red.

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