Clydesdale finance and time ret finance

[blacksheep1979]

Hi guys - after bit of advice again

Just realised yesterday that these gits have probably banged a load of charges on accounts that I used to have with them, so thought I'd try do something about it.

Now I don't have the account numbers any more so rang clydesdale but they had no record of me at the address which I took the account out at?!? They suggested I contact the bank for the details of the direct debit which I have just done (and tried to do for time ret finance as well) now the bank has no records of these direct debits but I have my bank statements in front of me with these direct debits coming out of my account.

My question - how do I get the account details and is the bank in breech of the direct debit guarantee/data protection for not keeping these details for six years (it was 3 years ago the dd's)?

Also how should I proceed to get the account details?

any help greatly appreciated

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[sar011279]

I've also spoken to Time Retail Finance today (also have no account number) who have told me that since my account is closed they no longer have any of my details!! What rubbish. When I pressed them harder they suggested writing to the Corporate compliance dept with my Subject Access Request.
Send the Data Prot Subject Access Request letter, enclosing the £10 and all your details and let them do the running around finding your old account, just sit back and dream of what you'll do with all that cash!
Am I right in remembering that they used to charge £50 for late payment?

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[blacksheep1979]

Think it was like £50 # £30 for missing and £20 or so for the automatic letter they sent you - gonna have a few hundred off the gits

[sar011279]

Hell yeah! Good luck!

[blacksheep1979]

and you

[moltonbrownqueen]

hi there
i've been trawling the threads looking for someone who is tackling TIME. I managed to find 1 old statement, phoned them, and they told me it would be £1 per sheet for my account transaction details. will now request info via Data Protection Act (Subject Access Request) letter.

These b*gg**s caused me tremendous stress, and only earlier this year i finished paying off the debt via a credit collector which has taken 4 years.

Bad times!

But now we have the power.

Good times!

I'll be following your thread, maybe we can compare notes along the way.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[blacksheep1979]

Ok guys slight mod to the S.A.R - (Subject Access Request) as no account details if someone could give feedback I'd appreciate it

Data Protection Act 1998
Subject Access Request

Dear Sir/Madam


Account at address xxxxxxxxxxxxxxx
For direct debit amount £xxxxx
Direct Debit in effect from Oct 2002

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

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 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 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

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.


Yours faithfully,




Oh and are they gonna be funny as I'm now at a different address to the one I'm asking for details from?

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[moltonbrownqueen]

hi blacksheep
i've just done a Subject Access Request for my partner. on the bottom of the letter i just put 'the address at the top of this letter is my current address, to which you can communicate my private business'.

As to no account no. i'm sure they'd be able to retrieve the info from your previous address. i'm pretty sure they have to hold info for at least six years for just this purpose. (but don't quote me on that ) and an Subject Access Request should do the trick.

I would say once you send the Subject Access Request the ball is firmly in their court to supply the information to you.

best luck

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[blacksheep1979]

right will pop that in the post tomorrow - cheers for the advice giys

[blacksheep1979]

Now I have a lsight other querey - as Clydesdale finance have no record of having any dealings with me, how can they justify the default on my account?

Do I just write to them stating pretty much the above - that as they have no reccord of having a contract with me then they have inaccurately put something detremental on my credit record - and can I try claim compensation for this?

[sar011279]

Might be worth putting it into writing before you go any further, you must be somewhere on their system!

[blacksheep1979]

Well If I'm not on their system I'll be trying to claim back the £1k + I've paid to them as if I don't have a contract therefore no reason to have given them any money - starting to hope they have lost my details now

[JMio]

Hiya - what address did you send these to please?

I'm compiling a Store Cards contacts list to make things easier for future claims.

Addresses for both Time & Clydesdale Finance would be great if possible...

Thanks

[blacksheep1979]

Just looked em up on the companies house website but used:

Time Retail Finance
Hepworth House
Claypit Lane
Leeds
West Yorkshire
LS2 8AE


Clydesdale Financial Services Ltd
1 Churchill Place
London
E14 5HP

and if you're interested have been in contact wit hitachi and aktiv their addresses are:

Hitachi Capital (UK) PLC,
Wallbrook Business Centre,
Green Lane,
Hounslow,
Middlesex,
TW4 6NW

Aktiv Kapital (UK) Ltd
Merchants House
Hamilton Place
Chester
Cheshire
CH1 2BE


hope they help some of you

[JMio]

Fantastic - that's exactly what I'm looking for, thank you!

[sar011279]

Originally Posted by blacksheep1979

Well If I'm not on their system I'll be trying to claim back the £1k + I've paid to them as if I don't have a contract therefore no reason to have given them any money - starting to hope they have lost my details now

Yeah right, hadn't though of that. Hope they've lost mine too! We both had an account with a limit of £2.5k each!!

[chilli50]

hi. i will be starting my own thread on this but i do have a question. i have received a load of printouts from time along with a note of explanations for the abbreviations. it says that the document CES3 has details of any arrears etc. there are system copies of my monthly statements which i should be able to read easily, but i cant understand a word of. i cant seem to find any charges, which i know i have a fair amount of, but if i cant find any how can i work out what they have charged me? . does anyone know how much they charge for an unpaid direct debit and a letter? ill have to go through the statements again and see if i can figure things out but this info would be a great help as i would at least know what to look for. does that make sense?
thanks for any help received

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[Treacle's Dad 44]

Hi Chilli, did you have your account through Clydesdale Financial Services? (Address as in Glasgow 10000 Academy Park, Gower Street, Glasgow G51 1PR)
I have had 2 accounts now sold on (alledgedly) to Capquest and Cabot.
Looks like they are panicking as to the whereabouts of the originals of deeds and agreements! Send a letter to the above, and you will receive your statements and a load of sheets with codes etc on them. ignore the codes etc, this just tracks the phone calls and letters sent to you. i am now claiming just over £1100.00 for the 2 accounts.....they have until Wednesday to reply to my Prelim letter and then it's my L.B.A.......roll on the 26th......i,ll keep you informed.
Cheers T.D.

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

[chilli50]

hi. im not sure who it was with really. the address on the letter i received says
Time Retail Finance Limited
Selectapost 17
Rotherham
S97 3BS
from Adam Hodgson
Corporate Compliance
anyone hear of him?

[chilli50]

do i need to send another 10?