In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR

Finally got my SAR from Scottish Widows Looks like every yearly statement from 2013 to Present Day has been going to the incorrect address. They have redacted, with a black box, all the incorrect address details etc but left the other persons National Insurance Number clear. No Statements prior 2013 for some reason, which is strange, considering the Insurance was opened in 1999. What are your thoughts guys See below, Red has been done by me, the black squares by Scottish Widows sar.pdf

Thanks BankFodder I have called Scottish Widows now and spoken to 'Rose' to request a Subject Access Request, She has never heard of a Subject Access Request before but will get somebody who knows, to action this. I will be surprised if this turns up. Should I send a request in the post and is there a standard letter template available to use?

Recently I thought I would check how my pensions are doing and noticed that I have been paying Scottish Widows £6 per month for the last 25 Years and tried to find any paperwork I have regarding this pension. I did find the original pension plan letter with the policy number etc but nothing else. I called them to see why I have not received any updated statements etc, only to find they have the completely wrong address and contact details on record for this account and the wrong NHI number. The name on the pension and my bank details are correct but everything else is somebody else. I made a complaint so I can get to the bottom of why this has happened and this is still ongoing, they offered me £500 as compensation and said they have corrected all the mistakes and will send out an updated statement. I received the updated statement yesterday but it also seems to be incorrect, with payments different from ones being paid from my account to the ones shown on the statement. I'm concerned about what information the person at the address has about me over the last 25 years. Any advice on what actions I should take would be appreciated. Mark

thx dx100uk When completing the PAP, I ticked BOX D (I dispute the debt) how should I word the "I dispute the debt because........" I have also ticked the BOX I (I need more documents or information) and said in the "I need a copy of....." I just said Please see attached copy of the CCA request sent to Hoist Portolio Holdings Shall I send the completed PAP to Howard Cohen Sols with the attached copy of the CCA request and send the CCA request and £1 payment to Hoist Portfolio Holding Please advise if incorrect pls Mark

The last token payment (£1) was on the 15th May 2012

Here is the CCA which I received when requested and additional pages of terms and conditions egg_1.pdf

Please can someone give me some advice. Received "letter of claim" from Howard Cohen Solicitors today who have been instructed by Hoist Portfolio Holding Ltd, who purchased an ex Egg/Barclaycard acc. History... 16/6/2009 Received “Default Notice” 7/7/2009 I sent letter to Egg requesting the CCA 8/8/2009 I sent letter to Egg requesting if I could make token payments to the account and they accepted 20/8/2009 I sent letter to Egg informing them they have entered default for not providing CCA, I sent another letter stating this on 6/10/2009, a follow up letter on 19/10/2009 as no response. 15/10/2009 Letter from Egg stating what they sent constituted as a copy of the executed agreement (which I never received) 1//2/2010 Received another “Default Notice” 2/3/2010 Egg card terminated 4/4/2010 Finally received a response for the CCA request but only received, which seems to be an agreement/terms of conditions with my name and address printed on and pages of terms and conditions. The signed agreement was not included. 4/2/2012 Received letter from Barclaycard stating they are taking over Egg 22/7/2013 Received letter from Barclaycard informing they have passed acc to Robinson Way for collection 26/7/2013 Received letter from Robinson Way requesting payment 29/7/2013 Sent letter to Robinson Way requesting the account be returned to Barclays for resolution 25/2/2015 Barclays transferred £700 from another account to this account to set off against the balance but after speaking to them on phone they reversed the payment. 9/8/17 Received letter from Barclaycard informing me the acc has been transferred to Hoist Portfolio Holding Ltd who are the new owners 10/8/17 letter from Robinson Way stating their client (Hoist Portfolio) have instructed them to agree with me a payment plan 25/9/17 Letter (Pre-Legal) from Robinson Way stating the acc meets their criteria to be considered legal account and if no payment plan is agreed they will instruct Howard Cohen & Co Solicitors. 28/11/17 “Letter of Claim” received from Howard Cohen & Co Solicitors informing me their intention to issue proceedings in the County Court Should I send the PAP form from this group stating acc in dispute as no signed agreement has been received when the CCA was originally requested? many thanks in advance Mark (sorry for the confusion with the other thread) jpg2pdf.pdf

Sorry Guys I have my wires crossed here...this "Letter Of Claim" has been sent to me in regard an Egg card (Which was taken over by Barclaycard). so this is in the wrong thread...with a whore different set of circumstances. Mark

thx dx

Thanks you. I really dont want to give them my phone number or email address, do I have too?? also do I have to fill in the "Customer Financial Statement" which was sent with the letter? Mark

Thanks again guys So please can you advise me of my next steps Mark

Ok dx100uk I have converted them into one pdf Mark jpg2pdf.pdf

Many thanks Guys Im not sure if the attached letter is a pap M

Please can someone give me some advice. Received "Letter Of Claim" from Howard Cohen Solicitors today who have been instructed by Hoist Portfolio Holding Ltd, who purchased an ex Barclaycard acc. Im sure this account is Statute Barred as no payments have been made to the account or acknowledgement of the debt in the last 8 years. Only problem I had was about 2 years ago when Barclays took out £700 from another account and applied it to this account, but I got them to overturn this and move the funds back to the original account. I dont know what to do, pls can anyone help many thanks in advance M