Hi all I am pursuing quite a few PPI / SAR claims for myself and wife which is not easy as you all know. This is on behalf of the wife----I asked LLoyds TSB for a SAR in Jan 2013 after a load of letters etc etc etc I finally recently recieved a SAR pac. All info relating to PPI is missing and some information blacked out?? What are they playing at, has anyone else experienced this? My wife had several financial products with this bank going back years and did actually try to claim years ago when she was out of work, she was selfemployed at the time and they told her the PPI was not relevant to her, but no sign of this is the SAR they sent back?? What should I do, HELP? Cheers Stuart

Tedney I have nothing to loose but to use try your address ?? Thanks and keep your fingers crossed. Anyone else had any sucess with GE Captial Woodchester.

Dx100 thanks for your reply, regarding paperwork all I have is a letter from when the Agreement was settled a "Certificate for agreement number XXXXXXXXX " It shows the date and account number and I also have a few bankstatements showing cash paying off the loan. I am still wondering if I have hit a brick wall ?? Not sure what you mean DX100 "see if you can work it out by using others GE money PPI threads" ?? Any other idea's, hads anyone out there actaully got SAR info from these clowns?

Sent out letter 1 sent a standard SAR to Santander. Received repy from GE saying "we cannot find your account, if you account was closed more than six years ago we will no longer hold any records" I don't belive it ! Sent out letter 2. Received a reply from GE saying "we are unable to locate any account" please note in late 2011 we underwent a system change and no longer able to access accounts close over 6 years ago" and gave me the address on letter 3 Sent out letter 3. Received a letter saying cannot locate accounts... standrad rubbish.. other people on this forum are getting info dating back this far now getting a headache, here are all my letters sent below... LETTER 1. PPI Complaints Santander UK PLC PO Box 6197 Milton Keynes MK10 1UY Date 06 MAR 2013 RE: SUBJECT ACCESS REQUEST Dear Sir/Madam Please send me ALL data that your company holds relating to my entire account history.INCLUDING : Agreement number xxxxxx GE CAPITAL WOODCHESTER. 1995 – 1999 car finance (Reg xxx xxx) Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. (My D.O.B. is xxxxx) xxxxx DO NOT SEND ANY xxxxx CORRESPONDANCE xxxx TO THIS ADDRESS Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account. I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice. All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days. In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves. It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal. Whilst not exhaustive and for the avoidance of doubt I shall list what I require: Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same. * Copies of all statements relating to the above accounts. * Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts. * Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them. * Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. * Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party. * Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information. *Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party. * Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. You have 40 days to comply with this request. If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution. Yours faithfully, LETTER 2. GE MONEY SERVICES LIMITED BUILDING 4, HATTERS LANE CROXLEY GREEN BUSINESS PARK WATFORD, HERFORDSHIRE WD18 8YF Date 16 MAY 2013 RE: SUBJECT ACCESS REQUEST Agreement number: XXXXXX GE CAPITAL WOODCHESTER. 1996 – 1999 car finance (Reg XXX XXX) Dear Sir/Madam I issued your organisation with a “Subject Access Request” (Dated 06/03/2013 ref XXX, see attached) which you received 08/03/2013 (See your stamp on attached copy of my letter).You responded to my request with a letter (undated and with no reference or reply address, see attached) requesting me to provide additional specific information. Please find enclosed a copy of your original letter with the requested information completed in the boxes supplied in your letter, showing full name, present and previous addresses, reference number, purpose of loan and dates account opened and closed. Also my date of birth is XXX . I also purchased the car from Fords of Windsford in 1996. (Fords of Winsford Ltd Weaver Valley Road, Winsford, Cheshire CW7 3AL Telephone: 01606 866199 ) Also please find attached a copy of “Certificate of Completion” letter your organisation sent to me on the 4th August 1999 when the finance had been settled. Also please find attached a copy extract form one of my bank statement showing a monthly repayment to your organisation. I have years of bank statements showing regular monthly payments of £217 to this account concluding on 21 June 1999 with a final payment of £242.00. My statements also show the reference number stated above (XXXXX) Details on the Information Commissioner’s office official website state that you can ask for additional information before responding to a subject access request. See extracts below. “The Act allows you to confirm two things before you are obliged to respond to a request.” “First, you can ask for enough information to judge whether the person making the request is the individual to whom the personal data relates. This is to avoid personal data about one individual being sent to another, accidentally or as a result of deception.” “The second thing you are entitled to do before responding to a subject access request is to ask for information that you reasonably need to find the personal data covered by the request. Again, you need not comply with the subject access request until you have received this information. In some cases, personal data may be difficult to retrieve and collate. However, it is not acceptable for you to delay responding to a subject access request unless you reasonably require more information to help you find the data in question. Source : http://ico.org.uk/for_organisations/data_protection/the_guide/principle_6/access_to_personal_data#moreinfo I believe the information I have now provided is reasonable enough for you to locate the personal data covered by my original subject access request? If this is not the case please reply to me stating reasons why you cannot locate any data using to the information I have supplied. Where any previous information or records held have been deleted or disposed of, you have a duty to provide descriptions of the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. May I remind you that a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. I also request you to provide me with the organisation of underwriters involved in the processing of this loan at the time. To avoid confusion please supply the name and current contact details including the current name and address of the underwriters. I expect to receive all data that your company holds relating to my entire account history to be sent to me as per the Data Protection Act (DPA) 1998, as stated in my originally submitted “Subject access request” (Dated 06/03/2013 ref xxxxxxx see attached). Please also find all copies of previous correspondence attached. You can find advice on the ICO’s website on how to deal with a subject access request [ico.gov.uk/sar] and information on their powers and the action they can take [ico.gov.uk/action] or call them on 0303 123 1113.If there is anything you would like to discuss, please contact me on the following xxxxxxxxxxx. I hope this information enables you to locate the information originally requested and this will not meet with any further additional delays. I expect a reply within 7 days and look forward to receiving all documents for the account stated above. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. yours faithfully, LETTER 3. SANTANDER ABBEY NATIONAL HOUSE 2 TRITON SQUARE REGENTS PLACE LONDON NW1 3AN Date 04 JUNE 2013 RE: LETTER BEFORE ACTION - SUBJECT ACCESS REQUEST Agreement number: XXXXXX GE CAPITAL WOODCHESTER 1996 – 1999 car finance (Reg XXX XXX) Dear Sir/Madam I issued your organisation with a “Subject Access Request” (Dated 06/03/2013 Ref XXXXX) which you received 08/03/2013, see copy attached showing your dated received stamp returned copy of my letter). You responded some weeks later to my request with a letter (undated and with no reference or reply address) requesting me to provide additional specific information. I replied to this letter (Dated 16/05/2013 Ref XXXXX) you replied to my letter (undated and with no reference) stating that I contact Santander at the above address. I contacted Santander in my original “Subject Access Request” (Dated 06/03/2013 Ref XXXX) however all subsequent replies have been received on GE headed paper. I am now being asked to contact Santander AGAIN at a different address, this conduct is not professional and of an incompetent nature alternatively your organisation is being deliberately obstructive? You have supplied no documents in response to my Data Protection Act information request. You have failed to provide a complete list of transactions and charges You have provided no notes, or documents relating to any legal action between you and myself. You have provided no notes, or documents relating to instances of manual intervention. This is not an exhaustive list by any means, it is just an example of some of the information I am missing. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. I expect to receive all data that your company or any document storage facility employed by your company, relating to my entire account history to be sent to me as stated in my originally submitted “Subject access request” dated 06th March 2013 Please also find all copies of all correspondence attached. If you do not respond or comply fully with my Subject access request within 7 days, I shall pursue a complaint with the ICO, and consider an application to the County Court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully, Stuart Tudor

Hi all I am just trying to get my SAR... with no hope I have had knock backs and excuses from other banks but persevered and finally got my SAR's but with Satan’s bank this is proving more difficult, I am just getting standard knock back after knock back, passed form dept. to dept. I feel like giving up with this one.....?? I have also asked for the underwrites and just been ignored. This is chasing a car loan from Foods of Windsford 1996 GE were the finance house, I know it had PPI I remember the salesman telling me I wouldn't get the car if i didn't take the PPI I was in my early 20's and he took advantage, any ideas anyone???

Hi dazza12 I am just trying to get my SAR... with no hope I have had knock backs and excuses from other banks but persevered and finally got my SAR but with Satan’s bank this is proving more difficult, I am just getting standard knock back after knock back, passed form dept. to dept. I feel like giving up with this one.....?? I have also asked for the underwrites and just been ignored. This is chasing a car loan from Foods of Windsford 1996 GE were the finance house, I know it had PPI I remember the salesman telling me I wouldn't get the car if i didn't take the PPI I was in my early 20's and he took advantage, any ideas?

Dazza12 I have asked them this.....I am loosing hope.....has anyone chas a successful PPi claim from this bunch? " Where any previous information or records held have been deleted or disposed of, you have a duty to provide descriptions of the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. May I remind you that a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all.

I am also fighting with SATAN to get my SAR after being passed form Santander to GE then back to Santander and also MBNA after a slight fight gave me all info back to 1995

Ok I sent out a standard template SAR letter and they sent back a letter saying "They were unable to match the details I had given them with the details on their system after cashing my cheque and attempting to re-issue me with a cheque" I wrote back to them twice I waited weeks then just as I had had enough and was going to report to the ICO three envelopes arrived with all statement printouts and the credit card agreement dated back to 1995. Ok I have found that SOME standard letters from the banks that I have received say things like this "They do not hold any information prior to ****" it's rubbish, ready them carefully, does it say "we may not hold information prior to ****" ?? I would write back and rather than accepting a sweeping statement (Which is obviously untrue) demand that they tell you why and how your info has been distroyed keep pushing and don't be put off by the rubbish in their letters, you can always pass it onto the ICO if you are unhappy (Which I have with RBS) via email, very easy it just takes time for them to get back to you Something like this..... "Where any previous information or records held have been deleted or disposed of, you have a duty to provide descriptions of the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. May I remind you that a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all." Here are the two letters I sent back to them Dear Sir/Madam, I recently wrote to you at the above address regarding a “Subject Access Request” enclosing the statutory maximum fee of £10, requesting all data that your company holds relating to my entire account history to be sent to me as per the Data Protection Act (DPA) 1998. (See copy letter enclosed) You replied attaching a refund cheque for £10 (Letter dated 13/March/2013, Your Ref: 7019955 which I didn’t receive it until 25/March/2013 (see copy enclosed)) requesting the information quoted below, explaining that you were unable to trace any accounts in my name. I find this difficult to comprehend as I currently hold a MBNA (Virgin) credit card see below and I stated previous relevant addresses in my previous letter, you already have this information?? My date of birth is *****, I am sure you also already hold this information. “In order for us to do this, we would be grateful if you could write to the section 78 team at our customer Advocates Office using the address below (AS ADDRESSED ABOVE) to advise us of any previous names or addresses you may have held during the life of your account and your date of birth if you have not provided it already” Please find below additional information which may assist you in achieving my original request. I hope this will enable you to trace past and present credit card accounts I have held with the MBNA as to comply with the originally submitted “Subject access request” dated 20th Feb 2013 . Please note all dates are approximate Address at the time CLOSED / SETTLED Credit Card Number ***************** 5003 From 1994 to 2003 Credit Card Number ***************** 5003 Address at the time CLOSED / SETTLED From 2008 to 2010 Credit Card Number ***************** 5003 Address at the time OPEN CURRENT From June 2011 to Date I return your cheque for £10, please accept my first cheque which has been cashed as final payment for the statutory maximum fee of £10 for processing this “Subject Access Request” You can find advice on the ICO’s website on how to deal with a subject access request [ico.gov.uk/sar] and information on their powers and the action they can take [ico.gov.uk/action] or call them on 0303 123 1113. Please may I remind you that you have 40 days to comply with this request from the date of receiving my first later (see copy enclosed) If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office which could result in a fine and prosecution. I hope this information enables you to locate the information originally requested and this will not meet with any additional unnecessary delays. l look forward to your reply. Yours faithfully, THEN I SENT THIS Dear Sir/Madam Non response to a subject access request ACCOUNTS ****,****,**** I am writing further to my letter of (Dated 27/03/2013 ref SAR MBNA 002 270313) in which I replied to your letter (dated 13/March/2013 ref **** after making a subject access request,(dated 20 FEB 2013) because I have not received any response from your organisation in relation to my last letter. As the statutory time limit for responding to my subject access request (40 days) has now expired, I would be grateful if you could provide a response as soon as possible. If I do not receive a response from your organisation within 14 days, I will submit a ‘request for assessment’ to the Information Commissioner’s Office (ICO). You can find advice on the ICO’s website on how to deal with a subject access request [ico.org.uk/sar] and information on their powers and the action they can take [ico.org.uk/action] or call them on 0303 123 1113. If there is anything you would like to discuss, please contact me on the following ***** Please also find all copies of correspondence attached Yours faithfully,

Hi all hjust to let you all know I issued MBNA with a Subject Access Request and after being messed about a little (but not as much as some banks) I have received all information MBNA hold on me for credit card dating back to 1995 upto 2003. Next step is to pursue a PPi claim, I have good reason. Good luck to you all and keep puching the banks you will get there eventually

Hear are the letter I have sent, in order, the last one is bonkers LETTER TO LTSB LLOYDS TSB PPI CUSTOMER SERVICES BX1 1LT Date 20 FEB 2013 Dear Sir/Madam Please send me all data that your company holds relating to my entire account history. Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. XXXXXXXXXXXXXXX, DO NOT SEND ANY XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE XXXXXXXXXXXX TO THIS ADDRESS Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account. I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice. All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days. In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves. It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal. Whilst not exhaustive and for the avoidance of doubt I shall list what I require: * Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same. * Copies of all statements relating to the above accounts. * Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts. * Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them. * Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. * Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party. * Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information. *Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party. * Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. You have 40 days to comply with this request. If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution. Yours faithfully, ME LETTER FROM LTSB Dear ME Your request for information under the Data protection Act 1998 Thank you for your latter dated 20th Febuary 2013 requesting information ubder section 7 of the Data protection Act 1998. Please be advised having checked our records with the information you have supplied we have not been able to trace any accounts with Lloyds TSB bank plc. To enable us to complete your request, please could you supply an account/loan/card number, or any Lloyds TSB account numbers as this may assist us in identifying your records. We are returning your request and £10 fee with this letter. Please return the request, letter-of-authority, and fee to us with the required information above. Yours sincerely Joanne Blake Data Subject Access Requests LETTER TO LTSB my branch RE: TSB BANK - ACCOUNTS / INSURANCE POLICIES INFORMATION REQUIRED Date 12 MARCH 2013 Dear Sir/Madam I recently contacted this branch via telephone (Jan 2013) and explained my concerns as I believe I had been mis-sold PPI and asked for account details which relate to, firstly a TSB loan and secondly a credit card. The employee of the bank I spoke to advised me to write to bank to obtain this information. I took out a loan with the bank TSB approximately £8000, APPROX 1995 / 1996 /1997 my address at the time was, see below. I also had a TSB Credit card around this time. XXXXXXXXXXXXXXX, DO NOT SEND ANY XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE XXXXXXXXXXXX TO THIS ADDRESS My date of birth is 12/04/1971, if there is any other specific information which you require in order to satisfy yourself as to my identity, please let me know by return. Please can you supply me with the account numbers for both the loan and credit card and related insurance policies so I can pursue this through the correct channels and copies of any information you may have or any other information you have regarding any other accounts I have held with the TSB bank. yOURS fAITHFULLY me LETTER FROM LTSB Loan reference number: Unknown Dear ME Thankyou for contacting us about your complaint. We are sorry this situation has occurred and we appreciate you taking the time to bring this to our attention. Our understanding of your complaint is that you are concerned about the way that you were sold PPI on your LSTB Loan. We have used information you provided with your complaint and conducted an extensive search of our systems and historical records. Having done this, we have established that you did not take out a PPI insurance with the account you quoted in your complaint. We therefore cannot investigate the complaint you have raised any further. We hope this fully explains our position. Accordingly we have closed the complaint. However if you believe our records are incorrect and have further evidence to indicate that you have purchased a PPI policy that you are dissatisfied with, please provide it as soon as possible and we will be happy to investigate. Please note, if we do not hear from you within twenty eight days from the date of this letter we will consider this our final responce and close our file without further correspondence. In addition do not hesitate to contact us on ********** Please note that, should we be unable to resolve your concern, you have the right to refer your complaint to the FOS. Any referral to the FOS must be made within six months of our final decision. I enclose a copy of the FOS leaflet. Customer services blarr blarr blarr Any help / response or experience regarding this kind of reply top a SAR would be welcome, thanks for your help and I hope this threat helps others any help I can give just ask Thanks all STUARTPPI

ims21 thanks again for your help, I am having problems finding the templates sorry to be a pain can you send me a link perhaps? Thanks again for your help in this matter

big fish, I may just also give this a try thanks, I will keep you posted

ims21 thanks for your reply, do you have any templates of letter I could copy parts from to make this clear to LTSB??

Hi all I issued a SAR to LLoydsTSB they replied asking for account numbers and returned my £10 cheque . So I sent a letter to my branch bank after calling them via telephone asking them for the account numbers which they said they would supply I received a letter today saying I have no PPI on the account information sent to them ??? What account info? They say the matter is closed ?? What nonsense, anyone else had this? Are they allowed to keep information from me because I don't have the account numbers? I need to get up in the loft ?? I am going to write them one more letter then it's off to the Information Commissioners Office me thinks? Anyone had similar?? Any advice from you lovely peeps?? wanna share their experience with LloydsTSB??