Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Page 1 of 2 1 2 LastLast
Results 1 to 20 of 31
  1. #1

    Default 6 year limit - Has anyone gone to ICO to challenge?

    Hello.
    Many of us suspect that banks hold information on us that go back beyond the 6 year statutory limit but when you send a SARicon, thatís usually all they send you. I was wondering - has anyone complained to the ICOicon about this and have the ICO checked it?


  2. #2
    Site Team The Consumer Action Group BankFodder's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2006

    Posts
    28,954
    Blog Entries
    17

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    I have no idea where you come up with this idea of a six-year statutory limit.

    There is no such limit. If you supply a Subject access requesticon then the institution that you are dealing with is required to supply all data which they hold on you – regardless of the age of it.

    Of course some of the banks have been up to dirty tricks. In the past, Santander, Barclays, Lloyds have tried to withhold data that is older than six years. Some of them have said that they no longer hold it. In fact all of these institutions hold data going back at least two the year 2000 and in fact about 10 years ago I interviewed a woman who had previously worked for the archive centre of the Abbey National – subsequently Abbey – subsequently Santander and she told me that they kept all their data going back to 1933 at an archive centre in Leighton Buzzard.

    I have no idea whether this still exists or has been destroyed. NatWest and RBSicon have an archive centre somewhere – but I can't remember where. Lloyds have an archive centre in Andover and if you search this form for Lloyds and Andover, you will find the address because I posted it up 2 or 3 times now.

    Quite recently I spoke to some Lloyds staff at their PPIicon centre and one of them told me that she herself didn't realise that they kept data older than six years. She was under the impression that it was no longer available because it had been destroyed. These are the kind of dirty tricks that Lloyds plays on its customers and they manipulate their own staff in order to achieve their ends.

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1

  3. #3

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Brilliant, thank you. The bank concerned is HSBC and the loan was, unfortunately, back in 1998. I have once, many years ago, sent a SARicon and they said something like they only keep it for six years. So, if I do it again and get the same answer, what then, please? Also, do Experian, etc keep records going back that far?


  4. #4
    Site Team The Consumer Action Group BankFodder's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2006

    Posts
    28,954
    Blog Entries
    17

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Do you have a copy of the letter in which they said that they only keep data for six years?

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1

  5. #5

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Oooh.....let me take a look....


  6. #6

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Apologies for this, I cannot find them.
    However, could someone point me towards the appropriate SARicon to send HSBC for my data on this wonderful site. I am unable to find it, but then my navigation skills are not good....they're awful!!!


  7. #7

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    just click SARicon in your post

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  8. #8

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Quote Originally Posted by BankFodder View Post
    Do you have a copy of the letter in which they said that they only keep data for six years?
    Although I am sending an SARicon by post,
    I rang HSBC up earlier and it took 30 minutes for the person to tell me that they can see that I have had 5 loans and one 'Flexiloan' account,
    he could only see the dates of 5 May 2004 and 7 December 2015 and said that he will "pass on the request for more details,
    including whether or not I had PPIicon to the 'Specialist Team' to double check"
    and noted that HSBC had sent me a letter in 2013 declaring that they could see that I had loans
    , due to the Data Protection Act,
    they do not hold data for more than six years'.

    I have asked for a copy of this letter to be sent again to me.

    Thoughts?


  9. #9

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    you are talking here about HFC or beneficial finance you

    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  10. #10

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Quote Originally Posted by dx100uk View Post
    you are talking here about hfc or beneficial finance you

    dx
    hsbc.


  11. #11

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Quote Originally Posted by BankFodder View Post
    Do you have a copy of the letter in which they said that they only keep data for six years?
    Finally got this for you....and then some:

    Don't hate me for this but before I get around to sending a SARicon, I just thought, out of curiosity, I would try them direct.

    This is what I received - they include the quotes 'ensure records are identified and securely retained for the appropriate period of time, and destroyed / deleted in a controlled manner on expiry of the retention period' and

    'Please note that we only hold paperwork for the last 6 yearsicon in accordance with The Data Protection Act'.

    Your thoughts, please?

    Links to letters here:
    https://drive.google.com/open?id=1-i...MGSRWCr59mT1p1

    https://drive.google.com/open?id=1qw...W857oZ8sBISGZo


  12. #12

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    those the exact words used to IMS21 and myself from HFC back in the day. [which is why I mentioned them]

    we actually found out that they had not destroyed the data outside of 6yrs at all.it was a lie!.

    if remember correctly we both sent a request in for a signed certificate of destruction from the data controller guaranteeing that the data has been securely destroyed, they then suddenly found it all.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  13. #13

    Default

    That is just wonderful!!!
    SARicon it is then. However, I think I'll send that letter to the Data Controller....just got to find out who it is!!

    However, now due to GDRP, won't Banks be jumping to attention and actually deleting all this data (for their own benefits)?


  14. #14

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Quote Originally Posted by dx100uk View Post
    those the exact words used to IMS21 and myself from HFC back in the day. [which is why I mentioned them]

    we actually found out that they had not destroyed the data outside of 6yrs at all.it was a lie!.

    if remember correctly we both sent a request in for a signed certificate of destruction from the data controller guaranteeing that the data has been securely destroyed, they then suddenly found it all.
    Sorry for the delay here, is this what I should now do?

    I have sent an SARicon by Recorded Delivery last week but I'd like to address this letter, if I can.

    Is there a specific template to ask for proof that they have destroyed / no longer have the data?

    As soon as you let me know, I'll get on it!!


  15. #15

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Exhaust Sat 1st

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  16. #16

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Quote Originally Posted by dx100uk View Post
    Exhaust Sat 1st
    ???


  17. #17

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    autocorrect strikes again
    exhaust the SARicon process 1st

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  18. #18

    Default

    Update here:
    On 7th January I sent the following SAR to HSBC by 'signed for' post:
    HSBC Bank Plc
    8 Canada Square,
    London,
    E14 5HQ


    7th January 2019


    Dear Sir/Madam


    General Data Protection Regulationsicon - Subject access requesticon
    ACCOUNT /REF NUMBER xxx

    [template removed - please read its top line! - dx]

    Up to this point, all I have received are two letters both addressing a loan each but both stating that they no longer have records of them. This is not what I asked for.
    The latest letter, received this week, is below:

    (I tried to uploadicon it as a PDFicon after I had converted it but I received a message saying that 'you do not have permission to upload that file or format'??)

    Attached Files Attached Files
    Follows
    0
    Following
    0

  19. #19
    Site Team The Consumer Action Group BankFodder's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2006

    Posts
    28,954
    Blog Entries
    17

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    There is no provision in the data protection act that says that data must be destroyed after six years. It simply requires that data is not held longer than is necessary.

    Is the account you are referring to closed or not closed? Are you currently a customer of this bank?

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1

  20. #20

    Default Re: 6 year limit - Has anyone gone to ICO to challenge?

    Thank you.
    I am still a customer. I have more than one account with them. Of the six different 'loan accounts', I still have one, I think.
    I'm quite cheesed off that they seem to be viewing the SARicon as simply a token request for details of the loans. Am I being too sceptical here....or do they know exactly what they are doing here?


Page 1 of 2 1 2 LastLast

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details