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dunnie1

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  1. OK, fair enough. Thanks for advice - yeah, think how many people have just accepted the figures and allowed them to get away with 5% - all adds up..
  2. Not sure why you'd want a pdf - the image I posted was not blurry, upside down, difficult to read etc and I've posted images of text before - I've also used text to pdf scanners and the quality is in fact worse than the image I posted... Anyway, the contents are discussed in my previous post so the image of the letter was a nice to have, not vital to understanding next steps -to which I wondered if you had any advice or if there are any templates which challenge an underpayment of contractual interest? Also, is it usual to have income tax applied and should I challenge that or claim back from IR? Thanks.
  3. Ok, I have an update: Loan claim - still being processed due to backlog, with Canada Sq Op apologising and stating they need another 8 weeks Credit card claim - Complaint upheld and offered £1078.05 as F&F settlement - However - this is less than I asked for (my original details below) "Credit card PPI payments between 11/06/2002 and 01/11/2006 @ APR 13.9% amount to £714.14, and with statutory 8% interest applied this totals £1,444.08 as at 22/07/2019, with interest accruing daily." The shortfall is due to Canada Sq Ops using a contractual interest rate of 5.425% instead of 13.9% which I intend to challenge. Additionally, I have been charged basic rate tax which was unexpected - I understand I can claim this back from the Inland Revenue though, or is this another underhand tactic? Thanks, Dunnie1
  4. first draft Dear Sir/Madam, Ref: Credit Card: **************** Personal loans ****/****/****/**** I believe I have been mis-sold three payment protection policies and would like to request a full refund of my premiums, plus interest paid. Credit card PPI payments between 11/06/2002 and 01/11/2006 @ APR 13.9% amount to £714.14, and with statutory 8% interest applied this totals £1,444.08 as at 22/07/2019, with interest accruing daily. Personal loan PPI payments across the four loans (including one partial PPI rebate) total £231.89, with statutory 8% interest applied this totals £547.32 s at 22/07/2019, with interest accruing daily. The reason I was mis-sold PPI is because I was unaware I had bought it, and therefore the following applies: · I was not asked whether I had any other insurance which would cover the loan. · I was not told I could buy PPI elsewhere to cover the loan\credit card. · I paid upfront for the PPI but it was not explained that there were some PPI policies where you could pay monthly. · My PPI was an upfront premium and I repaid the loan early and received only a partial refund. I received no refund on the final loan that went into default. · The Terms & Conditions of the small print were not fully explained to me. · You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do. · In forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory · No refund was applied once the products went into default, nor was it explained to me that I having become unemployed, I was able to claim – I was instead subject to repeated calls asking for the money to be re-paid, and eventually the debts were sold to DCA’s – this significantly contributed to my financial distress and prolonged my struggle to re-gain credit-worthiness, my health (Chronic stress and anxiety) and ultimately gainful employment. Insurers are under an obligation to ensure that the policy they are selling is clearly included in T&C’s, and options for claiming against the policy are clearly articulated to the potential claimant. I am requesting a full refund of all my insurance payments, plus interest, which total £ 1991.40 (as @ 22/07/2019). If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman. Yours sincerely,
  5. So, next steps? FOS questionnaire isn't it? What do I include in this as I was never aware of having PPI, and was never offered the opportunity to claim when I went into default - this seesm worth including I would have thought.
  6. I default on the loan after the 7th payment and it eventually gets sold to a DCA, starting a downwards spiral towards bankruptcy (avoiding it ultimately) - Had I known I had PPI, I might have attempted to claim it.. that is the sum total of payments I made on loan 4 - I think that's why I was rolling the loan amounts over, sub-consciously I was trying to maximise the claim..
  7. Its probably the PPI rebate of £97.56 making it seem lower than you'd expect maybe loan 1 - no ppi loan 2 - ppi loan 3 - no ppi, loan 4 - ppi so I would expect %age PPI to drop, as I had PPI rebate and had already repaid some of the PPI which rolled into a loan with no PPI, as per below. 4 monthly repayments made (on 22/12/2001, 22/01/2002, 22/02/2002, 22/03/2002) which equates to total PPI paid on this loan: 4 * £13.26 = £53.04 PPI carried over to loan 3 below = £440.50 (original PPI premium) - £53.04 (amount repaid) - £97.56 (PPI rebate) = £289.90 PPI proportion of loan 3 = £289.90 / £2,760.00 * 100 = 10.50% I've used mthly payment amounts (which includes APR) to derive the ppipcm, and opening balance of the loan the other side /. there is no information in my SAR to determine whether this includes front loaded interest (or any other type) or whether its all in the mthly payments. the subsequent opening balances upon re-finance would include it though I would have thought. So in summary I'm not sure what other figures I could have used. I'll post a screenshot of loan 3 shortly.
  8. Ok, I've got it now Loan 1 – 08/08/2000 No PPI Loan 2 – Refinance of Loan 1 – 13/11/2001 Borrowed £2,880.00 PPI premium for loan 2 £ 440.50 --------------------------------------------------------- Total Loan 2 Amount £3,320.50 PPI proportion of loan 2 = £440.50 / £3,320.50 * 100 = 13.27% Monthly repayment = £99.89 Therefore, PPI element of repayment = £99.89 * 13.27% = £13.26 4 monthly repayments made (on 22/12/2001, 22/01/2002, 22/02/2002, 22/03/2002) which equates to total PPI paid on this loan: 4 * £13.26 = £53.04 PPI carried over to loan 3 below = £440.50 (original PPI premium) - £53.04 (amount repaid) - £97.56 (PPI rebate) = £289.90 Loan 3 – Refinance of Loan 2 – 09/04/2002 Borrowed £2,470.10 PPI premium from loan 2 £ 289.90 --------------------------------------------------------- Total Loan 3 Amount £2,760.00 PPI proportion of loan 3 = £289.90 / £2,760.00 * 100 = 10.50% Monthly repayment = £100.00 Therefore, PPI element of repayment = £100.00 * 10.50% = £10.50 1 monthly repayment made (on 22/05/2002) which equates to total PPI paid on this loan: £10.50 PPI carried over to loan 4 below = £289.90 (PPI premium carried over from loan 2) - £10.50 (amount repaid) = £279.40 Loan 4 – Refinance of Loan 3 – 07/06/2002 Borrowed £4,720.60 PPI premium from loan 3 £ 279.40 PPI premium for loan 4 £ 223.15 --------------------------------------------------------- Total Loan 4 Amount £5,223.15 PPI proportion of loan 4 = (279.40 + £223.15) / £5,223.15 * 100 = 9.62% Monthly repayment = £250.00 Therefore, PPI element of repayment = £250.00 * 9.62% = £24.05 7 monthly repayments made (on 22/07/2002, 22/08/2002, 22/09/2002, 22/10/2002, 22/11/2002, 22/12/2002, 22/01/2003) which equates to total PPI paid on this loan: £168.35 Total PPI Paid Loan 2 £ 53.04 Loan 3 £ 10.50 Loan 4 £168.35 -------------------------------- Total PPI Paid £231.89 Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple 22/12/2001 PPI payment of loan 2 (Payment 1 of 4) £13.26 6415 £18.71 22/01/2002 PPI payment of loan 2 (Payment 2 of 4) £13.26 6384 £18.62 22/02/2002 PPI payment of loan 2 (Payment 3 of 4) £13.26 6353 £18.53 22/03/2002 PPI payment of loan 2 (Payment 4 of 4) £13.26 6325 £18.45 22/05/2002 PPI payment of loan 3 (Payment 1 of 1) £10.50 6264 £14.47 22/07/2002 PPI payment of loan 4 (Payment 1 of 7) £24.05 6203 £32.82 22/08/2002 PPI payment of loan 4 (Payment 2 of 7) £24.05 6172 £32.66 22/09/2002 PPI payment of loan 4 (Payment 3 of 7) £24.05 6141 £32.49 22/10/2002 PPI payment of loan 4 (Payment 4 of 7) £24.05 6111 £32.33 22/11/2002 PPI payment of loan 4 (Payment 5 of 7) £24.05 6080 £32.17 22/12/2002 PPI payment of loan 4 (Payment 6 of 7) £24.05 6050 £32.01 22/01/2003 PPI payment of loan 4 (Payment 7 of 7) £24.05 6019 £31.85 AWARD CALCULATION Monthly Payment of PPI £231.89 8% Simple Interest £315.12 Total £547.01
  9. ok.. I need to remove the lump sum carry overs, what about the last one? (don't know if I settled, partially settled or full amount sold to DCA and then I settled or whether it was written off, one of the lat two probably) Loan 2 principal loan £2880.00 PP 440.50 as %age 15.29% as %age of mthly payment of £99.89=15.18 loan 3 is rebated so I just need to carry over PPI payments from loan 2 as a %age of the payments I'm making on loan 4 (plus loand 4 %age ppi) by my reckoning. I'll have another go tomorrow, too late this eve.
  10. So should I remove all lump sum rows or leave in the last one? This debt was eventually written off and sold to a DCA, and I can't remember whether it was finally written off or partially settled.
  11. Yes I am.. was starting to think I was double counting them somehow.. will do. StatIntSheet loan 12337314 v3 - Copy.xls
  12. thanks - don't rush on my account, heading out for evening in a bit (hope it is right, head hurt by the end of it!)
  13. Yes, hence the corrected post, 2nd part of previous post (annoyingly merged together for some reason)
  14. loan 1 irrelevant Loan 2 has ppipcm of 15.29% of each mthly payment, this carries over to loan 3 (no ppi added) so each ppi payment still 15.29% of mthly payment loan 4 has ppi @ 4.46%, therefore newppipcm of the mthly payments are 15.29+4.46=19.75% Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple 22/12/2001 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6367 £21.26 22/01/2002 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6336 £21.16 22/02/2002 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6305 £21.06 22/03/2002 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6277 £20.96 09/04/2002 Refinance (15.29% of outstanding balance of £3442 minus ppi rebate of £97.56 on 13/04/2002) £511.36 6259 £704.13 22/05/2002 PPI component of (previous loan carried over) mthly loan payment (15.29% of £100) £15.29 6216 £20.91 07/06/2002 Refinance (15.29% of outstanding balance of £2720.40) £415.94 6200 £567.34 22/07/2002 PPI component of (previous loans carried over) mthly loan payment (15.29% + 4.46% (new ppi premium) of £250 mthly payments) £49.37 6155 £66.85 22/08/2002 PPI component of (previous loans carried over) mthly loan payment (15.29% + 4.46% (new ppi premium) of £250 mthly payments) £49.37 6124 £66.52 22/09/2002 PPI component of (previous loans carried over) mthly loan payment (15.29% + 4.46% (new ppi premium) of £250 mthly payments) £49.37 6093 £66.18 22/10/2002 PPI component of (previous loans carried over) mthly loan payment (15.29% + 4.46% (new ppi premium) of £250 mthly payments) £49.37 6063 £65.85 22/11/2002 PPI component of (previous loans carried over) mthly loan payment (15.29% + 4.46% (new ppi premium) of £250 mthly payments) £49.37 6032 £65.52 22/12/2002 PPI component of (previous loans carried over) mthly loan payment (15.29% + 4.46% (new ppi premium) of £250 mthly payments) £49.37 6002 £65.19 03/01/2003 Refinance (19.75% of outstanding balance of £4159.38 minus ppi rebate of 109.34 on 07/01/2003) £799.88 5990 £1,054.08 Hopefully I'm on the right track here - thanks in advance! thats not right - I need to calc the %age of ppi payments of previous loans as part of the next loan payment as per the sticky Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple 22/12/2001 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6367 £21.26 22/01/2002 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6336 £21.16 22/02/2002 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6305 £21.06 22/03/2002 PPI component of mthly loan payment (15.29% of £99.89) £15.18 6277 £20.96 09/04/2002 Refinance (15.29% of outstanding balance of £3442 minus ppi rebate of £97.56 on 13/04/2002) £511.36 6259 £704.13 22/05/2002 PPI component of (previous loan carried over) mthly loan payment (12.41% of £100) £12.41 6216 £16.97 07/06/2002 Refinance (12.41% of outstanding balance of £2720.40) £337.60 6200 £460.49 22/07/2002 PPI component of (previous loans carried over) £2720 (£342 ppi minus rebate) as %age (12.57%) of mthly payment of £250 £31.42 6155 £42.55 22/07/2002 PPI component of current loan £2280 (£223.15 ppi) as %age (9.78%) of mthly payment of £250 £24.45 6155 £33.11 22/08/2002 PPI component of (previous loans carried over) £2720 (£342 ppi minus rebate) as %age (12.57%) of mthly payment of £250 £31.42 6124 £42.33 22/08/2002 PPI component of current loan £2280 (£223.15 ppi) as %age (9.78%) of mthly payment of £250 £24.45 6124 £32.94 22/09/2002 PPI component of (previous loans carried over) £2720 (£342 ppi minus rebate) as %age (12.57%) of mthly payment of £250 £31.42 6093 £42.12 22/09/2002 PPI component of current loan £2280 (£223.15 ppi) as %age (9.78%) of mthly payment of £250 £24.45 6093 £32.77 22/10/2002 PPI component of (previous loans carried over) £2720 (£342 ppi minus rebate) as %age (12.57%) of mthly payment of £250 £31.42 6063 £41.91 22/10/2002 PPI component of current loan £2280 (£223.15 ppi) as %age (9.78%) of mthly payment of £250 £24.45 6063 £32.61 22/11/2002 PPI component of (previous loans carried over) £2720 (£342 ppi minus rebate) as %age (12.57%) of mthly payment of £250 £31.42 6032 £41.70 22/11/2002 PPI component of current loan £2280 (£223.15 ppi) as %age (9.78%) of mthly payment of £250 £24.45 6032 £32.45 22/12/2002 PPI component of (previous loans carried over) £2720 (£342 ppi minus rebate) as %age (12.57%) of mthly payment of £250 £31.42 6002 £41.49 22/12/2002 PPI component of current loan £2280 (£223.15 ppi) as %age (9.78%) of mthly payment of £250 £24.45 6002 £32.28 03/01/2003 Refinance (12.57% of outstanding balance of £4159.38 minus ppi rebate of £109.34 on 07/01/2003) whihc pertains to ppi1 (55%) £279.99 5990 £368.97 03/01/2003 Refinance (9.78% of outstanding balance of £4159.38 minus ppi rebate of £109.34 on 07/01/2003) whihc pertains to ppi2 (45%) £178.24 5990 £234.88
  15. loan 3 had no ppi (according to SAR) do I skip to loan 4? (assuming yes) I see what you mean, the additional ppi amount rolls over into the next loan, regardless of whether it had ppi - ignore Q.
  16. There seems (to me) to be contradictary advice on CAG about compound interest and whether fos would award it for single premium PPI - I'm happy to proceed to the courts so I assume I should include it. Fos would award a refund of all PPI payments paid, the interest charged on those payments by the bank plus 8% statutory interest on each of the payments. is contradicted by This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed. we had crossover posts there, ignore my last for now Yes, was starting to think I needed to do that - thanks for confirmation
  17. My loan did have a Single Premium PPI included so what do I claim? Basically you claim back what you have actually paid out for the PPI, including the interest the bank charged on the PPI part of the loan plus further interest as compensation. In respect of your interest claim, what interest level you claim will depend on which route you intend to follow to get your money back. The initial approach is always to the lender but if they fail to uphold your claim there are two routes open to you. You can pass the case over to fos or you can sue in court. So surely I would use the CISheet and then statint sheet for the loans as well?
  18. credit cards done then thanks. In terms of the PL's, I've put together this info to try and understand the sequence of events. As you stated, this will be one PPI claim, but wondered what figures to use here on statint. Is the first loan irrelevant as I had no ppi at this point? Is interest paid relevant? (egg have included the interest on a sheet called PPI hub report so it suggests it might be, along with original maturity date) - I didn't know I had PPI, so never cancelled it, and how do I factor in the rebate? (again, I went into arrears and final loan was sold to DCA) acc no loan payment protection loan amount total loan amt APR no of payments installments date opened PPI on account PPI cancelled PPI cancelled date interest paid ppi REBATE 10431708 0 3000 3000 14.5 24 143.55 08/08/2000 N N N/A 431.43 n/a Topped up by: 12337314 440.5 2880 3320.5 14.5 42 99.89 13/11/2001 Y Y 09/04/2002 178.42 97.56 Topped up by: 12957090 0 2760 2760 14.5 34 100 09/04/2002 N N N/A 60 n/a Topped up by: 13829311 223.15 5000 5223.15 10.7 24 250 07/06/2002 Y Y 03/01/2003 299.56 0 Thanks in advance, alot of questions at the minute I know
  19. Ah - ok. I went into arrears after 10/03/2005, and I can't see any further interest charges - account was eventually sold onto DCA. account closed 01/11/2006 sold to DCA 02/01/2007 Which date would you recommend? closure?
  20. I'm getting charged 1.093 a mth which is 13.11 (multipled by 12) Date of Charge Description Amount of Charge Number of Days Elapsed Compound Interest 10/07/2002 Credit Card Payment Protection £2.60 6166 £18.25 10/08/2002 Credit Card Payment Protection £9.44 6135 £65.48 10/09/2002 Credit Card Payment Protection £12.09 6104 £82.87 10/10/2002 Credit Card Payment Protection £16.99 6074 £115.11 10/11/2002 Credit Card Payment Protection £18.52 6043 £123.97 10/12/2002 Credit Card Payment Protection £18.63 6013 £123.26 10/01/2003 Credit Card Payment Protection £0.12 5982 £0.78 10/02/2003 Credit Card Payment Protection £1.50 5951 £9.69 10/03/2003 Credit Card Payment Protection £2.34 5923 £14.95 10/04/2003 Credit Card Payment Protection £7.42 5892 £46.83 10/05/2003 Credit Card Payment Protection £10.47 5862 £65.31 10/06/2003 Credit Card Payment Protection £13.30 5831 £81.96 10/07/2003 Credit Card Payment Protection £14.55 5801 £88.61 10/08/2003 Credit Card Payment Protection £15.60 5770 £93.86 10/09/2003 Credit Card Payment Protection £18.45 5739 £109.66 10/10/2003 Credit Card Payment Protection £22.05 5709 £129.51 10/11/2003 Credit Card Payment Protection £22.11 5678 £128.28 10/12/2003 Credit Card Payment Protection £22.28 5648 £127.74 10/01/2004 Credit Card Payment Protection £21.99 5617 £124.53 10/02/2004 Credit Card Payment Protection £22.07 5586 £123.46 10/03/2004 Credit Card Payment Protection £22.02 5557 £121.76 10/04/2004 Credit Card Payment Protection £21.98 5526 £120.05 10/05/2004 Credit Card Payment Protection £22.43 5496 £121.04 10/06/2004 Credit Card Payment Protection £0.29 5465 £1.55 10/07/2004 Credit Card Payment Protection £0.25 5435 £1.32 10/08/2004 Credit Card Payment Protection £0.25 5404 £1.30 10/09/2004 Credit Card Payment Protection £10.50 5373 £53.93 10/10/2004 Credit Card Payment Protection £23.36 5343 £118.54 10/11/2004 Credit Card Payment Protection £23.42 5312 £117.36 10/12/2004 Credit Card Payment Protection £23.81 5282 £117.87 10/01/2005 Credit Card Payment Protection £23.97 5251 £117.18 10/02/2005 Credit Card Payment Protection £24.61 5220 £118.80 10/03/2005 Credit Card Payment Protection £25.15 5192 £120.03 Inputted into CIsheet above, and taken compound interest figures and put into statintsheet, as below Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple 10/07/2002 Credit Card Payment Protection £18.25 6166 £24.76 10/08/2002 Credit Card Payment Protection £65.48 6135 £88.38 10/09/2002 Credit Card Payment Protection £82.87 6104 £111.28 10/10/2002 Credit Card Payment Protection £115.11 6074 £153.81 10/11/2002 Credit Card Payment Protection £123.97 6043 £164.82 10/12/2002 Credit Card Payment Protection £123.26 6013 £163.06 10/01/2003 Credit Card Payment Protection £0.78 5982 £1.03 10/02/2003 Credit Card Payment Protection £9.69 5951 £12.68 10/03/2003 Credit Card Payment Protection £14.95 5923 £19.48 10/04/2003 Credit Card Payment Protection £46.83 5892 £60.71 10/05/2003 Credit Card Payment Protection £65.31 5862 £84.23 10/06/2003 Credit Card Payment Protection £81.96 5831 £105.14 10/07/2003 Credit Card Payment Protection £88.61 5801 £113.09 10/08/2003 Credit Card Payment Protection £93.86 5770 £119.14 10/09/2003 Credit Card Payment Protection £109.66 5739 £138.45 10/10/2003 Credit Card Payment Protection £129.51 5709 £162.66 10/11/2003 Credit Card Payment Protection £128.28 5678 £160.24 10/12/2003 Credit Card Payment Protection £127.74 5648 £158.72 10/01/2004 Credit Card Payment Protection £124.53 5617 £153.89 10/02/2004 Credit Card Payment Protection £123.46 5586 £151.72 10/03/2004 Credit Card Payment Protection £121.76 5557 £148.86 10/04/2004 Credit Card Payment Protection £120.05 5526 £145.94 10/05/2004 Credit Card Payment Protection £121.04 5496 £146.36 10/06/2004 Credit Card Payment Protection £1.55 5465 £1.86 10/07/2004 Credit Card Payment Protection £1.32 5435 £1.57 10/08/2004 Credit Card Payment Protection £1.30 5404 £1.55 10/09/2004 Credit Card Payment Protection £53.93 5373 £63.75 10/10/2004 Credit Card Payment Protection £118.54 5343 £139.34 10/11/2004 Credit Card Payment Protection £117.36 5312 £137.15 10/12/2004 Credit Card Payment Protection £117.87 5282 £136.97 10/01/2005 Credit Card Payment Protection £117.18 5251 £135.37 10/02/2005 Credit Card Payment Protection £118.80 5220 £136.43 10/03/2005 Credit Card Payment Protection £120.03 5192 £137.10 I'm assuming I would be due compound interest and stat for the same duration i.e. 10/07/2002 charge is £2.60, plus CI is £18.25, plus stat is £24.76 as both use elapsed days of 6166 Question on CISheet - what APR do I use? Credit agreement states: 12.6% purchases 13.9% balance transfers cash advance 16.3% Highest/lowest/most used? (that would be purchases)
  21. I'll get on it - its difficult to understand what's going on as the information is linked by internal reference\application number rather than my account number for the loans, but I'll see how I get on - thanks
  22. Received my SAR back finally, suddenly once I'd complained they were super quick - strange that. Had a look through and have: Credit card credit agreements statements for credit card (each mthly statement has credit card payment protector amount deducted - assuming this is ppi) date ppi commenced (11/06/2002) various system & database outputs detailing the account history, up to closure and movement to DCA Loans (4, but 2 with ppi) PPI hub report detailing interest accrued and maturity date (4 records) Which accounts had ppi, and date the were cancelled (not by me, probably by top up) loan balance when cancelled loan agreements for each loan (2 with loan payment protection amounts on) account info report, with princial amount, interest, PPI balance, PPI rebate, PPI type Statements I'll post specifics soon.
  23. Thank you for submitting a complaint about the processing of your personal information. The ICO’s role Part of our role is to consider complaints from individuals who believe there has been an infringement of the Data Protection law. We use complaints to build up a picture of an organisation’s information rights practices so that we can identify and target poor performing organisations. Details of the action we have taken is available on our website. Your complaint We have considered the issues that you have raised with us and have written to the Chief Executive, via the Data Protection Officer, to explain that we expect their organisation to work with you to resolve any outstanding matters. One of the ICO’s strategic goals is to increase the public’s trust and confidence in how personal data is used and made available. In this case, we expect the organisation to fully explain to you how they have complied with their obligations under the law as comprehensively as possible, including correcting any issues that they have identified or clarifying any areas of misunderstanding. I have attached a copy of the letter that we have issued to the Data Controller and expect they will be in contact with you in due course. Yours sincerely Angela PayneCase Officer (Mon, Tues, Weds & Thurs am)Information Commissioner’s Office0330 414 [email protected]
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