I emailed the recording before you said you didn't need it , chance for your to hear the quality lol

okay great I have opened your link for the small claim couty court which I will read to him later. We will let you know how the call goes on Wednesday with 1st Central

I agree that this would be another life lesson he may need to refer back to sometime in the future. A little of both, I have either filled him in or read full sections to him, he hasn't sat down and read them himself. it is always easier for him to take in what is being said when it is read to him than him reading it with his dyslexia, words jump about and he spends more time concentrating on the words rather than the context. Okay, he has decided he wants to go down the legal action route and take all instructions from you on the process he has to follow to do so. What happens next? He has diarised to call 1st Central again on Wednesday to follow up on his request for his SAR

Hi would you like me to email the recording over to your email? What my son wants to achieve from this is the removal of this DN from his credit file, that is his main reason. I have had a chat with him and explained the 2 options and it appears that the one way we can make sure it is removed is to go the legal route you have suggested. He has asked if he will need to get a lawyer/solicitor involved or if you can all help with whatever he has to do to go down the legal route. He just wants his name cleared of the no-fault record on his credit file, it isn't fair that they have done what they have. The compensation would also be nice and he can donate to you all for your help

Call complete to 1st Central Customer Service, recorder call, they have emailed whoever it is that needs to process the request and my son was told to call back in a week if nothing has been received via email. They said there was no reference number to accompany this request. The recording identifies my son on it so I haven't uploaded the MP3 file here, I can email it to you if you wish to hear it. They asked why he wanted it he fluffed at this point and then said it was for an ongoing dispute, I hope that is okay, didn't expect them to ask why he wanted it and were not prepared with an answer.

College has ended early he is on his way home now, and should be making the call to 1st Central by 3:30-4:00, we will update you on the outcome of it

Morning BankFodder, Apologies for not coming back to you last evening, my nights are long, and my mornings are early. My apologies but I have fallen asleep most evenings by 7. My son finished his work shift this morning at 10 and headed straight to college in Edinburg he will be home around 6 this evening when he can make the call to 1st Central to make his subject access request. I will record the conversation and update you on the outcome once the call has been made. I will have to have a conversation with him this evening about your suggestion of taking the legal action route, could you please give me a brief outline of what it would entail so that I can relay this information to him so he can make an informative choice?

oh dear I am getting myself all muddles with this legal action, is this after we have exhausted 1st Central complaint route and then tried FOS (finance ombudsman)

Hi DX100uk thanks for joining us, I was just answering the question as to whether the insurers are in England or Scotland

I found this about them they are registered in England and Wales AOIS_v1.9.pdf

We are in Scotland. "I suggest that you send please statutory request " If this is the 'subject access request' you are referring can I confirm is it customer services at 1st Central that he is calling to make the request?

No, no reason he is more than capable, as my husband keeps telling me I do too much for our sons, I will just read over the subject access request letter with him, he does have dyslexia so takes things in better if read to him that way he will know exactly what it is he is asking for in the call. My phone is Samsung s10 plus, android. I do have an Olympus Dictaphone DM-770

Wow thanks for the link I have just read it and thought I have done some of this while dealing with 1st Central over the past 3 years I can see where I have fallen short, I have always noted time date person department, and conversation but relying on their recording so I can see why doing my own would be prudent. Does this have to be some kind of app or can I use my mobile to record while on speaker and record the call being made on the landline? My sincere apologies for the 12 days since you said I was to do the subject Access request, had no idea that much time had passed with all the other information I was exchanging, we will do this as a phone request on Wednesday with 1st Central, on another note would my son be able to go through the identity check with them and then authorize for me to talk to them on his behalf to make the subject Access request?

He has had more than 1 car insurance policy with them, should he be stipulating the details required are for the one we are going to complain about or just getting all information they have on him over the years?

My apologies I have not sent the subject access request, I will get this completed right away and get it sent off on Monday