Hi All I have just recently sent off SAR requests to several banks / lenders giving them 40 days to comply however, I have had my SAR request and cheque returned by Santander with a covering letter stating the following: We refer to your recent correspondence. Based on the information you have provided - name, address(es) and date of birth - we regret that we cannot locate any Unsecured Personal Loan account data. In accordance with Section 7 (3) of the Data Protection Act 1998, Santander UK Plc is not obliged to comply with your request unless you have provided enough information that enables us to locate the data subject and the account data you seek. We would like to advise you that historical information can only be retained for legitimate reasons, therefore some personal data may no longer be held as it has been deleted in line with our retention policy. In circumstances where our relationship ceased with the customer more than six years ago we do not retain the documentation required, there we are not obliged to provide this information in accordance with guidelines set by the Financial Services Authority. I was unable to provide any account numbers when I sent the original SAR to Santander but gave them my name, address and DOB. I had 2 accounts which Santander are responsible for - a loan with Alliance & Leicester and a revolving loan account with Cahoot, both of which were paid off in full in 2010. I'm unsure how to proceed and what reply to send to Santander, any help & advice would be greatly appreciated.

Hello all. A few months ago, I was diagnosed with plantar fasciitis. I'm sure if any of you have had this condition or any knowledge of it, you will appreciate just how painful and debilitating it is. Having this condition, means that standing and walking is extremely painful and on some days is impossible at all and I literally have to crawl on my hands and knees to get about my home. The condition usually takes around 18 months or so to heal. The condition is worsened by standing and walking on hard surfaces. I work for quite a large national company and have done so for over 7 years. The problem however, is my job involves standing and walking for 8 hours a day, 5 days a week and the flooring we have is a very basic, worn carpet with no underlay and as such sits directly on concrete (it's the cheap carpet squares you buy and put together - this has been there for around 6 years). As a result of thi,s I spend most my working day and then in the evening in total agony (some days are better then others but most are very painful). My manager is aware of my condition but hasn't really spoken to me about it or made any suggestions regarding what could be done to help (only me asking him if I could wear black trainers instead of shoes - which he agreed to). If I am off work for 3 periods in any 6 months, then I will receive a verbal warning and if it continues, then it escalates upto and including dismissal. I was off last week and a couple of months before that so if I take any more time off then I will be disciplined. This is something I desperately want to avoid and is why I have been going through literally agony on a daily basis. Okay, There are other duties that I could do but they are currently being done by other members of staff and knowing the politics (i.e. the sniping that goes on behind everyone's back, etc), no one would be very happy to do the work that I am currently doing and me doing theres. Despite working there for the length of time I have, I'm worried about rocking the boat especially in view of the current job market. However, at the same time there seems to be no appreciation of the pain I have to go through whilst others (in a different role) are able to sit on a chair all day. Am I able to request a review of my duties? Would HR at least be obliged to listen to my concerns? Or is the most likely scenario be that I will just have to put up and shut up and if the condition worsens, leave my job (this is something I desperately need to avoid as I have a young family to support). Thanks for any help that you can give.

Can anyone assist with identifying an entry on my bank account for 1998. It reads " DD MLoan LPool 990271 £..." I would like to know who the firm are?

Hi all This is my first post in this forum even though I have spent many hours browsing through the very informative posts since getting into this PDL mess! A lot of the info has definitely been very calming and reassuring after receiving a lot of the standard bullying tactics that some of these companies employ!! Anyway.......to cut a ridiculously long story short, I have a few questions regarding a CCA request I made to Next Credit last week. Basically I have had 3 previous loans with this PDL (all paid off). After the initial loan it is possible to apply for the next loan by SMS. First you send a text containing the word LOAN followed by your surname. The next text you send is for the loan amount.....and that's it. From sending the first text to the money being in your account takes less than 5 minutes (that seems like a very short time to do all the neccesary credit and affordability checks to me). So since then I have missed the payment deadlines, had all the warning texts and emails from NC, been passed onto Northern Debt Recovery and now Marshall Hoares. I understand that all these companies are connected and their ridiculous charges are completely unjustifiable (Inital loan £400, now balance is at £1255). Back to the CCA request. I had a response from someone at NC in the form of an email containing a copy of the terms and conditions of the original agreement and a screenshot of the breakdown of charges on the account. The T&C's state a loan amount of £300 even though the loan was for £400. I also can't find any date on there except at the bottom which says 20/1/11 which is well over 12 months before I took this loan out! The bottom of the agreement also reads: "Having entered your email address twice during the application process and submitted your application, you confirmed that you have read and agree to the terms of this Agreement." (Oops, looks this this short story turned into a long one!) So here are my questions: 1. Having only sent 2 text messages, one containing my surname during the application process, does that count as a signature? I never "double signed" anything regarding to this agreement. 2. What do you make of the mistakes in the agreement (the loan amount being wrong and the date being from over 12 months in the past)? It seems silly to me to send a legally binding document peppered with mistakes 3. Does this satisfy a CCA request? I'm pretty sure it doesn't but I wanted to be sure before I ask for it again. 4. Apart from complaining to the relevant authorities what should my next move be? Ignore it? Make token payments? Any and all advice is greatly appreciated Cheers, Matt 2.

Can a bank refuse to give broker and packaging information in a subject access reguest? Would this not be necessary to prove if mortgage was mis-sold

Not sure this is the correct place to post but I can't see one specifically for legal clarification. I have issued a claim form against a company for damage to my vehicle. The claim was issued on 23 May 2012 and served 25 May 2012, the Defendant filed an acknowledgement of service on 30 May 2012 meaning they had the full 28 days ending 22 June 2012. Meanwhile the Defendant appointed a solicitor and I received an acknowledgement around 1 June 2012. On the 15 June 2012 I received a further letter from the solicitor advising hat they wanted further information on the claim and requested a Part 18 request, also informing me that they had only just received the claim form from their client. They specifically request further information on two questions (I know and have read that part 18 is a fishing expedition to see how strong or weak your case can be) but I just wanted to clarify before sending anything back to them what I should do and how I should do it. I have attached a copy of the Part 18 request. This has not gone in front of a judge and has come directly from the solicitor. I have an idea of what to reply with, but I just wanted a view/opinion and some clarity over the part 18 rules. Thanks

Hi all. I have been unemployed for almost 12 months, and have finally been offered a job. Obviously, I had to supply two referees, one of which was my former employer and the other was the manager of a day service for people with Cerebral Palsy, where I have been volunteering for the past 8 months. The problem is, my former boss has not responded to the reference request. I know employers are not legally obliged to give references, but I'm really really worried that having only one reference will jeopardise my chances. The reference they have received, from the manager at the place I volunteer, WILL be an excellent reference, I know. I've been working there, unpaid, 3 days a week, for 8 months and I know I've done a good job there. Do you think my future employers will accept me on just this reference? It's more recent than my last employment anyway, as I left in August 2011. The terms of me leaving my last job - I left of my own accord, because I wasn't happy there. But my boss had issues with my teamwork apparently, although nothing was ever said to me at the time. I was told specifically, when I left, that he wouldn't mess up my chances and would be prepared to supply me with a reference. I'm really really concerned, because I desperately need and want this job. I have one good reference, and I can supply character references or go back further, but I'm just really stressing out now. Any advice would be greatly appreciated. Many thanks in advance.

Hey guys, I sent a SAR request to my previous employer as I wished to gain sight of reports and information (I requested all information related to my employment) - that would have assisted me with any future training that I wished to undertake. I had asked for these while I was still employed however was refused point blank and therefore requested it under the DPA. They have replied (having taken the full 40 days) stating that it is not a valid request - "After conferring with the Freedom of Information officer and Document Manager, they as you are asking for information we hold about you on your personal file, this is not an action as a DPA request." Any tips for me? Thanks guys.

Hi folks Lowells have contacted me recently about a old la redout catalogue debt which I was positive IT was statute barred but they said otherwise so I requested a cca and the sent me a letter saying because it is an old account the original creditor has been unable to locate it and they were leaving it for now but may be back in touch if they find it!!, Then today They have sent me a letter saying they are not obliged to send me the original copy and they have sent me a copy of what mine would look like and saying I would have signed it at the time the credit agreement was taken out, It was completely blank??!! They are demanding I now pay the full amount!! I'm quite confused by it! Am I right in thinking they have to provide me with something with my actual signature on it!!

Hi All Thanks so much for the information on Redundancy. I thought I'd post the full story so you could give me some advice as I'm writing my final grievance letter and I'm sure you'll have points I should raise. I've been in communication with my employers about my workload since April 2011. At the time they agreed it was excessive and not evenly spread but that the other person in the department wasn't up to the job. I was asked to give them time to resolve it...I did. June 2011 I have am exemplary review. Another employee was recruited but the other member of the department was reduced to two days a week. I asked for the workload to be sorted and was asked to let the new employee settle in....I did. August 2011 I asked for help and a portion of my workload was lifted but extra procedures were introduced along with more responsibilities. The net result was extra workload. I was asked to "see how it goes". October 2011 I mentioned stress but in passing (think I hoped they'd help without me having to admit that I needed the help - I'm a very strong character and this is a total shock for everyone that knows me!). November 2011 I openly discuss I'm not sleeping and feeling stressed and need some time off. I book holidays to reduce my working week to 3/4 days a week. Jan 2012 I return from Christmas and discuss that I'd be really ill all Christmas with ulcers and coldsores and was really run down and obviously my immune system was suffering. I have my review - excellent comments but my payrise is a fraction of what has been promised! During the reivew they delay telling me the result of my payrise for 6 weeks ("we'll tell you Friday", I ask on Friday, "we'll tell you on Monday"..I subsequently spend the whole weekend worrying about it) which I tell them is adding to my stress and I'd like to help them minimise this if possible....falls on deaf ears. Feb 2012 I apply for flexible working hours. It is refused for business reasons. Everyone becomes very hostile towards me. I appeal the flexible working decision and formally tell them that this is making me feel very stressed. March 2012 My appeal meeting doesn't go well, they are very intimidating and hostile. After the meeting the atmosphere gets worse and worse by the day. I start to not be included in communications. At meetings I don't know the full information and start to look incompetent and unprofessional in front of clients. I bring this up with my Manager and he agrees he has 'forgotten' to include me in some communications. I don't get a response to my flexible working appeal by the required date but the following day I receive an email that they'll try to get back to my by the end of the week. ACAS advised that I inform them that I can now take this to employment tribunal but would avoid this if they are planning to uphold my claim...they tell me to take it to employment tribunal! By this point I've been to the doctors twice to discuss stress as I've virtually stopeed sleeping now and I'm feeling unable to cope. The next day I'm out on business and receive an email at 6pm asking for a breakdown of my day....alarm bells. I've never been asked this before so I list my day and ask why this is being asked and my Manager passes the buck to his Manager. That night I didn't sleep a wink, didn't feel capable of making my meeting the next morning and drove home to my husband and kids and slept for the first time in weeks. I just couldn't do it anymore. I got signed off by the doctor and was off in total for 3.5 weeks because of stress. When I returned no one would speak to me. It was annouced to the office that I needed to be interviewed because of my absense...I nearly cried. Finally my Manager asked to speak to me, attempted to deny I was overworked but then conceeded that he had failed me and reduced my workload immediately and told me to take it easy and he'd reintroduce work as and when we were both ready for it. I felt like a weight had been lifted. Then I had my 'return to work' meeting with my Managers Manager. He was so hostile, abrupt and bullying. I answered all of his questions then he informed me that I had never been overworked and that my workload would be completely reinstated in time. I asked for a timescale and he stated "soon maybe 2/3 weeks". When asked if I had anything else to say I asked that my medical problems are kept confidential and not annouced to the office....he stood and left the room without saying a word. He's refused to speak to me since then. On my desk I find a response to my flexible working request and I email my Manager to ask to discuss it as it does not reflect my request and isn't a workable solution. It also demotes me to a trainee....which I'm not. One week after my return I was asked into the boardroom to be informed I'm being made redundant. I'm informed within this meeting that my flexible working request is final but if I want to discuss the contents of the letter then they are fine with that. Next day I have a meeting re flexible working. There is no option to discuss anything as it is so hostile. All problems with the letter ie trainee are explained away as typo's. I ask to discuss the atmosphere in the office and state that its really not helping. I tell him that everyone ignoring me is horrible. He deny's he is ignoring me and will speak to the others. Day after consultation for redundancy. Opinions??? Advice on points to raise in grievance or consultation? I need to do both before I see my solicitor which isn't great, I'd prefer their advice first.

Hi there, I need to get all the information 2 companies have on file about me and my Ltd company. The first needs to goto the insurance broker / intermediary - One Business Insurance Services and the 2nd needs to goto the actual insurance company - Tradex. I am concerned about information requested by the broker which I submitted and how it was used. Also, I am not happy that despite numerous requests, I did not receive a document with my no claims entitlement. I have had template that I got off this site for requesting information from the banks (thanks cerberusalert but for insurance, I need something equally good to get as much information they hold as possible Regards, Greg