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Found 389 results

  1. I found the threat about Fendy-v-HSBC https://www.consumeractiongroup.co.uk/forum/showthread.php?83821-Fendy-Can-I-Get-Statements-From-Old-Midland-Bank-Account-20-Years-Ago I was interested because i was a customer with Midland bank, then rolled over to HSBC when HSBC took full control over Midland Bank. I had a situation where, after rolling over to HSBC, i spent time away losing contact with the HSBC representatives who Dealt with my every needs (Year 1994-1995). I returned to HSBC in 1997 to open a new account, staff then did not want to provide me details of older accounts (1994-1995 accounts). i opened new accounts and lived my life avoiding the intimidation. In 2016 I read an article the HSBC can trace or locate Midland bank accounts, and that there is an Inactive account process where HSBC may hand dormant accounts to the BBA. i filed forms with HSBC and the BBA to see if they could locate the accounts. I was not asked, but the accounts i held in 1994-1995, the accounts i wanted to recover where frozen due to attempts of Unauthorized access. I only assumed they had gone in to dormant or inactive account process. HSBC representatives tell me The bank only holds records for a period of seven years, Unless i can prove HSBC holds records for a longer period of time. I referred to the Inactive accounts. Now HSBC Inactive accounts state that "If your account is in credit and has been dormant for at least 15 years, we may transfer balances of dormant accounts to Reclaim Fund Limited (RFL)" HSBC also claim that Yes Midland Bank became part of the HSBC Group in 1992; therefore we can help you trace any dormant Midland Bank accounts and reunite you with your money. how do i get in touch with the right people working for HSBC, to get reunited with my Money as, so far, They claim they can not find any records as HSBC only holds records for 7 years. Let me know if you guys know of laws or other i can highlight to get better assistance from HSBC who do not reply to me after i highlighted HSBC holds dormant accounts for at least 15 years.. I was trying to get back over A £ 1 million pounds, But i do not know how to get HSBC to find the account that was frozen during the 1990's due to unauthorized access attempts
  2. Hi all I have debts with Littlewoods, Next and hubby has one with Very (along with other debts such as credit cards and a store card but these are the 'catalogue' debts). We are struggling to pay any of our debt and need to make some payment arrangements. I have noted that there is a CCA request which is often used by people to see if the debt is enforceable, I am not sure when these ONLINE accounts were set up but believe it was 2007/08. Can anyone advise if we are able to take any steps in regards to CCA... Also, would you advise to CCA them anyway and see what happens?...... In either instance can we claim back all the late payment fees etc from these debts?... .I understand I would need to SAR them but after that not sure how to actually request the fees back so a little advice would be lovely please. Thanks guys
  3. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got a statement from Idem, and in exactly the same marked envelope (same return address, same statement format) my husband had one from Moorcroft. Does anyone know if this is the same company??? It's really cheesing me off that Moorcroft ignore all the emails. Also, they're sneaky so-and-so's: they are based hundreds of miles away from us, and yet they call the landline using a local number that they must buy to use, to look like they're someone local calling us - idiots! It doesn't take long for me to recognise the number and ignore it. But, they're making me so mad!!! I think I'm wasting my time re-sending the same emails but at least it proves the point that they're ignoring us, dispite contacting them on a daily basis!
  4. Hi I am helping a friend out with a PPI claim and have sent off the SAR to Santander back in January. This was in respect of an old Dorothy Perkins storecard account she held some years ago. They have replied and provided: CCA's for each account, we requested one and they have sent info for 3 (some of which she had forgotten she had) Lists of transactions - these are mainly internal info and not something useful to us as it seems to be a list of dates and codes (account notes) The letter says available copy statements are enclosed where applicable - but none are Also says that Copies of any correspondence is enclosed but again - there is none enclosed. There is one page which says they no longer hold any information on this account - however they do state an account number. My question is how do we go about finding out the specifics of PPI itself if they only provide the above information? They haven't provided any statements at all (i know they don't have to - and my friend no longer has them) so we have no way of knowing if and what the amounts of PPI added to the accounts were. I would be really grateful if someone could advise my next course of action. Many thanks
  5. i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction letter?
  6. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  7. Is the new GDPR SAR template suitable for a medical records request from a GP without any specific alterations? Thanks.
  8. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  9. Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest
  10. Hi All, I applied to Lloyds for an SAR. The SAR was correctly made and accepted by Lloyds. I contacted Lloyds SAR Team via telephone, several times (at least three times) during the 40 day statutory period, and on each occasion, they advised me that there were no issues, and that they would be dispatching the SAR data, within the 40 day statutory period. The day before the 40 day statutory period was due to expire, I contacted them one last time. On this occasion Lloyds advised that because I had phoned them 3 weeks into the SAR period, and asked for specific information (i.e. PPI and Loan information), they had reset the 40 day statutory period, and that my SAR request would now not be sent until the end of this month. When I phoned Lloyds asking for this specific information, I firstly clarified with them, that by asking for this specific data, there would be no delay in the original SAR date. The SAR Team advisor i spoke to confirmed that there would be no delay. The whole purpose of asking Lloyds for this specific information was so that they didn't have to trawl through years and years worth of data. Had i been told at this point that there would be a delay or the statutory 40 day period would be rest, i would have left the SAR request as is, and got them to send me everything. My fault for trying to be helpful towards Lloyds. Lloyds stated that they had sent me a letter advising me that they were delaying the SAR disclosure. They stated that they had sent me the letter on 7th March 2018, yet as speaking to them on 12th March 2018, I had nothing through the post. I eventually received a letter from them on 16th March 2018. My issue here is, if they had known they were delaying my SAR when i originally phoned them (3 weeks into the SAR 40 days), why did they leave it for over 2 weeks to notify me that it was being delayed. Also, i have phoned them on a number of occasions and at no point have they advised it was delayed. The 40 day statutory date has come and past, so i issued Lloyds with a Letter Before Action (LBA), giving them an extra five working days to send me the SAR. They failed to do this so i have now issued an N1 Particulars of Claim for breach of SAR Request. This was done via money claim online. I have confirmed that Lloyds received the N1 Particulars of Claim, via a signature on special recorded delivery. I have also submitted an N215 Certificate of Service in relation to this. I have now received correspondence from Lloyds who have instructed solicitors on their behalf and are defending the claim. I am not sure on what actions i need to take next. I am not legally trained and have limited knowledge of civil court proceedings. Please can i have some advise and help on what i need to do next. Aside from the N1 Particulars of Claim, i have also submitted a complaint to the Information Commissioner's Office, for the breach of data protection.
  11. Hi, Im trying to unravel my late father's very complicated finances, as I'm his executor. I found a letter from Hoist Finance dated from last year stating they own the account, with an outstanding balance of £2131.92. When I phoned to say he'd died they told me it would be passed to 'Philips and Cohen' - this was mid-January and I've heard nothing (luckily). Having read these forums I then wrote to MBNA requesting all his account data but they replied stating the 'GDPR only applies to personal data relating to a living individual'. is this true?There's also a letter relating to another MBNA debt from Link Financial, so they have sold the two on. I need to know how old these are etc. Letters scanned and attached. The reason I'm confused is I've also written to Santander (using the same template letter) and have received all the loan info so they obviously have different rules! - I'm not willing to settle anything unless I know how old these debts are and what they relate to. We couldn't find any paperwork at my Father's house. Any advice as what to do next - I did send certified copy of probate certificate with my requests. Many thanks for reading! scan0041.pdf scan0040.pdf
  12. Hi all, I am helping a friend send a SAR to a company. They can be sent by email, I believe. I wanted to check that it is essentially the same as if you were doing it by letter? Thanks, C
  13. Evening, I requested a SAR from Co-op, I had a loan from them several years ago. I gave my name, address from when I made the application and the reference number from the loan. They have replied to me saying they are unable to verify my signature(s) after checking my records. They have asked my to provide photographic ID in order to investigate the matter further. Is this normal? Has anyone experienced this with Co-op? I've requested SAR from other places with no issues. Many thanks
  14. Hello folks, I tried taking out a mobile phone contract with EE in 2016. I was declined and, on contacting EE, was told there were three T-Mobile accounts in my name from 1999-2002 (approx) with an outstanding debt of around £450 in total. I finally got round to sending an SAR letter last month and received a reply today. EE have sent me a couple of pages of account notes but no mention of the outstanding amount(s). Firstly: based on this, I'm pretty certain that EE have sent me incomplete data - however, without knowing how their systems work, I don't know _what_ data they must hold on me, but at the very least, somewhere, there must be a total amount owed. Secondly: the notes say that I disputed that the accounts were mine (which I did), and EE decided that it wasn't fraud because the accounts were opened using my name, address and date of birth. I genuinely don't remember opening these accounts. How can EE be so certain that I opened these accounts simply by checking that my name, address and date of birth match? I just want these accounts removed from my record so I can, should I still want to, take out a new phone contract with EE. Is there anything I can do here, or do I just need to accept defeat and find a different mobile phone company? Thanks in advance Alex
  15. Hi, I am using a template letter. Should it be addressed to Halifax PLC? Bank of Scotland Group Plc, something else? I am using address found in Bank of Scotland privacy policy pdf.
  16. Good Afternoon, I sent a SAR to Lantern (Formally Motormile) on the 28/09/2018 and I have today received the SAR pack back. I'm looking for some advice on what to do next as I feel all these accounts could be statute barred. I would like to give an overview of each account and what the SAR contains to see if anyone can offer some advice on what my next step should be. Account 1 Value £1170 Account Start Date- 15.06.2012 Default Date- 29.06.2012 Payments made/acknowledged - NO Contains CCA - YES Notice of Assignment- NO Account 2 Value £200 Account Start Date- 30.11.2011 Default Date- Unknown Payments made/acknowledged - NO Contains; CCA - YES Notice of Assignment- NO Chase Letters - 2 Account 3 Value £270.10 Account Start Date- 21.06.2012 Default Date- Unknown Payments made/acknowledged - NO Contains; CCA – YES (Not signed by original creditor) Notice of Assignment- NO Chase Letters - 5 Account 4 Value £250.00 Account Start Date- 02.09.2011 Default Date- 07.12.2011 Payments made/acknowledged - NO Contains; CCA – NO Notice of Assignment- NO Chase Letters – NO Statement of Account - YES Other than 2011/2012 I’ve had no other issues and everything has now dropped off my credit files, I’d just like to put this to bed. I would be grateful of any help you may be able to give. Thanks
  17. Hello I am just about to commence a PPI re-claim on an old Alliance & Leicester personal loan. There appears to be a number of addresses to where the SAR letter should be sent. Can anyone please confirm which is the best (correct) one to use. The options I have are:- Customer Services, Santander Consumer, Santander House, 86 Station Road, Redhill RH1 1SR. Alliance & Leicester Personal Finance Limited Building 3 Floor 2 Carlton Park Narborough Leicester LE19 0AL Santander (Abbey, Alliance & Leicester) Abbey National House 2 Triton Square Regent's Place London NW1 3AN Santander SAR's team P.O. Box 1111 Bradford BD1 9NQ If non of the above are the correct address, I would greatly appreciate info. on where it should be sent. Thanks James
  18. Hi guys These recent experiences may be helpful. I submitted an email GDPR SAR request to Cabot based on CAG guidence regarding a threat with menace that is statute barred. I received an automated email the next day requesting name, rank, number, D.O.B. etc within two months (I kid you not). Two weeks later I receive a template postal reponse relying on Article 6 of the Regulation and a lawful base for processing personal data. Helpfully, Cabot confirmed that they were now the Data Controller and that they had received my SAR request (which is now some 28 days ago). Whilst my balls are not crystal... you can read the rest. " Dear Sir I note your mailed letter dated xx August 2018 purporting Cabot Reference xxxx7666 (Corbyn might call this a lack of an English sense of irony). I thank you for confirming that you are now the Data Controller. I thank you for confirming receipt of my Subject Access Request of xxth July 2018 and your 'relevant team's' response of xxth July 2018. You will be conscious that, under the new GDPR regime, you have one month from its inception to comply with my GDPR 2018 Subject Access Request. " On a different, yet related note, I received a letter before action (based on the new pre-action-protocol) from Robbers Way on an Egg account that is statute barred and submitted the advised CAG response. I have the standard response; account on hold blah-di-blah. These two CAG advices that I deployed might be usefully signposted as powerful tactical weapons. Love vic x
  19. Hello everyone What an absolute brilliant forum this is - so much information and can also be a little overwhelming, well for me anyway. I have a question about SARs with Energy companies if I may, well I guess it applies to any SAR but mine is with an Energy company. Q- if i raise a SAR they have to give all the information they hold about me - this i understand. BUT does this include any discussion the company has with its legal people be they in house or an external 3rd party, where I am mentioned? Hoping for an easy to understand answer! Best BH
  20. Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell
  21. I applied for a Subject Access Request to Barclays. Roll on 40 calendar days* Barclays send me two packages via courier. One of them had bank statements and letters belonging to a Nigerian businessman. Some letters were about freezing his accounts due to a court injunction/restraining order, unfreezing it after the court discharged the restraining order, and eventually the accounts being closed by Barclays a few days later. (See redacted documents attached) The statements cover a two year period at least. There was also a letter about a children's Instant Saver Account. (see attached) Account numbers, sort code, address, all transactions on his account...the lot. Pretty shocking how reckless Barclays have been with his data. The worst part is, Barclays say in their GDRP letter sent to us: 'Barclays is committed to protecting your personal data..". Does anyone know if I should complain to the ICO or is it Barclays? It used to be ICO. This may have changed after GDPR came in to play. * - I applied before GDPR came in to force, so deadline was 40 days not 30 as it is now. Barclays-Mr-X-Accounts-Closed.pdf Barclays-Mr-X-Unfreeze-Accounts.pdf Barclays-Mr-X-Restraining-Order-Freeze-Accounts.pdf Barclays-Mr-X-Child-Saver.pdf
  22. i have just had a letter back saying my credit card around 2001-4 is outside of banks retention period so they cannot provide the data i asked for for my sar. so i assume the ppi complaint i sent will also be declined.... shocking.... they are of course lying through their back teeth any suggestions of how i should respond???
  23. Today I received a large pile of documents from Prestige Finance, with whom I have a second mortgage. I have identified 10 unlawful charges of £35 each. But this account was previously held by lenders GE Money. Either they went into administration and "became" Prestige Finance, or GE Money simply sold my account to Prestige Finance. I have identified seven unlawful "administration charges" of £40 each while the account was with GE Money, before I found my account being handled by Prestige Finance. So my question is in two parts. 1. Am I entitled to recover the £280 unlawfully charged to me by GE Money before Prestige Finance aquired the account (and if so, who do I get the money from? Prestige? Or GE, who may no longer exist?) I had always assumed that if a going concern such as a lender was aquired by another going concern then the buyer going concern would also be buying the seller's liabilities as well as its assets (in which case Prestige would be liable to refund me the money that GE had stolen from me). But I may be wrong in this case. 2. How do I get my money back from Prestige Finance? Do I just ask for it back or do I need to take them to court? Can I charge interest at the statutory 8% and how can I calculate that? Can I add on anything else such as the time it has cost me and also the stress? Thanks in advance.
  24. Sent a SAR to Barclays bank on behalf of my father who signed the letter. He has been with the bank for over 60 years. They send his cards and statements to his address. Got a letter to say that they will only send him his details until they phone him up to prove his identity. It's been over thirty days and we have received no phone call. Why should he have to phone them. We thought it would be straightforward. Had mortgages and credit card with them for years. What should we do now?
  25. Hello Caggers just after a bit of guidance, I have sent a SAR to HSBC and pretty much been ignored ended up lodging complaints to FOS and ICO, the end game is all about PPI. I am corresponding with ICO and they will only get involved if HSBC have refused or ignored my request. I told the ICO my request has been ignored and sent them a signed receipt for the SAR delivered into a HSBC branch for delivery through internal mail system to HSBC data controller. The ICO have now come back and said this is not proof the bank have received the SAR and not proof the bank have been given proof of ID. Is this similar to other folks experience with ICO. How can I prove when the SAR was delivered to HSBC with my proof of ID that's exactly what it was and nothing else. Happy to provide more info from the ICO email TIA.
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