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Found 6 results

  1. Hi all! Until recently I was running my own business. Times have changed and I find myself in need of paid employment. A lot of companies ask for FULL EMPLOYMENT HISTORY since leaving school. I'm quickly approaching 60 years old, I've had numerous jobs since leaving school and don't even remember the salaries of most of them. I feel that if I were to submit an application WITHOUT a full employment history since leaving school, my application may only get as far as the waste paper bin. Any of you knowledgeable people out there know if a Subject Access Request to the DWP would give me the required info for these demanding employers? Kind regards
  2. I sent a Subject Access Request to West Yorkshire Police for data they may or may not hold on me. I sent the £10, the notice, and received a reply (which I have scanned and pdf'd) I have highlighted the section that smells to me like, 'You do all the work thepalace1' Is this against the Data Protection Act? I was under the impression that on receipt of request and acceptable I.D, they had 40 days to provide ALL data they hold about the Data Subject. I replied stating I would not be doing their job for them although I understand and accept that they are more than likely very very busy, but I would not be doing their job for them, and reminded them that they had (under the Data Protection Act) to provide ALL data held about a Data Subject and they must make a reasonable effort in trying to find the data. Am I correct in my reply to them? Do I have to provide 'Narrowing Search Queries'? I ask for ALL or ANY data held are they obliged to comply if I don't give them more than my Name, address, date of birth etc etc.. I have a suspicion they are going to write back saying they are not obliged to run a deep search for local data. thanks in advance thepalace1 [ATTACH=CONFIG]42647[/ATTACH][ATTACH=CONFIG]42647[/ATTACH]
  3. Hi, I'm new to the site and it looks like an amazing resource with lots of helpful people. I'm hoping that someone will be able to help me with a couple of questions that I have: Firstly, I have a credit card that has definitely had PPI active on the life of the card. This card was originally taken out with Abbey, but it was actually an MBNA card, that I think was managed by Abbey. Then more recently, the card was taken over by the Bank of America, as (as far as I understand) MBNA was taken over (or their credit cards were) by Bank of America. I am planning on doing a SAR to find out everything so I can best prepare my compliant, and I'm a little confused to who I should send it to. I think that I would have to send it to Bank of America, but I'm unsure. As I am trying to obtain copies of original agreements and records of telephone calls relating to my CC application, does anybody know if Bank of America will be able to supply this information, as the agreements were originally with Abbey? Or will it be possible to get that info through Santander (previously Abbey National)? I'm unsure when I originally took out the card (bizzarely, it doesn't seem to show up on my credit report, so I can't check), but I think it was about 8 years ago, and as I said, the card is still active and had PPI on it on the last statement. Secondly, I'm also looking to investigate a loan that was settled in 2009 with Santander, but am struggling to find the account number. If i send a SAR to Santander in relation to this, with my full name and address, and the dates that the account was opened, is it likely that this will be enough for them, or are they likely to try and fob me off? Hope that makes sense. If you need me to clarify anything, just let me know. Any help would be very much appreciated Thanks,
  4. In June 2011 Countrywide Residential Lettings (trading as Gascoigne-Pees) were asked to provide me with all information relating to the property they were managing on behalf of my Landlord. The request was a Subject Access Request under Section 7 of the Data Protection Act. They ignored my request until I sent a formal reminder to the manager, and asked for a £50 admin fee, the law only allowed £10 and I responded that I will pay the £10 asking for instruction how to pay it. After a month I had not heard back and took the complaint up with a manager. Eventually the file was given to me, outside the statutory time limit. Having checked through the file it was incomplete, relevant details had been marked out with black pen. I complained formally to the Information Commissioner's Office. The ICO responded to me in writing, and their finding was that Countrywide was unlikely to have complied with the Data Protection Act, it was also their belief that the company is unlikely to comply in the future and that guidance had been given to the company. In November 2011 I sent a letter to Countrywide, stating that I request compensation of £250 for the failure to comply with the Data Protection Act. The company chose to ignore this letter. In December 2011 a claim was issued in Northampton County Court, and in January 2012 Countrywide has been in contact with an offer of out of court settlement for £225. This offer has been accepted.
  5. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Date: 3/11/2010 Dear Sir/Madam Thankyou for your letter of 21/09/10, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account on two separate occasions. On 02/09/10 Imade a second formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. You have failed to comply with my request, and as such the account entered default on 16/10/2010. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account. Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into a default situation. This limit has expired. As you are no doubt aware section 78(6) states: If the creditor fails to comply with Subsection (1) (a) He is not entitled , while the default continues, to enforce the agreement. Therefore this account has become unenforceable at law. As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collectionwhich state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows – 2.8 (i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued' (k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt' Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Furthermore I shall counter claim that any such action constitutes unlawful harassment. Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies. Should you refuse to comply, you must within 21 days provide me with a detailed Breakdownof your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 21 days I expect that this means you agree to remove all such data. Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party. *You may not register any information in respect of the account with any credit reference agency. * You may not issue a default notice related to the account. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully I later received a letter back stating: We will not be pursuing the above account for the outstanding balance. However, as the debt remains unsatisfied, this will be noted on our internal file for future reference.This information will also form part of your records at the Credit Reference Agencies where we share information. This information will remain on your credit reference file for 6 yeards and may affect your future ability to obtain credit with other companies. To avoid this detriment to you credit file, please contact us to make a payment. Now this has angered me as it is quite clear they dont have the agreement and in my last letter it was stated that they should not put any marks on my Credit report yet they insist on doing so. I am not sure what to do next as I dont want my credit file to be damaged please help me. I would like to also mention two things: 1. I have NO problem with paying off the debt providing that the late charges are removed although this cannot be done without the SAR being granted in order to look at past statements 2. I would also like the default on my credit file removed upon doing so. Thanks in advance xxx
  6. Hi Folks, I've had issues with a company (The Post Office) where they have referred me to a debt collection agency for an account that should have been closed by them in 2008. Last November I sent them a Subject Access Request (SAR) including the £10 fee. On the 28th of November I got a response returning the £10 and saying that the request would be passed on to the appropriate department. 40+ days have passed - and now I get another letter telling me to send £10 in again to another address along with ID in order to get the SAR processed. Can someone confirm here where I stand? To my mind, I'm being messed about and feel like I've been put in a holding pattern. If they've acknowledged my request back in Nov 2010 and not stated the need for additional identity information - plus have taken longer than 40 days to get back to me - are they then entitled to fob me off like this? Advice appreciated.
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