Horwich Farrelly / Debenhams

[42man]

Hi Dougal....and a warm welcome to the forums, you are amongst others who are/have been in similar situations to yourself.....

 

If it was me in your position, I would send this to the original creditor....

Unfortunately it will cost you £10 (send postal orders if you can)....and send it by recorded delivery.....but do it ASAP...there are probably some excessive charges that you can reclaim back too....but at least by doing this you will know where you stand, they have to send you this information back within 40 days....

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

print but don't sign your name

[42man]

You could also send a SAR to who ever you have been paying the debt off to also to check whether they have added some excessive charges too...

[42man]

It is up to you....are you paying Horwich Farrelly at the moment ? if so then yes.....but it could be that Robinson Way have added excessive charges too....Are you paying interest on the CCJ too ? if you are then I would query that as they would need the agreement to do this....As for GE / Debenhams...i'm not sure to be honest, I think it would be GE to send the SAR....unfortunately it costs £10 for each which is a pig but at least you will know where you stand.....

 

And please keep us posted too...