Letter help please SAR?

[mccarthybaby]

Hi,

 

Am just getting some info together to start off the process for Credit card charges, PPI and CCA if this last part is an option.

 

What i am having difficulty in finding though is one letter template that icovers all of this. I am assuming that i will need to do an SAR but want to also get all info relating to any PPI that may or may not have been included and also signed copies of agreements.

 

I have for instance a closed account with natwest which i have successfully reclaimed back charges for (thanks to CAG) but i can not find any details of a loan and credit card that i took out with them which i assume was linked to my currant account? I know the loan was treated as a consolation loan as they wouldnt extend my overdraft but gave me a loan. Obviously these have been paid and settled but i think i had PPI on the loans for sure was told that it had to be part of the agreement - even though i have a long standing illness so this would never have paid out. Not that i was ever asked for medical history.

 

Sorry seem to be going off course here.

Anyway could someone please either help me with a template letter that asks for all above info and anything that i may have missed off or point me in the right direction.

 

Need to be able to amend for loans, credit cards, store cards, catalouges and everything in general as between myself and my lovely OH we have a lot to get through.

 

Many thanks

 

L

[B3rty]

Hi--Try this one which is the standard one used

 

Company name

Address

Town

County

Postcode

 

Date 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

 

Your name

Name

[mccarthybaby]

Thanks for your response, very much appreciated and just what i was looking for.

 

Thanks

 

L

[mccarthybaby]

Ok just done 7 letters to be posted tomorrow.

 

Littlewoods catalouge x 2

wellcome finance

Northern rock cc

Halifax cc

Asset link 3 accounts all comet, time card

barclycard cc

 

So will wait and see what happens. Just one thing who do i make cheques out too? Take it the companies i am sending them too as some of these are with DCA now.

 

Thanks

 

L

[B3rty]

This is just my personal opinion

 

I CCA.s78 request whoever holds the account but SAR the original creditor as the DCA will not have the copy agreement.

 

The benefit of the SAR is producing ( or not )in some cases the agreement, and also claiming back penalty charges...be careful as many OCs will just send you a copy of the CCA data they hold rather than a copy of the agreement so you need to follow any of these up with a official complaints letter and also report them to the ICO