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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
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SAR/CCA to Vanquis

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Similar to http://www.consumeractiongroup.co.uk/forum/getting-out-debt/213625-sar-advice-one-send.html


Can anyone recommend which of the many SAR/CCA templates available are best to send to vanquis over a credit card debt & mis-sold PPI. I think i have the right ones but i would appreciate some advice from others before sending them off.

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Similar to http://www.consumeractiongroup.co.uk/forum/getting-out-debt/213625-sar-advice-one-send.html


Can anyone recommend which of the many SAR/CCA templates available are best to send to vanquis over a credit card debt & mis-sold PPI. I think i have the right ones but i would appreciate some advice from others before sending them off.


RE SAR template

Hi DarkConvict,


I sent the letter below and received back most of what I wanted.


25 Days Late,3.5 Kilos Of SAR Arrives With 1989 Agreement


It's from the CAG library more or less and is not too specific about any one aspect.

In a perfect world a Subject Access Request should give you all of the data that the recipient holds on you,but sadly it's not a perfect world and the Banks and other financial institutions are a million miles away from any degree of perfection.



Data Protection Act 1998

Subject Access Request



Dear Sir/Madam




xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxx x



Please supply me with all transactions and charges and all other data relating to my credit card and banking history with your organisation. This includes in particular, but is not limited to, the following:-


1. The original signed, executed credit agreements and any terms and conditions that applied to any of these account at the time of any default and at the time that these accounts were opened.

2. Dated and notated transcripts of all telephone conversations recorded, and of all notes made in relation to telephone conversations participated in by your company, or by any other interested party when dealing with my accounts

3. Where there has been any event in any of my accounts histories since they were opened 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.


[if you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.]


4. True copies of any notice of assignment and/or default notice or enforcement notice that you or any companies acting with your authority and on your behalf have sent me, together with a true copy of any proof of postage or delivery that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, and the date it was added.

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 these accounts 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 any third party agencies to which you have disclosed my personal data and a summary of the nature of the information you have so disclosed and for what reason.

10. Copies of statements for the entire duration from inception of the credit cards and likewise for the bank account and details of any and all variations to the terms and conditions made applicable to any of these accounts during their existence.


In summary I require a full disclosure of all the personal data that your company holds on me including and not limited to:-

All account information, loan information, contracts, agreements, notes, screenshots, internal correspondence, telephone recordings and any related notes or transcripts, wherever held within the group regardless of the media, form or format in which it is held.


I enclose the statutory maximum fee of £10 by Postal Order No.xxxxxxxxx.


You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.


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.

I would be happy to collect the Data resulting from this S.A.R. from my local branch of your organisation.

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And don't forget to type your name or just initial it don't use your usual signature and at the moment I would definately send it SD (doesn't go via royal mail) as opposed to RD due to the postal strike.



I have no legal training my knowledge comes from my personal life experiences

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Thanks, ill get that printed off now. its for a friend who has had the trouble so im sure he'll be glad i have this ready now :)

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