subject acsess request - what am i looking for?

[PGH7447]

Also the payments dont make sense

 

if you had a debt of £5727.62 and you had to pay £192 a month for I presume 36 months? then total repaid would have been £6912

did you pay £200 every month?

if yes then you have paid £6400 thats £200 x 32 months assuming you have missed the 4 months they claim. - so you have still overpaid

what is the £34 a month for?

I see they are contributing £166 towards the loan

so £166 x 36 = £5976 which is still £200 more than what the loan was originally for

 

and 36 x 34 = 1296 for What?

 

you need to sar these fools and pin them down.

 

I would also stop any further payments until they comply with your request, they are definatley taking the proverbial

[princessrachellucy]

no i havent sent a subject access request,im new to all this so dont have a clue what that is and why i need it etc...but i will def write and ask for one.

[princessrachellucy]

Also the payments dont make sense

 

if you had a debt of £5727.62 and you had to pay £192 a month for I presume 36 months? then total repaid would have been £6912

 

did you pay £200 every month?

 

if yes then you have paid £6400 thats £200 x 32 months assuming you have missed the 4 months they claim. - so you have still overpaid

 

what is the £34 a month for?

 

I see they are contributing £166 towards the loan

 

so £166 x 36 = £5976 which is still £200 more than what the loan was originally for

 

and 36 x 34 = 1296 for What?

 

you need to sar these fools and pin them down.

 

I would also stop any further payments until they comply with your request, they are definatley taking the proverbial

yes its 36 months, i have paid 200 for 2 years, i have 4 missed payments, the £34 a month was for the insurances that i took out (but cancelled after 9 months)

obviously i need to write them a complaint letter but i have no idea what to say, im not very good with figures etc

[beyondhope]

There is a template for the sar letter in the templates section on the main forum if you need a hand finding it just shout

[beyondhope]

This is a good one to use as it leaves no excuse not to send you everything

 

SEND TO

 

WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

GOOD HUNTING

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

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 copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other 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 financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

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.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be 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 from my local branch.

 

 

Yours faithfully,

 

(stolen from another thread thanks postggj)

[princessrachellucy]

thanks, but what do i do when i recieve this, im asuming the letter will give me figures etc about my loan?, im sorry but i dont have a clue, ive never done anything like this before,

[beyondhope]

sar will contain every document computer note everything they hold in relation to you and any accounts you have with them. This will show you what has been added and when and their reason why.

[princessrachellucy]

oh thats great,i will definetly send away for this and as soon as i get it i will let you's know and hopefully be able to shed some light on it all.

thank you so much for your help

[PGH7447]

also if you cancelled the insurance then ask why they are still taking the £34 for it instead of applying it to the loan

[Sand-Dancer0191]

Head Office

 

welcome financial services

compliance

ruddington fields business park

ruddington

nottingham

ng11 6nz

[maroondevo52]

Two threads merged.

[princessrachellucy]

i asked them about the insurance money and she said that 34 woud just be paying my arrears off but it still doesnt add up to me.

[PGH7447]

because they use creative accounting, wait for he sar to be complied with then see what they have been playing t, like £10 for phone calls even if they dont get through, £25 for a letter saying nothing

[princessrachellucy]

hiya just a update, ive sent the subject acsess form of today with £10 postal order and recorded delivery, cost me £12.50 so hopefully they will send this to me rather quick but im kin of thinking they will drag it out, i will post again when i get it

[PGH7447]

they will drag it out - now sit back and wait,

[princessrachellucy]

hiya what is a default notice and a cca, i have no idea about any of this and didnt even know what a subject acsess request ws till last week, i hear every one on here talking about all this and i dont have a clue.

[silverfox1961]

A default notice is something a creditor will (should) send you should you fall into arrears on your account. The DN gives you an opportunity to remedy the default (bring your account up to date) and if you fail to do so, they will then mark your credit file with Credit Reference Agencies meaning it will be very difficult to get credit for around 6 years.

 

A CCA is the agreement you signed when you first got credit. In times past, creditors sent out agreements that didn't comply with regulations meaning that the debt on it was unenforceable via the courts. It doesn't mean the debt disappears.

[princessrachellucy]

thank you, i dont know a lot about things like this. interesting though:D

[beyondhope]

princess if theres anything u dont understand just shout one of us will know

[princessrachellucy]

hiya,

i have got my SAR back this morning, but i really havent got a clue what i am looking for? i dont have a scanner so cant upload them on here, theres so much paper work to go through i havent a clue what to look for.

please help

[MandM]

It depends on what you're hoping to achieve from it.

 

Are you looking for payments for mis-sold ppi for instance?

 

M

[dx100uk]

all this is on your other welcome thread

yet again you've started a new one when the other is where you should post.

 

KEEP TO ONE THREAD

 

then people can see what has/has not been advised and why you requested the SAR.

 

i'll get them merged.................

 

dx

[Rooster-UK]

Three threads merged.

 

Please keep to one thread per problem otherwise other users will not know where to post advice.

Edited May 8, 2010 by Rooster-UK

[princessrachellucy]

e im really sorry, cant believe i have done that, was meant to post it on welcome thread. ooppps sorry

[postggj]

hi princess

 

been asked to drop in

 

first of all

 

can you get to the library or internet caffe to upload you agreement, at least copy it to a flash drive

 

give me half an hour and ill decode the figures on the agreement