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Mrs E Blackadder

when is it too late to request SAR etc

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Hi, just a quickie.


Can you still apply for information like SAR and CCA Agreements even after something like a CCJ or Charging Order has been applied, and if so can you then use that information to get the aforementioned setaside?


My ex and I knew nothing about these things when debt struck, but now I, at least, do and I am wondering if it is too late to challenge anything that has gone through the court system?

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a sar can be made at any time. no point doing a cca request now as a copy of an agreement can be requested in a sar, and there already is judgement.

i think any info can be used re a setaside if it is relevant. were the claims admitted? if so, it may be v difficult to set aside.

re set aside, see here for eg






Edited by Ford




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Thanks for your reply.


No, none of the claims were admitted, just ignored completely! This is how they managed to get their CCJ etc. They are actually all my ex's, but if there is any chance of explaining to him that they can still be challenged, he might just do so.

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ofcourse you can challenge them and get them set aside


esp if things like the default notice is invalid or the termination was done early


get those sar's off to everyone that got a ccj against you.


and then make a thread in each of the relevent nnamed forums for the oc's



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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