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    • It definitely has to be 100% or they have pulled a fast one on you - even before the govt clarified on this I found advise to this end that it has to be pre-furlough pay.
    • I thought so, I managed to get hold of ACAS and have put in a claim.    thank you 
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    • Thank you so much for the replies already!   Just to add to the original post , I no longer live at the address that they've send the letter to (have changed my address with DvLa) not sure if it makes a difference    For a windscreen ticket  1 The date of infringement? 11th February 2017   2 Have you yet appealed to the parking company yet? Yes. I dont have any evidence of it as it was from 3 years ago. I sent photos of the car park and my parking ticket . I still have the paid parking ticket    has there been a response? No.      have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I can't recall this. But I believe I may have    When I received debt collectors letters , I then sent the offer to pay letters and the PDA   5 Who is the parking company? One parking solution    6. where exactly [Carpark name and town] did you park? Vantage point , brighton  08-13-2020-11.24.33.pdf offer to pay - pcn.pdf pda.pdf
    • ok, bit more info i should have stated. The claim was started within the 6 years stat limitation. the hearing was after 6 years had expired and so was the strike out. It is now 8 years past default notice, and i have not heard anything since strike out for 1.5 years. surely another claim for the same terminated account is timebarred, even if they change the amount to a lesser amount.   the issue is the oc bank has written to me stating i am due a refund of wrongly taken charges and interest FROM 2011 and have applied the refund to the os balance, which is with the purchaser company who was struck out. The oc say they have informed the purchaser of the revised balance, which means the claim against me by the purchaser was for the wrong balance. surely this does not mean thy could use this balance for a new claim 8 years later? this smells like a trick.
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Subject Access Request - What am I entitled to receive?

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I'm in dispute with the A & L and submitted a SAR and today rec'd a pitiful amount of info. I know they have tons more info regarding my loan. They submitted a report to the FOS regarding false signatures on my account etc and I want to see this and other letters relating to this.

 

Are they legally obliged to send me ABSOLUTELY EVERYTHING relating to me and my loan account?

 

thankyou

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It is my understanding that you are entitled to 'everything'. Report this to the ICO Complaints - Privacy & electronic communication - ICO

 

Is there a covering letter from them which confirms they feel they have complied with your request?


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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yes, it talks about historical info being destroyed due to their retention policy though it was only in 2005 but i want a specific report prepared by the A & L into why false signatures appeared on my original loan agreement and i haven't got that. surely the SAR covers all letters relating to my loan and the issues therein?

 

so there is no recordings about the PPI misselling in which i refused PPI but had it forced upon me which is very convenient for the A & L

 

my case is with the A & L at present

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There is a requirement for banks etc. to retain paperwork for a number of years to cover money laundering, so there may be some hope there, I will try and find more info for you.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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