How long?

[xboxer]

Just a quick question hopefully!

 

How long by law is an OC supposed to keep your records for?

 

thanks in advance

[count orlok]

I believe it is six years after you have closed the account (something to do with money laundering I think), although many creditors will claim differently.

[dx100uk]

yep 6yrs

 

dx

[xboxer]

Thats what I thought.

 

BH are giving me the run-a-round on a SAR request and stated "oh it's been just over 5 years now, it doesn't show on our system".

I challenged them about keeping records for 6 years to which they replied "oh I don't know?" and that was their solicitors! IDIOTS

[xboxer]

Thanks for the help!

 

Is there a law or guidelines I can quote when I next contact them?

[silverfox1961]

Go here:

http://www.hmrc.gov.uk/mlr/your-role/resposibilities.htm

have a look at record keeping requirements and apparently it's 5 years

[xboxer]

Hmm just shows you how dodgy the whole industry is.

 

You can be liable for a debt for 6 years but send a SAR to get the info and if it's after 5 years they won't have it!

 

BH is more like BS.

 

SAR'd Lloyds can't find info, sent to BH.

BH can't info, passed to Edinburgh solicitors.

Edinburgh solicitors can't find info, they check Cardiff solicitor's database and find agreement number but can't give me info.

Told to phone Cardiff.

Phone Cardiff, they can't find info, not a valid agreement number! Told phone to Edinburgh!!!

 

I feel a complaint coming on!!

Edited April 13, 2011 by xboxer

[xboxer]

Right spoke to Edinburgh again!

 

Finally got someone who knows what they are doing. She has confirmed they have the original agreement, T & C's, Charging Order, etc on fiche.

 

So I now have to SAR them.

 

Although they did confirm the CCJ was settled 2 months earlier than reported on my credit file.

Edited April 13, 2011 by xboxer