cahoot or santander

[kbroth66]

Hi,

first post so be gentle, I had a credit card and flexi loan with cahoot that started in 2002 both finished now but have no account details i'm sure they had ppi and would like to find out,should i write to cahoot or santander who now own cahoot and ask for a sar also i could have had loans with A&L which is also santander if i apply to santander will i get all info.

 

thanks in advance

[citizenB]

I would think you need to send your Subject Access Request to Cahoot as they were the original provider.

[citizenB]

As for A/L then I would think that as Santander took them over, lock stock and barrel then you would send a Subject Access Request to Santander

[park1]

I would think you need to send your Subject Access Request to Cahoot as they were the original provider.

 

sorry to jump in but if the account is now with santander, did they not buy out cahoot like a&l and so you would sar santander?

[ims21]

Hi

 

Google the registered office of each lender and send the SAR addressed to the Data Controller to each.

 

Cahoot and Santander I already know have the same address....I haven't googled A&L

 

Regards

 

ims

[kbroth66]

Hello all, i sent the SAR to the head office of cahoot which is the same as Santander ( Trinity House) .Today got a SAR from them with just one loan that me and my wife took out (A&L) which had no Ppi attached to it.

Firstly on the SAR the only name on the request was mine so should the loan have come back on the SAR with my wife on it and there is no mention of the Cahoot Flexi loan i had or the cahoot credit card or any other account i hold with Santander.

[ims21]

Hi

 

Is the full 40 days up yet?

 

ims

[kbroth66]

No not yet, but on letter recieved it states " Further to your letter, we have now completed the search of our files and systems for data and we have collated the personal information . The information atteached covers the data held about an unsecured personal loan quoted and is that to which you are entitled under the data protection act. Historical information can only be retained if there is a legitimate reason for processing the data in accordance with the rights of an individual. Therefore, due to the time elapsed, some of the original account records will have been destroyed in line with our retention policy. We trust you are satisfied with our findings and hope the enclosed information is of assisstance. " so should still expect another SAR

[ims21]

Hi

 

You could send a reminder thanking them for the information supplied thus far and that you look forward to receiving the remainder within the time laid down the the DPA.

 

Remind them that the SAR request was for ALL and ANY information held in respect of your dealings with them and is not limited to one account.

 

Tell them that of they are claiming that some information has been destroyed, you want details of the date of destruction, the method, the reason it was destroyed and the name of the person who authorised the destruction.

 

Send to the Data Compliance Manager, preferable recorded.

 

ims

[kbroth66]

Ok thanks for advice.

[pumpytums]

Santy are both Jekyll and Hyde when it comes to PPI refunds,

if you have the account number they will pay up generally within 2 weeks from complaint to cash in your account. Unfortunately if you don't have the account number they are awful. I helped someone in my office who had lost the account number. I would first check your credit reference file if the loan or CC finished within the last 6 years it should still be on your CRF. This at least secures the fact that you had account with Cahoot. Next get hold of your bank statements for the period they will definitely have the information they will just make you jump through hoops to get it. If the Loan/CC finished within the last 6 years they must have the info and they must supply it.

 

I had several accounts one of which dated back to 2004, they still had the info on file as they were able to calculate the PPI refund.

 

Be very firm with them and keep pressing them they will pay up in the end. Follow IMS's advice.

 

 

Pumpytums

[kbroth66]

Hi, I was looking through some old papers and came across old Cahoot credit agreement for Flexible Loan started 2002 so have account no on agreement , but also have had other accounts with Santander so i should receive info on all accounts with them on SAR i hope?. Have sent letter off as advised by IMS asking for rest of info so will wait and see what reply i get, I have already got CRF i closed my accounts with Cahoot in 2009 Flexi Loan and credit card in 2007 so they should have all details for these accounts so shall wait for reply.Will post back with reply i get.

 

Thanks for advice

[pumpytums]

Hi K,

well done on finding your info.

 

The thing to remember with all Cahoot on-line applications is that the PPI was preselected by default, also the site actively encouraged you to take it. The PPI was very expensive and could be purchased for a fraction of the cost from 3rd parties. I believe Cahoot never mentioned that these policies could be purchased from elsewhere. To sum up Cahoot did not provide you with enough information prior to taking their PPI to make an informed decision.

 

I successfully reclaimed my PPI from Cahoot for a Flexi loan as it's a rolling loan you will get premiums +8% + Contractual interest.

 

Fill in the questionnaire and send it off. DO NOT GO through claims companies they will take a large lump of your money for doing nothing.

 

Pumpytums

[kbroth66]

Hi Pumpytums,

Ims.

 

Received reply to letter i sent today:

 

I am returning this to you ,as you have not quoted a valid santander cards account number.

 

I can only suggest that you check if this request doe refer to an account with ourselves, if so return this to us quoting correct accoont number.

 

I also received letter back.

Should i reply asking for all info or just give account number i have, i know i have had other accounts with A&L,Cahoot and still have santander card. Is this just Santander trying to fob me off?

Ps, the forty days are up on thursday.

 

Cheers again for all help

[ims21]

Hi

 

I would write back and say that you do not need to supply an account number. Tell them that your SAR clearly stated that you wanted details of ALL dealings with them involving ANY and ALL accounts held.

 

Make sure thay have the various addresses (if applicable) that you were residing at during your relationship with them.

 

Tell them that after x date they will be in breach of the Data Protection Act and as such you will be lodging a formal complaint with the ICO and may start legal proceedings to force compliance.

 

Send recorded addressed to the Data Compliance Manager.

 

ims

[kbroth66]

Hi Ims , wrote back today will post reply.

 

Thanks for your help

[kbroth66]

Hello everyone, been away for a while so thought i'd post a quick update or lack of it really,nothing has happened since last post ,I wrote back on above date and have recieved no reply at all any advice on what to do next really appreciated.

 

Thanks

[ims21]

Are they over the 40 days for compliance?

 

ims

[kbroth66]

Hi Ims , yes its about three weeks over, when i sent Sar i just addressed it to santander not cahoot as i have had other accounts within the santander group is this right or should i have sent the Sar just to cahoot?

 

Thanks

[ims21]

Well, being the sane group they should have passed it to the correct department.

 

Ideally though you should have sent it to Cahoot.

 

Have they cashed your £10 payment?

 

ims

[kbroth66]

Hi Ims just been checking statements it does not look like they have cashed check, but they have sent me info about an A&L loan i had in joint names with my wife. Sorry just found it on statement so it has been cashed.

Edited November 25, 2011 by kbroth66
amendment

[ims21]

OK so in earlier psts you said that your SAR was to Cahoot at theor address (which happens to be the same as Santy's now of course) but you haven't received Cahoot data and they have cashed your cheque.

 

So write back to Cahoot saying that they have had your payment, that your SAR requested ALL data and was not restricted to any particular account and that as 40 days for compliance has well and truly expired you feel that they are in breach of the DPA. Ask them for the name of their Data Compliance Manager as you will be reporting them and the company to the ICO if you don't get your data within the next 14 days and that in that complaint you will be naming that person.

 

Send recorded to their head office and address it to the compliance manager.

 

ims

[kbroth66]

Ok Ims ,so should I address to santander or Cahoot?

[ims21]

Cahoot

[kbroth66]

Ok Ims thanks for your help.