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AA Loans HBOS sar stalling tacticsl


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Hi had two loans with the AA about 2000 to 2004 and i am 99% sure they had PPI on them so sent SAR template letter.

plus the £10 fee explained in the letter that i had no statements or account numbers for the two loans.

they replied straight away saying i provided insufficient details to locate any AA accounts.

we wiil be unable to process your request until we have these alternatively you can contact us to arrange the return of

your fee.

I wrote back telling them again i do not have any account numbers or statement of accounts but they dont read

what i am telling them and another letter comes telling me the same as the first they can not process my request without this information.they apologise for any inconvenience but to enable your request to be dealt with, you must return the enclosed

together with the required details as soon as possible.

how many times do i have to tell them i dont have this information till they get the message.

and what is my next plan of action.and can they just keep telling me to provide the info i do not have.

any advise would be welcome a big thanks in advance cheers ian

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Hi

 

Did you give them your full name and the address(es) you were at when the loans were taken out for the duration of their existence?

 

If the loans were settled in 2004 then it may be that they actually don't have details on you any more.

 

ims

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1. Single Premium PPI Q&A Read Here

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4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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yes i gave them my full name and address where i was when i took the loans out and yes they were probably paid off by 2004 so does that mean i cant get that information because it is so old thanks ian

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Hi

 

The thing is that they only have to retain information for a period of six years following the ending of a relationship. Having said that, we do know that some banks hold information for a lot longer.

 

What I would do is send them the failed SAR letter from the CAG library.

 

Add in a paragraph to the effect that you are not satisfied that they cannot locate your information from the details you have supplied and that you intend to bring their non compliance to the attention of the ICO by way of a formal complaint to them.

 

See if that jogs them into looking a bit harder or at least confirm in writing that they no longer hold any data for you

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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