SAR for 6 HSBC acc's

[Spitfire]

I've had six accounts with HSBC since first banking with them nearly 20 years ago now.

 

What I would like to know is do I have to send off 6 SAR's thus costing me £60, or can I just send off one with all the account numbers in it? I've read the SAR and it does say to hand over ALL information on me. Well all info would be all accounts...Yes...No?

 

Thanks

[BRIGADIER2JCS]

NO one SAR covers all accounts state you require ALL data relating to ALL accounts held with HSBC at any time, give as much detail as possibe all previous addresses if any.

[Spitfire]

Brilliant! Thank you

[Bandit127]

Based on my experience, I would advise the following.

1. Sign the request.

2. Be prepared to chase it.

3. Don't expect them to comply within the 40 days for so many accounts. Mine took 104...

4. Don't expect anything older than 6 years. I am assuming they think that statute of limitations applies to data.

5. Expect a letter from their insurance division requesting a separate SAR for insurance docs (they claim this is required because it is a separate legal entity).

[Spitfire]

The main account I used I have all statements dating back to 1999. These statements don't make a huge amount of sense when trying to work out when and where loans came in and out. I've already I had one PPI claim sucess on this account dating back to 2002. Trouble being after one year I increased it thus changing the original contrct with the loan. I did this serveral times over the years (increased the loan) so I now have to chase each individual increment.

 

Hope this makes sense

[Spitfire]

Sent off the SAR for 6 accounts. got a reply within two days returning my cheque and telling me it is now a free service and all the requested paperwork will be along shortly .....Happy days!!!

[MARTIN3030]

I would be very wary of any free SAR.

The problem is that you are then at the mercy of what they choose to send.

[BRIGADIER2JCS]

My thoughts exactly makes one wonder what HSBC wants to hide!!

[Spitfire]

Theres not really a lot I can do about it. I can't make them accept the cheque.

I'm just amazed at how fast they replied. I've already had successful claim and that took months.

[MARTIN3030]

I had this recently with Barclaycard.

They returned the PO.

But it was sent back to them after the SAR arrived and was found to be missing most of what was originally asked for.

They later complied in full.

[BRIGADIER2JCS]

This will need to be carefully watched inexperienced users could be led in to a false sense of security by the offer of a fee free SAR.

[Spitfire]

Ok I will keep you all updated.

 

Biggest problem being, I wouldn't know if they had held anything back???

 

I have statements showing PPI payments going out but not all of them. It shows money going in and out but not in any detail or where from and too. If that makes sense. I want all the paperwork so as I can work it all out.

[BRIGADIER2JCS]

My advice would be to write to their data controller, return the £10 stat fee and demand that they fully answer your request immediately and you are reporting their conduct to the ICO.

[Spitfire]

I've looked at the ICO page and it says that I can only make a compliant if they do not comply. They've not done anything yet, just sent my cheque back??

[BRIGADIER2JCS]

If you believe reasonably that relevant data has been with held you can of course complain.

[MARTIN3030]

What exactly did you ask for ?

[Spitfire]

I sent a SAR requesting all information they held about me on all 6 accounts. All account numbers were supplied.

[MARTIN3030]

So it was not specific then ?

[Spitfire]

How specific do I need to be? A SAR does state to reveal ALL information.

[MARTIN3030]

Unfortunately a Data Controller can insist on specific info as I learned in 2006 with a Citi SAR.

They deemed it to be an open ended non specific application.

They also supported it by including the relevant sections from the DPA.

[MARTIN3030]

Yes thats correct.

 

http://www.guardian.co.uk/business/2011/may/24/rbs-axes-jobs-telford

[BRIGADIER2JCS]

More and more creditors are routinely demanding more specific requirements and stricter ID for SARs, not sure what hasprompted this action.

[Spitfire]

I've now recieved a letter from HSBC. All it has in it is a list of bank charges. Which I claimed back years ago. No statements or loan agreements!!!

 

So you were all correct in your assumptions about being wary. I'm guessing I will have to write another letter requesting full disclosure??

 

Now I'm really not very good at writing offical letters. Could someone help me out here with a template or something?

[BRIGADIER2JCS]

The creditor is not obliged to supply agreements with a SAR, they are covered by sections 77/78 of CCA 1974.

 

There is a non compliance letter in the CAG library.

[Spitfire]

Update:

I've rung HSBC's complaints department. I was told that there was a mistake and that my SAR went through to the wrong department and that as it was their fault they are going to wavering the £10 fee and send me all the info I requested in the first place. Also whilst I was on the phone she asked me why I wanted all this information so I told her about my PPI claims. She said that she could see from the information she had infront of her that I had three more PPI claims????? I wasnt even aware of these. Anyway. She said she could start the claim there and then. So all the other PPI information I was looking for was sitting there in front of her all the time.

This is second time I've had to resort to the compalints dept and both times they have told me to go directly to them as the claims dept is snowed under. Also both times they have bent over backwards to help me.