LLOYDS TSB SARS reply for more info help

[STUARTPPI]

Hi all, I have recently sent out SAR to LLOYDS TSB please see my letter below, then the reply from LLOYDS TSB, what a joke, how can they delay my SAR like this?? Any suggestions what I should do / template reply letter. I do not have any account numbers etc.Also the cc and loan I had were with TSB (who they now own) should I have stated it was TSB ??

 

LLOYDS TSB

PPI CUSTOMER SERVICES

BX1 1LT

 

Date 20 FEB 2013

 

Dear Sir/Madam

 

Please send me all data that your company holds relating to my entire account history.

Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return.

XXXXXXXXXXXXXXX, DO NOT SEND ANY

XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE

XXXXXXXXXXXX TO THIS ADDRESS

Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account.

 

I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice.

 

All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days.

 

In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves.

 

It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal.

 

Whilst not exhaustive and for the avoidance of doubt I shall list what I require:

 

* Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same.

* Copies of all statements relating to the above accounts.

* Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.

* Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.

* Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

* Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.

* Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.

*Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party.

* Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

 

I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

 

You have 40 days to comply with this request.

 

If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution.

 

 

Yours faithfully,

ME

 

 

Dear xxx

 

Your request for information under the Data protection Act 1998

 

Thank you for your latter dated 20th Febuary 2013 requesting information ubder section 7 of the Data protection Act 1998.

Please be advised having checked our records with the information you have supplied we have not been able to trace any accounts with Lloyds TSB bank plc. To enable us to complete your request, please could you supply an account/loan/card number, or any Lloyds TSB account numbers as this may assist us in identifying your records.

We are returning your request and £10 fee with this letter. Please return the request, letter-of-authority, and fee to us with the required information above.

Yours sincerely

Joanne Blake

Data Subject Access Requests

 

Any help / response or experience regarding this kind of reply top a SAR would be welcome, thanks for your help and I hope this threat helps others any help I can give just ask

Thanks all

STUARTPPI

Edited March 12, 2013 by STUARTPPI
additional information

[BRIGADIER2JCS]

Did you supply all previous addresses account details etc.

 

If these accounts have been closed for more than 6 years the data mayy well have been destroyed. It the CLOSED part that is important.

 

Credit agreements are unlikely to be provided with a SAR, there is no obligation for a creditor to do so,this is covered by CCA 1974.

[STUARTPPI]

Brigadier, thanks for sharing your wisdom,

 

Did you supply all previous addresses account details etc.

I supplied previous adreses not account details, I don't have these yet, I am trawling through paperwork to find

If the accounts are old then it will be very difficult for a creditor to locate data on minimal info.

 

If these accounts have been closed for more than 6 years the data mayy well have been destroyed. It the CLOSED part that is important.

They are closed, and it is more than six years however they may still have this information???

Possible but not probable imo.

 

Credit agreements are unlikely to be provided with a SAR, there is no obligation for a creditor to do so,this is covered by CCA 1974.

I thought the SAR would include all statements and the agreement?

There is no specific obligation to supply agreements with a SAR. The ICO state that they MIGHT expect a creditor to supply them BUT CCA'74 covers the production of agreements.