lloyds tsb sar problem

[STUARTPPI]

Hi all I issued a SAR to LLoydsTSB they replied asking for account numbers and returned my £10 cheque .

So I sent a letter to my branch bank after calling them via telephone asking them for the account numbers which they said they would supply

I received a letter today saying I have no PPI on the account information sent to them ??? What account info? They say the matter is closed ?? What nonsense, anyone else had this?

 

Are they allowed to keep information from me because I don't have the account numbers? I need to get up in the loft ??

 

I am going to write them one more letter then it's off to the Information Commissioners Office me thinks?

 

Anyone had similar??

 

Any advice from you lovely peeps??

 

wanna share their experience with LloydsTSB??

[ims21]

They should not need account numbers.

 

If your SAR was for everything they hold on you then they should be able to find data from your name and address.

 

Re-submit the SAR and the payment and tell them that they are required to respond positively and failure to do so will result in a complaint to he ICO and they you will also seek compliance through the courts.

[big fish]

Why not pop in to your local LTSB and ask for a printout of your accounts history. You may need some ID although any account number should suffice, I did, showed FIVE LOANS with PPI on printout. Four won so far, one to go. However, that is just the start of the battle. I was directed to Black Horse and all over the show, still awaiting info on two loans from SAR. Email your concerns to the CEO Mr Osario it may help.

 

I was requested to SAR Lloyds Insurance Services for info regarding PPI payments and then recieved limited info on three accounts. My SAR from LTSB showed loans with no PPI details however it did show that the loans were refinnanced into each other in a note below the figures. Best of luck.

 

Big Fish

[STUARTPPI]

ims21 thanks for your reply, do you have any templates of letter I could copy parts from to make this clear to LTSB??

[STUARTPPI]

big fish, I may just also give this a try thanks, I will keep you posted

[ims21]

There is a failed SAR template in the CAG library which you could adapt.

 

Technically this is not a failed SAR but the letter can be used as a layout and includes some of the things you want to mention....you will need to amend it to reflect the points you want to make though.

[STUARTPPI]

ims21 thanks again for your help, I am having problems finding the templates sorry to be a pain can you send me a link perhaps?

Thanks again for your help in this matter

[ims21]

Here you go

 

http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

[STUARTPPI]

Hear are the letter I have sent, in order, the last one is bonkers

 

 

LETTER TO LTSB

 

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

 

LETTER FROM LTSB

Dear ME

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

 

LETTER TO LTSB my branch

RE: TSB BANK - ACCOUNTS / INSURANCE POLICIES INFORMATION REQUIRED

Date 12 MARCH 2013

Dear Sir/Madam

I recently contacted this branch via telephone (Jan 2013) and explained my concerns as I believe I had been mis-sold PPI and asked for account details which relate to, firstly a TSB loan and secondly a credit card. The employee of the bank I spoke to advised me to write to bank to obtain this information.

I took out a loan with the bank TSB approximately £8000, APPROX 1995 / 1996 /1997 my address at the time was, see below. I also had a TSB Credit card around this time.

XXXXXXXXXXXXXXX, DO NOT SEND ANY

XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE

XXXXXXXXXXXX TO THIS ADDRESS

My date of birth is 12/04/1971, if there is any other specific information which you require in order to satisfy yourself as to my identity, please let me know by return.

Please can you supply me with the account numbers for both the loan and credit card and related insurance policies so I can pursue this through the correct channels and copies of any information you may have or any other information you have regarding any other accounts I have held with the TSB bank.

yOURS fAITHFULLY me

 

LETTER FROM LTSB

Loan reference number: Unknown

Dear ME

Thankyou for contacting us about your complaint. We are sorry this situation has occurred and we appreciate you taking the time to bring this to our attention.

Our understanding of your complaint is that you are concerned about the way that you were sold PPI on your LSTB Loan.

We have used information you provided with your complaint and conducted an extensive search of our systems and historical records. Having done this, we have established that you did not take out a PPI insurance with the account you quoted in your complaint.

We therefore cannot investigate the complaint you have raised any further. We hope this fully explains our position.

Accordingly we have closed the complaint.

However if you believe our records are incorrect and have further evidence to indicate that you have purchased a PPI policy that you are dissatisfied with, please provide it as soon as possible and we will be happy to investigate.

Please note, if we do not hear from you within twenty eight days from the date of this letter we will consider this our final responce and close our file without further correspondence.

In addition do not hesitate to contact us on **********

Please note that, should we be unable to resolve your concern, you have the right to refer your complaint to the FOS. Any referral to the FOS must be made within six months of our final decision. I enclose a copy of the FOS leaflet.

Customer services blarr blarr blarr

 

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

[ims21]

So your initial SAR was sent to the PPI department. While they should have sent it on to the relevant section, maybe they did not do so.

 

I always suggest SAR requests are sent be recorded delivery to the Registered Office....that way they have no excuse. When you send it again (as described in a previous post) send it to the Registered Office.

 

The last letter you have posted above seems to suggests that they have interpreted your request for information as a complaint for PPI mis-selling, which of course it wasn't.

 

I would write back to them pointing out their error and tell them that they cannot make a decision on a complaint that has not yet been lodged. Accordingly the time limit for referring to fos, should it become necessary, has not started yet.

 

Ask them to put in writing on what basis they assume that a request for information is a mis-selling complaint.

 

In respect of old data, as has been said, the banks try to hide behind this six year business but we know they do hold data going back further. When threatened with court action to force compliance, data mysteriously becomes available. The exception to this is where an account has been closed for more than six years and in these cases the data may well have been destroyed.

[big fish]

Hi

 

My only proof of PPI was on printout from bank... if you can get that it is a start. They have coughed on four of five so far. With the evidenve of PPI on their printout it is dificult for them to ignore. You have nothing to lose popping into a branch for this vital piece of evidence. The manager in my local branch did appear a little flustered when he handed mine over as it also contained dates of start / finnish and pointed to refinnanced agreements with dates.

 

BF