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Reply to partly complied SAR


new-me2010
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This morning had letter, can't scan so will precis.

 

1 No copy of CC agreement due to age. Should I contact Hillys and argue, not sent thm a CCA yet?

 

2a. Letters sent and received. Copies of standard letters they can send. Credit Operations Department doesn't keep letters in or out.

2b Branch network no longer retains any filing, this includes letters from customer. If there are certain letters let them know to which department and date.

 

3. redacted information is internal action and colleagues names which is mnot personal information.

 

4 Says my SAR letter from library doesn't mention manual intervention but we do not hold any personal data relating to manual intervention as such: however when decisions are made to return for lack of funds staff time and effort is required.

 

5 Telephone conversations. Can only provide them if I provide dates.

 

Thoughts please?

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about time you tried to keep threads related to the same 'debt'

together

 

you have sooooo many threads running.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did they provide you with a Communication log/Diary of events ? This should be a record of all actions taken on your account - it should show when telephone calls were made/received as with letters.

 

 

They are permitted to redact names of staff.

 

 

It is common practice to ask for dates of telephone calls required or even the department which you spoke to/or who called you.

 

 

If you complain to the ICO regarding the lack of agreement, they will advise that you need to make a CCA request.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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