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Co-op Current account/Personal Loan merged upon default.

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Tim... who is the complaints advisor here who is dealing with it?

Id give them a little chance here, I actually think Lowell's CR is reasonable for what Lowell are.

 

But also i agree that it should be kept in writing :), But like i said they did wonders for me :)

"Robert Sharman".

I've had a belly full of them lol.

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Im not surprised on this one :) , While i despise the gits, they are still pretty reasonable (Customer Relations that is) in my view compared to most companies...

Think you should respond with in writing only etc... Then itll stick there

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Im not surprised on this one :) , While i despise the gits, they are still pretty reasonable (Customer Relations that is) in my view compared to most companies...

Think you should respond with in writing only etc... Then itll stick there

I'm not daft enough to discuss anything like this over the phone.

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Ok, quick upon and a little advice needed.

 

I received a letter from Lowells dated 8/4 saying they were in receipt of my CCa request and may take a little longer to process due to them having to getting in contact with the original creditor etc. They also said they are requesting a copy of the CCA along with statements.

I filed the above under ignore for now.

 

Ok, regarding the SAR, it was delivered to them on the 16/4. Its almost 40 days, and still no sign of it. I do have a mail redirection in place as i have moved. What happens once the 40 days has elapsed?

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Ok, regarding the SAR, it was delivered to them on the 16/4. Its almost 40 days, and still no sign of it. I do have a mail redirection in place as i have moved. What happens once the 40 days has elapsed?

 

There is a failed SAR letter in the CAG library which you can use.

 

You are also at liberty to file a complaint with the ICO.

 

If you wish you can sue to force compliance.


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A CCA has 12+2 days. They have responded within the timeframe and said it may take longer. Is this allowed? I would assume that they are just dragging their heels.

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If they have failed the CCA request within the permitted time then they cannot enforce through the courts until they have complied.


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I sent the failed letter for the SAR and they replied today and i'm a tad confused.

 

They said they sent the response last month, but i didn't receive it. They included a copy of the letter and it said:

 

Re: Account number: 123456789, 123456789, 1234567889

 

I am pleased to enclose our file detailing the personal data held by this bank in connection to the above numbered account.

 

This is a copy of all of your available personal information which you are entitled to receive in response to the Subject Access Request under the data protection act.

 

I trust this information will be useful to you.

 

Yours Sincerly.

 

So is this all they now hold on me, just empty husks of accounts?

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You say you didn't receive the bank's response with their file of your data?

 

Following the receipt of the above letter I would be checking where they sent it and letting them know that you have not received your data.

 

You might also like to contact the ICO as the Co-Op may be playing silly whatsits.


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You say you didn't receive the bank's response with their file of your data?

 

Following the receipt of the above letter I would be checking where they sent it and letting them know that you have not received your data.

 

You might also like to contact the ICO as the Co-Op may be playing silly whatsits.

No, what i read it as, was that was a copy of the letter i didn't receive.

 

I can post up a copy of the letter i received today?

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Ok I may have misunderstood.

 

So what did you receive from your SAR request to Co-Op?

 

What data did you get?


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Letter today:

 

Re: Account number: 123456789, 123456789, 1234567889

 

 

Thankyou for your letter requesting information for the above accounts.

 

According to our records, all your available personal information which you are entitled to receive in response to the Subject Access Request under the Data Protection Act relating to the above numbered accounts was sent to you on 01/05/14 at below address, a copy of the letter is enclosed.

 

*MY OLD ADDRESS* (I have a redirection in place)

 

Please advise which information we have not provided so in order to process your request.

 

If you have any issues or queries, please do not hesitate to contact me.

 

I trust this information will be useful to you.

 

 

 

Copy of the letter enclosed, that they sent but didn't receive.

 

THIS IS THE SAR

 

Re: Account number: 123456789, 123456789, 1234567889

 

I am pleased to enclose our file detailing the personal dataicon held by this bank in connection to the above numbered account.

 

This is a copy of all of your available personal information which you are entitled to receive in response to the Subject access requesticon under the data protection act.

 

I trust this information will be useful to you.

 

Yours Sincerly.

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Ok so my understanding was correct...you did not receive your SAR data

 

Copy of the letter enclosed, that they sent but didn't receive.

 

THIS IS THE SAR

 

Re: Account number: 123456789, 123456789, 1234567889

 

I am pleased to enclose our file detailing the personal dataicon held by this bank in connection to the above numbered account.

 

This is a copy of all of your available personal information which you are entitled to receive in response to the Subject access requesticon under the data protection act.

 

I trust this information will be useful to you.

 

Yours Sincerly.

 

So post #34 applies.


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Ok so my understanding was correct...you did not receive your SAR data

 

 

 

So post #34 applies.

When I spoke to them a few months ago, they told me the systems had been updated and some stuff wiped.

 

Do I contact the co-op again? Or straight away take it higher.

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Tell them that you have received nothing despite their claim that they have sent you stuff.

 

Give them 14 days to respond.

 

If they don't then get on to the ICO.


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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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How To Upload Documents To Cag

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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.

 

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Wait, you have mail redirected.

 

Have you informed them previously of your current address

 

They may have sent your information via courier to your *old* address. I'm not sure that would necessarily get redirected? Hopefully someone can confirm that,


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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This is a copy of the letter they originally sent out. That's it:

 

 

 

Re: Account number: 123456789, 123456789, 1234567889

 

I am pleased to enclose our file detailing the personal dataicon held by this bank in connection to the above numbered account.

 

This is a copy of all of your available personal information which you are entitled to receive in response to the Subject access requesticon under the data protection act.

 

I trust this information will be useful to you.

 

Yours Sincerly.

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Yes you have posted that before.

 

The point is that you have not received your data (or the original of that letter)


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7. Thinking of a Full & Final Settlement?

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How To Upload Documents To Cag

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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.

 

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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

 

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I have received another response from Lowell. And its almost IDENTICAL to one i received almost 3 weeks ago.

 

The jist of it says, we haven't completed our investigation yet, please allow another response no later than 8 weeks from the date of your complaint.

The letter saying they had received my complaint was dated: 25th April, which means the 8 weeks expired last Friday, and they sent the letter on the Thursday.

 

They are in default of their agreed 8 weeks for completion.

 

So what to do now. Is an S10: http://www.consumeractiongroup.co.uk/forum/showthread.php?387321-S10-Notice-To-Cease-Processing-of-Data

 

Something that could be sent. I will also be looking into reporting the the to the FOS.

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Wait, you have mail redirected.

 

Have you informed them previously of your current address

 

They may have sent your information via courier to your *old* address. I'm not sure that would necessarily get redirected? Hopefully someone can confirm that,

You were right. There was a whole reem of paperwork at my old address delivered via courier.....in May.

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I have received another response from Lowell. And its almost IDENTICAL to one i received almost 3 weeks ago.

 

The jist of it says, we haven't completed our investigation yet, please allow another response no later than 8 weeks from the date of your complaint.

The letter saying they had received my complaint was dated: 25th April, which means the 8 weeks expired last Friday, and they sent the letter on the Thursday.

 

They are in default of their agreed 8 weeks for completion.

 

So what to do now. Is an S10: http://www.consumeractiongroup.co.uk/forum/showthread.php?387321-S10-Notice-To-Cease-Processing-of-Data

 

Something that could be sent. I will also be looking into reporting the the to the FOS.

I still have received nothing. Guidance appreciated :)

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Looking for some advice here on my next move.

 

I sent Lowell the "Prove it letter" in regards to 2 debts they've been chasing me for. They took this as complaint and stopped all collection on both the accounts.

 

I was told that the accounts would be investigated and I'd have a final decision 8 weeks from the date the claim was received by them. The beginning of May!

 

I'll I've got off them is "oh we are sorry it's taking this long, we haven't yet completed the investigation, please bear with us". And I've had 3 of these.

Enough is enough.

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Hello there,

 

If Lowell have taken your 'prove it letter' to be a complaint you may wish to take your complaint to the Financial Ombudsman Service now that eight weeks have passed. You can read more on complaining here: http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

Best wishes,

 

David @ National Debtline.


For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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Looking for some advice here on my next move.

 

I sent Lowell the "Prove it letter" in regards to 2 debts they've been chasing me for. They took this as complaint and stopped all collection on both the accounts.

 

I was told that the accounts would be investigated and I'd have a final decision 8 weeks from the date the claim was received by them. The beginning of May!

 

I'll I've got off them is "oh we are sorry it's taking this long, we haven't yet completed the investigation, please bear with us". And I've had 3 of these.

Enough is enough.

 

Yes you could complain to the FOS, but all they will do is ask Lowell to follow the correct complaints handling timescales. Lowells will come back saying that they have had trouble getting information from the original creditors.

 

Personally I think I would leave it for now and see whether they come back with anything.

 

This appears to be related to your Coop thread. Coop have made it more difficult because of the loan being applied to the current account.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?422469-Co-op-Current-account-Personal-Loan-merged-upon-default.&p=4568053#post4568053

 

When approximately did you take out the personal loan ?


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