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Vanquis asking for additional £1 for cca on top of £10 sar fee already paid

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Hi,

 

Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc)

 

I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement)

 

Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca.

 

My understanding was the £10 sar fee covers ALL docs & data.

 

Thanks

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Hi

You would have though so but, no. The agreement is covered by the CCA 1974 and they are within their rights to ask you for the extra quid to supply it. Stupid, I know. Reasonable companies would include all data but obviously not this bunch. If we got to make the rules, things would be different but lawyers make the laws and the law of unintended consequences happens all the time.


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CCA aside, should i have expected full compliance otherwise (Correspondance, terms & conditions, copies of all e-mails, default notices, deed of assignment etc)

 

As it's now over 4 months

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They should comply within 40 days. If you feel they have not supplied all the data they hold, write back and demand they do otherwise 'further action' will be taken.


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Perhaps you should have started with the CCA;

the £1 is a statutory fee and they are perfectly within their rights to demand it.

 

 

They have 14 days to respond (12+2 is the strange way it is described).

If they can't supply the original agreement, the loan is unenforceable.

 

That doesn't mean you don't owe the money but it is much harder for the DCA to collect it.

Most people tend to stop payments once the DCA fails to respond with the original agreement within the 12+2 days.

 

The main purpose of the SAR is to gather everything the loan company has on you

which clearly does not include anything they don't have

- like the original agreement, hence my suggestion the CCA comes first.

 

I hope that helps

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not following Freemen of the land stuff are you?

you wont get to see the deed


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not following Freemen of the land stuff are you?

you wont get to see the deed

 

????????????????????????????????

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It is 12 days ffs, the +2 is to allow for postage by standard mail


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1st class mail


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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not following Freemen of the land stuff are you?

you wont get to see the deed

 

 

 

????????????????????????????????

not your thread

why would I be directing that at you


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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not your thread

why would I be directing that at you

 

Dx100uk, Because it followed directly after my post and it just reads like you are replying to me. Very confusing without quoiting the post you were referring to. I'm glad it wasn't aimed at me as I was just about to vent my spleen!

Seeking FFS

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posts were the same time no way of knowing you were typing whilst I was


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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