Jump to content

link chasing co-op loan debt - Co-op want sigs to comply with sar

Recommended Posts



I requested a SAR from Co-op, I had a loan from them several years ago. I gave my name, address from when I made the application and the reference number from the loan.


They have replied to me saying they are unable to verify my signature(s) after checking my records.


They have asked my to provide photographic ID in order to investigate the matter further.


Is this normal? Has anyone experienced this with Co-op? I've requested SAR from other places with no issues.


Many thanks

Share this post

Link to post
Share on other sites

have you moved since opening the account and why did you send the SAR?


moved to the co-op forum.

Share this post

Link to post
Share on other sites

It is quite reasonable for them to want to verify your identity and under the legislation they are entitled to do so.


if you have provided them with a signature which doesn't match up to the one they have on their records then it certainly seems normal that they would want to double check.


On the other hand, if they are simply attempting to verify an identity which they clearly have on their file and they are happy to write you about any other matter then one might say that they are being obstructive.


Do you have still have an account with them and are you at the same address?

Share this post

Link to post
Share on other sites

Thanks for the replies. I no longer have an account with them, I am at another address now. I haven't provided any signatures, the only signature they might have is from the CCA.


I wasn't sure if they were trying to get hold of my signature so they can stick it on a CCA and enforce it.

Share this post

Link to post
Share on other sites

well you've moved.

you should else they don't know you from adam.


banks don't copy sigs only DCA have been thought to do that.


so why did you sar

Share this post

Link to post
Share on other sites

then you should be sending link a CCA request

what you get and hold from an sar is your data and you keep it to yourself.


when did you last pay this?



thread title updated

Share this post

Link to post
Share on other sites

just type no need to hit reply with quote

thread tidied.


when did you send the CCA?


theres no harm in sending co-op sigs but I bet that wont resolve the issue

send CTAX bill copy too.



Share this post

Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 17 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...