Coast / Welcome Nightmare

[bob-k]

Ill check the letter from them and see, They provided an email address, but I was sticking to the always communicate in writing rule.

[dx100uk]

ok well email stating their 30days have expired and where is my sar data, having complied with additional details they requested.

remind them that a failure to supply information under an SAR request is a matter that can be escalated to the ICO and to court to enforce disclosure.

 

dx

 

[bob-k]

thanks for that.  No contact number was provided on the correspondance,  I have emailed as outlines.

 

As always, thank you for the advice.  

[bob-k]

Emails has been recieved after providing the information as requested.  response below

 

Quote

Thank you for your swift reply.

 

If you can please share the tracking number and the name of the individual who received and signed the letter, we will make enquiries with our Post Room.

 

In our initial letter to you we requested that you provide us with further information such as: your interaction with KPMG and scope of your request. As a large multi-disciplinary advisory firm with thousands of clients, we have a complex data retention system and extracting that information without proper scope can lead to inaccuracies and data not identified in accordance with SAR. In the absence of further information from you, we will carry out a reasonable and proportionate search of our systems as set out in guidance by the Information Commissioners Office and required by UK GDPR and Data Protection Act 2018.

 

We will provide you with a formal response to your request on or before the deadline of 20 June 2022.

Im not sure what extra information they could want, but hopefully they return what is required.  18 days to go.

[bob-k]

I have had a reply from KPMG  

Quote

We have carried out a search of KPMG systems using the information provided including a search of the legacy data, and determined that no relevant personal data relating to you has been retained by KPMG. We believe that Interpath Advisory will hold relevant personal data relating to you in their capacity as a Data Controller. You can reach out to them and request your data with the following email: [email protected].

 

You have the right to make a complaint regarding our response at any time to the ICO, the UK supervisory authority for data protection issues, at https://ico.org.uk/global/contact-us/.

 

If you have any queries or concerns about your SAR, please email us on: [email protected]

 

So,  Is it just a simple case of emailing interpath on the chain of emails with KPMG and asking them to provide the same?  Or do I need to send a similar letter to the one sent to KPMG to get the ball rolling?

Im not sure why it becomes my issue or hassle that KPMG divested, however they seem to be implying that it is.

 

Thanks!

[dx100uk]

sar to them then.

 

dx

[bob-k]

Thanks for this.  Ill drop them an email to find out the process, and where to send, then change the detail on the original letter to KPMG and send

[dx100uk]

Just attach them our SAR to an email.

Give the 2 welcome a/c numbers.

 

No confusing letters/text needed 

 

Keep it simple stupid (KISS).

 

Dx

[bob-k]

So I have emailed twice with no response now.  Ive also emailed back to KPMG to ask them to provide alternative contact information.

 

I havent even had an acknowledgement of my email being received

[dx100uk]

time to send it by royal mail then.

 

 

[bob-k]

Yeah. Thinking the same. No choice now

 

Can I just send it to one of the office addresses? KPMG did not provide a postal address, and also haven’t responded to my email

[dx100uk]

Look up kpmg on fca register or ico data register.

company house will do.

 

Dx

[bob-k]

That’s who I sent it to originally. They came back to me and said I needed to contact interpath

[dx100uk]

On 09/02/2020 at 16:47, Andyorch said:

Ed Boyle and Ben Leith of KPMG LLP and Sarah Rayment of BDO LLP were appointed as Joint Liquidators of Welcome Finance - in Liquidation - on 16 December 2019.

 

http://www.wfs.co.uk/

 

[bob-k]

Sorry, I’m not sure what to do with this information. 
 

I sent the SAR to KPMG and eventually got this response

 

Quote

 

We have carried out a search of KPMG systems using the information provided including a search of the legacy data, and determined that no relevant personal data relating to you has been retained by KPMG. We believe that Interpath Advisory will hold relevant personal data relating to you in their capacity as a Data Controller. You can reach out to them and request your data with the following email: [email protected].

 

You have the right to make a complaint regarding our response at any time to the ICO, the UK supervisory authority for data protection issues, at https://ico.org.uk/global/contact-us/.

 

If you have any queries or concerns about your SAR, please email us on: [email protected]

I did as instructed, and haven’t had a response. 

[dx100uk]

But you sent interpathadvisory an email , that hasn't worked.

 

You can enforce an SAR 30 day failure through the ICO and through court but only if you sent it by royalmail , get free proof of posting from any po counter 

 

Dx

[bob-k]

Yes. Thanks for this. So my question is can I just send the SAR to any of the office locations listed on interpaths website or does it need to be sent to a specific department to be valid?

[dx100uk]

i would try and narrow it down to the data controller

though the UK head office is ok.

[bob-k]

Grand. Thanks. 

 

So. As if by magic, a reply from interpath basically stating they don’t have my files anymore. So that’s both KPMG and Interpath saying they don’t hold my data

 

Quote

Welcome Financial Services Limited – now dissolved (the ‘Company’ or ‘Welcome Finance’)

Registered Number – 00133540

Former Joint Liquidators – Ed Boyle, David Pike and Sarah Rayment

 

We write further to the DSAR submitted with your below email.

 

We note that this DSAR is in relation to Welcome Finance- Ed Boyle and David Pike (both of Interpath Limited and formerly of KPMG LLP) and Sarah Rayment (of BDO LLP) previously acted as Joint Liquidators of Welcome Finance.

 

The former Joint Liquidators were appointed on 16 December 2019.  The former Joint Liquidators had a statutory obligation to retain certain records, and they have done so, however, as you will appreciate the Company held large volumes of customer records and it was not cost effective to retain these records for an indefinite period.

 

Therefore, following extensive consultation and a thorough review of the Company and customer records; following the first and final dividend payment to the unsecured creditors in the liquidation, the Company no longer had any legal justification for retaining customer records and accordingly this data was securely destroyed.

 

The only exception to the above was personal data relating to a claim, complaint or prior subject access request submitted during the liquidation (prior to the dividend payment), which was retained to substantiate the actions of the former Joint Liquidators of the Company during their time in office.

 

We can confirm that we hold no personal data in relation to you.

 

Further information on individuals rights and how liquidators use personal data is included in our privacy notice, which can be found at https://www.interpathadvisory.com/privacy-insolvency.

 

If you wish to make a complaint about the way we process personal data, you have the right to complain to our supervisory authority. In the UK, that is the Information Commissioner's Office (ICO). More details on how to complain are available on the ICO's website at: https://ico.org.uk/concerns/

 

Yours sincerely

 

Does this mean I’m screwed?

[bob-k]

So. Anyone any ideas how to move forward with this?

[dx100uk]

is there a need?

 

you've moved so the loan is no longer secured

its not on your credit file, defaulted more than 6yrs ago...

 

so... what harm is this doing you?

are you still paying it?
 

[bob-k]

I’ve moved. But still own the property it’s secured against. Still paying £55 a month. Still being hassled by coast. Can’t sell the original property due to negative equity….

[dx100uk]

remember the story now

you never did post up the SAR you got

neither did you reveal the wording of the charge that shows on your deeds.

 

 

and i suppose it needs to be asked is how does the other party feel about this 2nd charge you got, when you indicate you were not allowed to do that.

 

have you got a copy of the agreement too?

 

[bob-k]

I got the SAR from Coast. It was posted. 
 

 you are correct in the charge. Wasn’t able to get that. Will start on that today

 

The other party is a government department a help to buy type scheme. They aren’t aware. 

[dx100uk]

No the SAR never worked go check it 

 

Agreement and deeds too 

 

Dx