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What period of time (if any?) are institutions required to hold data for?

 

Have sent SAR to GE Money - statements received (although a couple are missing!) But they state that they do not hold data for prior to December 2001. Is this Ok or shouldn't it be six years?

 

Sure someone will tell me to read it somewhere but done several searches and not found anything - any ideas?

 

Also are they i n breach if not able to supply tyhe missing statements?

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TO answer you question there is no specific legal requirement for them to destroy data within any given time frame.

 

Their response is designed to put you off and stop you asserting your rights. They have done the same to me and i have complained to the ICO.

 

When i have more time, i am going to submit a claim against them in the small claims court just as i did on the co-op. incidentally after i submitted the claim the co-op provided me with data in excess of 9 years old.

 

You did not ask for statements in your SAR assuming you used the one from the library on here, they are only obliged to provide you with data, so no they are not committing a breach by not providing you with statements.

 

They are however committing a breach by not providing you with data they hold on you.

 

My claim with the co-op isn't finished i have a directions hearing shortly and it will be interesting to hear why the defendant has finalised thew claim and settled.

 

Be interesting to hear what the court will say too.

 

Glenn

 

PS if you do decide to sue, feel free to check out Glenn Vs co-op for the particulars of claim i used.


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Thanks Glenn

 

Will check that post out and see what I can get from it - very keen to pursue GE as their attitude is despicable. (Seems to be worse than LTSB and that is saying somethinG!)

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I did use the template letter from here and it does say

 

"Alternatively, a complete set of statements for that period will be acceptable.

"

 

Does this mean that they can get away with supplying just that and does complete have to mean complete?

 

Any ideas?

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you have to read the whole sentence, so its transactional details or statements, if they provide a complete set of either or a mixture then they have complied.

 

However, for you to be able to get the data they have t hasve it and hold it on a relevant filingh system.

 

The relveant filing system is not so much of an issue now because of recent goings on with barclaycard and abbey, however, if they dont have your data then of course they cannot provide it and the act doesnt stop them destroying it.

 

I have however, had a disucssion with a contact at the ico whos view was that it woul dbe normal for them to hold all your account details from the start of your account when the account was active and when closed to hold all that data for a further period of at least six years.

 

This of course is an opinion, one which i doubt the ICO would put in writing, but i did some research and there is very little information which can easily be substantiated about how long data must be held as a minimum or a maximum as far as i can tell.

 

HTH

 

glenn


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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