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CREATION - Can't locate acount details :-S Who's responsibility?

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Hi all,

 

I'm after some advice after hitting a dead end with my S.A.R. to creation finance. I had a JJB storecard which i remember to have been subjected to a number of charges. I opened this account back in 2002 and the account was closed following non payments late 2002. I no longer have any details regarding my account.

 

I have sent a SAR to creation who have replied with the following:

Dear

Further to your recent letter regarding a subject access request.

Unfortunatley i am currently unable to trace a JJB Duet account in your name at the address quoted in your letter. In order for me to fulfill your request, i will require some additional details, can you please therefore provide me with your full account number, and any other addresses which may have been supplied at the time of opening. I enclose a prepaid envelope for your response.

Yours Sincerely

Judith Mucklow

Legal Department

How should i proceed now? I know the account existed as it is recorded against my credit record. The details i have supplied are those that i would of opened the account with. If i cannot produce the information, can Creation pass responsibility?

 

TIA

MikeA


__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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Dont lose faith:) .

Duet (Creation Financial Services) are responsible for the information they hold on you for a minimum 6 years. This is a delaying tactic and can be overcome. Just do a search regarding missing statements or closed accounts and you'll find something. Legally, Duet are obliged to provide you with this information.

 

If you paid any of your statements through standing order or net banking, then you bank account may have the Duet account number it was paid into. It may be worth asking.

 

Hope this helps.

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Hi Maan,

I am in the process of dealing with my boyfriends charges for a JJB card with Creation and I sent a SAR. Luckily I had the account number but they don't seem to be too good with their info as they only sent me statements from April 01 to date and some were manual typed ones and others were copy statements. My other half rang them asking where Jan to March 01 was and was told they couldnt locate Feb 01. Although really they should have sent statements for the whole period he had the card (which was well before Jan 01) but Im not trying to claim more than 6 years so I wont raise that. His statements had previous addresses on which he hadnt lived at in a long time so are you sure you didnt set it up at a different address? if you are then I think they may be trying to cover up the fact that they havent got your statements. Good luck with it but be prepared for them to omit some statements when you do finally get them.


Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi there!

 

Can I just ask what address you used for Creation Finance? I sent off my SAR with a postal order, just want to make sure we're all using same address.

I sent it to Equipoint, Coventry Rd, B28 8FE

anyone else use same address?

 

Good luck with your SAR, hope you find your account details.

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Hi Kerry

Thats the address I've used, and we got full settlement yesterday but only after I had filled out the N1, and would have filled it in the court yesterday morning, but had forgetten to get my wife to sign to form.:p


Creation Financial Services--S.A.R - (Subject Access Request) sent 18 Oct

Statements received 28 Oct

PAR sent 30 Oct for £910 Credited £282 as Good will Offer

LBA sent 28 Dec for £730

N1 filled out, but they phoned and settelled in full 19 Jan:D

GE Capital--S.A.R - (Subject Access Request) sent 18 Oct

Capital One---S.A.R - (Subject Access Request) sent 18 Oct

Great Universal(Littlewoods Shop Direct--S.A.R - (Subject Access Request) sent 18 Oct

PAR sent 19 Jan

 

Nat West--S.A.R - (Subject Access Request) sent 26 Oct

Received 27 Oct

Acknowledgement received 28 Oct

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Hi Kerry,

Yes thats the address I used too. I have had a letter now after sending my prelim saying they are investigating....if I receive no reply after the 14 days of my prelim I will still send LBA.

Good Luck :)


Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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All,

 

I used that address too. Recieved copies of statements combined with a couple of computer printouts for other months, within a week.

 

Sadly my claim only came to £17 before interest, so i'm not sure that i'll bother!

 

Regards

 

MikeA


__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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mangove does your credit report/file state the account number. Equifax and experian usually do.

If not then that also leaves the CRA open to breach of dat protection as they are displaying incorrect information and nobody can prove otherwise. get you default/history removed!

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