Please Post How Far Back You Have Managed To Obtain Statements

[Glenn UK]

For clairifcation the SAR from the template library asks the bank for all your charges and transactional details for the whiole account history but this would not automatically mean every bit of information they hold on you.

 

The DPA allows for subjects to ask for specific information rather than requesting everyhting.

 

If you want everything not just details of transactions and charges then you should considere revising the SAR from the template library to gfit your needs.

 

HTH

 

Glenn

[Glenn UK]

two members have sent me letters from barclays stating they hold 12 years worth of data.

 

HTH

 

Glenn

[Glenn UK]

Nearly forgot HSBC showed me a copy of my original agreement on their computer screen recently, the account was closed around ten years ago!

 

I haven't had a response to my SAR as of yet so we'll see what they say.

 

Glenn

[Glenn UK]

As usual very carefully worded

 

However, as advised in your earlier e-message, I confirm that, as per the Data Protection Act's terms and conditions, we are not allowed to keep customers information on our records for more than six years. Please note that this ruling applies for all banks within UK. A falsehood, the DPA doesn't specify any time periods in this respect.

 

As such, please be advised that it is not our intention to destroy any of your records which are more than six years old. To comply with the DPA the retention of data musty be necessary and this would have to be allied to some policy for retention. The DPA doesn't preclude then destroying data after a few days or weeks if its not required, on the other hand it would be reasonable for them to hold data post account closure for the while account history for at least six years without question since this would or could be argued to allow them to protect themselves from claims arising out of the contracts and limited by Sec5 of the limitations Act. However, under the Data Protection Act ruling, we are obliged to action this. They are but the DPA doesn't specify any time frames, the Act expects the data controller to justify the retention periods for data.

 

Therefore, as advised in your earlier e-message, I regret to inform that we are unable to provide any statement copies which exceeds six years ago. The clincher, if you have used the template from the library you have not asked for statements, only data.

 

As usual a lot of half truths and untruths coupled with a denial of something you havent asked for.

 

Glenn

[Glenn UK]

Had an interesting conversation with Lloyds TSB yesterday.

 

It appears that there was a changeover of their filing systems in 1993.

Prior to that, statements were held in some sort of hanging file system.

The system at this point was then changed over to a computerised system, and anything prior to 1993 was not necessarily retained (although it was not made clear if it was outright destroyed or put onto microfiche first).

Anyway, The copy statement unit should be sending me copies of all statements actually back to 1993 very soon (by mid next week).

I shall post on this thread when I recieve these.

 

Other interesting point that came from the conversation.

I have already received some screen printouts of records of letters sent to me, and each entry has a code next to it. I asked about these.

It appears that the codes refer to the various template formats of the letters, and I was told that these refer to the various types of standard computer generated letters. It was admitted that the letters are standard templated letters, and also that they are sent out by a computer.

The codes are virtually identical in each case.

 

Jez

 

I dont suppose you record your calls by any chance do you?

 

Glenn

[Glenn UK]

 

I feel in this case it would justify estimated claims being put in, since Abbey did this at a time when they were aware of their liability to give refunds to customers. Would anyone else agree?

 

Sadly not. The Data Controller can determine the company policy for data retention and change it as they see fit. NOtwithstanidng other reasons for them to hold data, the DPa doesnt provide any guidance as to how long they have to hold data and places the choice in the hands of the data controller.

 

 

However, if you were to ask for data and it was destoryed outside of the company policy then its possible that would be breach and could give the subject a right to sue not sure which part of the DPA this would be though off the top of my head.

 

An estimated claim would in these cirscumstances be a reasonable respose, however, i would sue under the DPA sec 7 for failure to comy and use the estimate as a claim for damages under Sec 13 i think it is.

 

This is efectivley what i will be doing to GE moeny they lost some data and therefore i will estimate a claim and sue them under the DPA.

 

HTH

 

PS sorry if im peeing on the camp fire, make sure you dont stand in the smoke.

 

Glenn