Full S.A.R to CRA

[ckplay]

Hi

I want to send a full S.A.R to all three CRA's has any one done this i have attempted to send SAR to call credit but was only sent short version.

How do I word the letter so they don't just send credit report.

Thanks
Daz

[Never-In-Doubt]

Re: Full S.A.R to CRA

Hi

I want to send a full S.A.R to all three CRA's has any one done this i have attempted to send SAR to call credit but was only sent short version.

How do I word the letter so they don't just send credit report.

Thanks
Daz

Ahh, you only requested a credit record. Did you send £2 or £10? if £10 then they have messed up, if £2 then they did correct.

Please clarify. If you sent £2 then you need to redo it using this

---> Our Templates | Unenforceability Templates | Subject Access (SAR) - Advanced Request

with the correct fee of £10

If you did send £10 and they only sent the credit record, send the below template but add this at the start..

"I recently sent £10 for a full s.7 Data Protection Act Subject request to which you responded only by sending my statutory credit report which is included within any SAR I make. Please remedy this error and send all details you hold about me, including my most up to date credit record. The fee has previously been paid for this request."

Obviously edit the template and remove reference to the tenner being enclosed as it won't be if you already paid.

Make sense?

[ckplay]

Re: Full S.A.R to CRA

Thanks for the quick reply i sent £10 but got my credit report.

I hear expirean are the worse cra i have had truble geting my report off them but i am sceard of how hard it will be to deal with them if there worse than call credit.

How the hell call credit are allowed to be a cra is mind boggling i would not trust them with a paper round. Am not saying this because i can not get them todo what i want.

No matter what the question you get one of 2 template replys from them i have tested this i asked them for there address via there internal messaging system and was sent a reply for disputing an account on my report. I have even asked them why my card was charged when i signed up as it was a trial i was sent the disputed account reply.

The only time i got a different reply was when i suggested the head of CS should consider a career change and informed him McDonald is hiring.

Thanks for the link i will have a fiddle with it so its relevant to cra.

[ckplay]

Re: Full S.A.R to CRA

one more question ( for now lol )

I want to get all the info they give to company's searching my report most of which is linked address and linked account data which is not mine and am worried that this info will be missing as they will say its not your data which it isent but they still supply it to company's when i make an app or something.

Or am i worrying for nothing and they will just send me every thin they have on me or consider linked to me

[Never-In-Doubt]

Re: Full S.A.R to CRA

Ahh they'll not provide that as they are appointed by the firm, or the lender in this case so in essence the data shared does not belong to them it belongs to the data owner.

So look at it like this, if you want to get the data that is shared you go to the bank. The CRA only share data supplied to them hence they use the get out clause "we don't own the data and if we remove something, the lender will just re-add it at a later date in their monthly feed"...

Point is, you might be going about this the wrong way but regardless, they have not compled with s.7 DPA1998 as a CRA is a limited subject access worth £2.

[ckplay]

Re: Full S.A.R to CRA

So what sort of data will a cra send with a full SAR request am confused now.

[Never-In-Doubt]

Re: Full S.A.R to CRA

So what sort of data will a cra send with a full SAR request am confused now.

anything between you and them, so any letters you may have sent or any cra requests plus a copy of that report and anything they have done with your data. The fact is, the computerised sharing process (CAIS/SHARE etc) is an automated process within their systems that allow sharing of data.

You will never get access to that, only from the bank side if for any reason they had a hard copy, which is unlikely.

I don't see what it is you want, exactly. The CRA's only report what is told to them. They cannot make decisions and cannot add random data. If an address link is there it will state the lender that created the link, so you approach the lender. Not the CRA as they cannot create links.

Make sense?

[ckplay]

Re: Full S.A.R to CRA

I was under the impression that linked address was done by the CRA as in the link was created and managed by them and not the providers am sure i have read this on forums but i have defiantly been told something along them lines y santander

as i said i have been told this by santander my mind went DHOOOO s i have all so been told by santander that banking regulations are optional for them as there not a British bank.

[ckplay]

Re: Full S.A.R to CRA

Am starting to think if your lazy incomportant and don't give a dam about the law or ppl and have no morels and get enjoyment from the misery of others that opening a bank or cra is the perfect business model.

who wants to chip in and buy a banking license from new zeland i think there about 50k

[Never-In-Doubt]

Re: Full S.A.R to CRA

No, linked addresses are performed via share data at the bank side as they create the link when they search you so lets assume you live at address A for X years then move to address B. The moment you notify your bank they will change to the new address, agreed? That's that - they will then, at the next share upload feed notify the CRA of your new address which will auto create a link to the old address.

So, now lets assume that somewhere along the lines you stayed at a mates for a week, but notified your bank of this, that could then create a link to your original address, the new one and the mates one - all caused by the originating bank that you notified of the address change.

Normally links are created when you apply for new credit, especially within 3 years as they like 3yrs of address history. If a link is incorrect the CRA can request removal, but if it is genuine they will refer you back to the lender that added it. If it is genuine that would mean you MUST have applied to that lender for something whilst either at that address or as part of any application process.

Make sense, yet?

[Never-In-Doubt]

Re: Full S.A.R to CRA

Am starting to think if your lazy incomportant and don't give a dam about the law or ppl and have no morels and get enjoyment from the misery of others that opening a bank or cra is the perfect business model.

who wants to chip in and buy a banking license from new zeland i think there about 50k

to be a CRA there is no licence other than a DPA one and possibly a CCL so less than a grand

Anyone, as call credit did, can do it but remember the banks want a pro-bank CRA, not a pro-debtor one. They took years to fully trust Call Credit and some banks still won't use them now.

[ckplay]

Re: Full S.A.R to CRA

umm every thing comes back to santander then the reason am going at the cra is because i disputed stuff on equifax there online system it went wrong so i emailed the nice lady at equifax i got her email from here same day she replied and said ye i can see the incorrect linked address removed it and my file was clean.


From my limited and some what misinformed understanding i think it all went wrong when santander took over posting to cra for A&L.

its around then ( from what i can see from current reports as was not checking my reports back then ) that all this address history happened i have like 30+ most of which i have never lived at and the once that i have lived at are incorrect

for example they have my address down as the entire apartment block not my apartment. which may be why my report is so bad i have this horrible feeling that when i apply for something am linked to all the bad credit at about 10 different apartment blocks lol.

So my time would be better spent hammering santander the problem with that is my time is better spent talking to the monkey at the zoo than trying to get santander to do any thing

Thanks for your help in this as you dont understand how far i m down the wrong road on this one lol

[vint1954]

Re: Full S.A.R to CRA

I was under the impression that linked address was done by the CRA as in the link was created and managed by them and not the providers am sure i have read this on forums but i have defiantly been told something along them lines y santander

as i said i have been told this by santander my mind went DHOOOO s i have all so been told by santander that banking regulations are optional for them as there not a British bank.

Santander operate in this country so banking regulations most definitely apply to them.

[Never-In-Doubt]

Re: Full S.A.R to CRA

Well if you have proof like you suggest then you complain about the originating bank, Santander, to the ICO and also send a formal complaint to the bank and then once they fail to resolve it you go to the FOS.

First things first, write a detailed letter and send it here: ceo@santander.co.uk

Threaten her with ICO and FOS in your complaint and title it, Formal Complaint and Letter before Action.

Keep us updated.

[helmsman]

Re: Full S.A.R to CRA

Hi,
Does anyone have an email address for equifax who are nothing more than thieving wankers steal your £2 then make you wait 20 mins on the phone @5p a min then dont answer theiving bastards.