CapQuest

[Never-In-Doubt]

Re: CapQuest

So far no reply to my SAR that was sent on June 7th but I have had a reply ....

"Dear "Mick"
Account Number *****
Balance £-870.57
Our Client Capital One Bank (Europe) Plc

We thank you for your recent correspondence.
Please be advised that we have received your request for further information on this account. In order to process your request further, we require you to confirm that you have previously resided at the below address:

Address

We look forward to hearing from you. "

Now, the address is clearly linked to me on a credit report so they could easily find that out and the address is from almost 9 years ago when I was in the army. I left the army in October 2002 so I will not have dealt with this debt since then.

Also, I sent off a SAR, not a request for information on a specific account.

How do I proceed with this one please?

Thanks in advance of the wonderful advice I am about to get from you guys

Mick

Send this (edit to suit) Creditor Refusal of SAR

[Mickb1969]

Re: CapQuest

So far no reply to my SAR that was sent on June 7th but I have had a reply ....

"Dear "Mick"
Account Number *****
Balance £-870.57
Our Client Capital One Bank (Europe) Plc

We thank you for your recent correspondence.
Please be advised that we have received your request for further information on this account. In order to process your request further, we require you to confirm that you have previously resided at the below address:

Address

We look forward to hearing from you. "

Now, the address is clearly linked to me on a credit report so they could easily find that out and the address is from almost 9 years ago when I was in the army. I left the army in October 2002 so I will not have dealt with this debt since then.

Also, I sent off a SAR, not a request for information on a specific account.

How do I proceed with this one please?

Thanks in advance of the wonderful advice I am about to get from you guys

Mick

[caspar]

Re: CapQuest

Yep, 42 days, unless sent guaranteed next day delivery. As said above, it's not worth quibbling over a few days unless you have a really good reason (-eg- after an 8 year battle I got on the back of the DWP on Day 42 having sent guaranteed next day delivery, but I was feeling particularly nasty about that!)

The extra week suggested is more than reasonable, so as Niddy says, if they haven't done anything by then report them.

[Mickb1969]

Re: CapQuest

Lovely, thanks

[Never-In-Doubt]

Re: CapQuest

ALL sar's are late. It's 40 calendar days plus a couple for postage. But we always give them time to properly default your request first so after 7 weeks from day of postage, you can then send a reminder with threat of ico complaint.

[MrsD]

Re: CapQuest

I think you have to take postal time into account.

[Mickb1969]

Re: CapQuest

Quick question on the 40 day thing (SAR), is it 40 days from when I posted it?

Ta

[Never-In-Doubt]

Re: CapQuest

SAR Sent, with the £10 fee. I have paid them £3506 since 2005 but I can't recall why.
I know, I was in an accident. That's my story and I am sticking to it

Nice one, let us know what they come back with

[Mickb1969]

Re: CapQuest

SAR Sent, with the £10 fee. I have paid them £3506 since 2005 but I can't recall why.
I know, I was in an accident. That's my story and I am sticking to it

[Never-In-Doubt]

Re: CapQuest

Change account number to show reference number - ie the standing order ref, and send copy of statement and last 10 years addresses and your date of birth....

That way they have no excuses to respond properly!

[Mickb1969]

Re: CapQuest

Message received and understood......it's my day off tomorrow so I will be off to the Post Office

Just one thing.....it says Account Number on the SAR but I don't have one. I want to know why I was paying them, how much I owed and how much I overpaid.

Would that affect the SAR information?

Mick

[Never-In-Doubt]

Re: CapQuest

I only sent the £1 thing to them, should I do the £10 one?
They really are getting on my nerves now. I dropped the SO to £1 a month just in case I still owed them something so I have proof I have been paying.

Mate a SAR costs £10, a CCA costs £1....

You need to do this (read the notes below the link)....

SAR Request - Advanced Version
Advanced Version of a Subject Access Request - remember to enclose £10 with your request.

[Never-In-Doubt]

Re: CapQuest

Do you ever sleep?

No mate - not really!

[Mickb1969]

Re: CapQuest

Just resend the SAR mate. No mention of payments. Take a print of bank statement showing transfer as well - send that!

Best of luck

I only sent the £1 thing to them, should I do the £10 one?
They really are getting on my nerves now. I dropped the SO to £1 a month just in case I still owed them something so I have proof I have been paying.

[Mickb1969]

Re: CapQuest

Just resend the SAR mate. No mention of payments. Take a print of bank statement showing transfer as well - send that!

Best of luck

Do you ever sleep?