AJ's UE Diary

[Ostrich]

Spoke to Gerry today who was very helpful, as always.

Apologies if this is a daft question, but when requesting a SAR, should I be asking for response by post rather than email, or does it not matter?

Also, they ask why I am requesting the information... is there a more proper/polite way of saying "because I want it"?

Thanks

[The Tech Clerk]

Just request DSAR no need to tell them anything, should come back in paper form, do not accept email downloads.

[Still Waving]

Spoke to Gerry today who was very helpful, as always.

Apologies if this is a daft question, but when requesting a SAR, should I be asking for response by post rather than email, or does it not matter?

Also, they ask why I am requesting the information... is there a more proper/polite way of saying "because I want it"?

Thanks

If you send a formal request via Royal Mail (with a record of posting), they can't be asking you daft questions, they are duty bound to provide your entire record with them.

You really shouldn't be speaking to them, and ideally corresponding via snail mail rather than email.

[Ostrich]

Thanks for the replies. I had already requested via email, but have now sent a request via snail mail, as suggested.

However, I’m now getting calls from them (presumably regarding the email request). I don’t really want to talk to them. As I have now sent a posted request that shouldn’t need any follow up, I suppose I am safe to continue to avoid dialogue with them about this matter?

[Still Waving]

That's right. A SAR is not a matter for question or debate. They know what their obligations are. IF in due course, what they send is less than everything you would expect, they can be reminded of their duty to comply. Remember too, that they have a time limit in which to comply with the SAR.

EDIT: Did you use the AAD SAR template? As I recall, it spells out and reiterates the types of documentation which is expected.

[Ostrich]

Thanks for your response. Yes, the request outlines everything that is in the AAD template.

I will continue to screen calls and will update my diary as and when I get a response.

[Ostrich]

Type of account – Lloyds Credit Card
Date commenced - 2017
Approx balance - £4,000
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - L1nk.
May '21 Default notice
Aug '21 - LC Asset2 letter advising Llodys have assigned my account to them
Jan '21 - Letter from L1nk - Statement of account
Feb '22 - L1nk - Please get in touch letter. Ignored
Mar ‘22 - Letter from Link telling me to arrange payment plan or they WILL pass to solicitors, who MAY issue proceedings. Filed
April ‘22 - Letter of Claim received.

Like buses… letter of claim received.

[The Tech Clerk]

Colin G Quinn speak to

[Colin G Quinn]

Hi,

Who are the Solicitors? Kearns by any chance?

Link will not be the 'account owner'. That is likely a defect on your credit report which requires immediate rectification.

The fact this alleged debt has been allegedly assigned so near to inception is indicative of unenforceability.

???????Happy for you to email me a copy of the letter of claim and one of us will give you a call.

[Ostrich]

Thanks for the replies. I had already requested via email, but have now sent a request via snail mail, as suggested.

However, I’m now getting calls from them (presumably regarding the email request). I don’t really want to talk to them. As I have now sent a posted request that shouldn’t need any follow up, I suppose I am safe to continue to avoid dialogue with them about this matter?

Had a letter from NWest today confirming they’ve received my SAR request, which happens to be almost exactly 30 days since they sent a Letter of Claim.

This letter says that sending by post will take longer and they would prefer to send via secure email, but I should get requested information within 1 calendar month.

so… questions:

1 - Would it be a benefit from a practical point of view (ie sending info to JCS when required) to have a emailed version?

2 - Are they able/likely to send a court claim while this information is outstanding? (Wishful thinking on my part, I think!)

3 - I guess I just file this and wait unless advised otherwise to my query in q1?

[The Tech Clerk]

start a claim anytime then produce or not later, read aroiund site and get to now what happened. send by post (hard Copy)

[Ostrich]

Type of account – Lloyds Credit Card
Date commenced - 2017
Approx balance - £4,000
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - L1nk.
May '21 Default notice
Aug '21 - LC Asset2 letter advising Llodys have assigned my account to them
Jan '21 - Letter from L1nk - Statement of account
Feb '22 - L1nk - Please get in touch letter. Ignored
Mar ‘22 - Letter from Link telling me to arrange payment plan or they WILL pass to solicitors, who MAY issue proceedings. Filed
April ‘22 - Letter of Claim received.
May '22 - Missed calls from L1nk and Solicitors... expecting post soon...
May ‘22 - CC Claim form received ?

As expected, Claim form received. Will try and contact Colin/Gerry @ JCS tomorrow.

Fingers crossed there’s an issue with it somewhere!

[The Tech Clerk]

Colin G Quinn

[Colin G Quinn]

Hi,

I'm away from the office this week, but if you want to email me a copy of the claim form this evening I'll forward it on and make sure someone gets in touch with you tomorrow.

As to keeping fingers crossed that there are issues somewhere, I'm sure there will be. Not least the fact that, contrary to your post, it is highly unlikely Link are not the owner and that the actual 'owner' is not authorised.

I'll let you know when I've received the claim form.

[Ostrich]

Thanks Colin for the immediate peace of mind! I’ll send it to you shortly.