Toots UE Diary

[Roger]

You will know that Cabot Financial (UK) Ltd are not FCA registered.
"..
8/11/21 letter received from Mortimer Clarke stating they do not have the requested documention, and have put the matter on hold until Cabot can find the credit agreement.

17/8/22 - heard nothing since.

16/12/22 - letter from Mortimer Clarke with the requested CCA enclosed, statement of account covering payments made 2005 through 2009 and nothing else after, plus a template of the default notice I would have been sent, but with no details on it including my name and address, account no. amount owed etc. Letter dated 12th Dec.
.."
Your Diary also has BOS
18/11/13 letter from Bank of Scotland advising that BOS are now managing the debt

".. 22/2/23
Hi, letter arrived from Bank of Scotland (re DSAR), which arrived in an envelope with a Lloyds Banking Group return address on the back. They can't find my loan account with the number I have given them. This is the same as the one that Cabot have. They're asking for any previous Halifax bank accounts, date of birth, and previous addresses. What next? I'm a bit stumped.
.."

Your mistake is quoting the A/c Number!!!

You want a DSAR from BOS of any DATA they hold on you! Don't refer to any account etc.. Your entry 18/11/2013 (ten years ago) contradicts their letter! Seems that records are missing!

The Template of the default Notice I would have been sent! Are you saying there was nothing in that Template? No amounts Dates, Default amounts pay by Date! No Bank Header Named just a empty Template?

[Toots]

The Banking crisis created the BOS/LLoyds Group which rather rapidly was put together.
These were independant entities contracting in their own rights.
Just remember there is more to UE than the Agreement.
This is where the SAR becomes so important! You need to find out WHO Assigned the Debt and to which Cabot Company also the other various Consumer Act legal documents! Did the Mortimer Clark letter mention the Assignee?
Remember you just as interested in what is NOT in the SAR as to what is in the SAR!

Thanks Roger. The first letter I got from Mortimer Clark said that the current creditor Cabot Financial (UK) Limited had been assigned on a certain date in 2018. All letters I'm getting direct from Cabot are from Cabot Financial (Europe) Limited. MC also say parties to the agreement are Lloyds Bank re AA. I wrote to Lloyds last year, but they couldn't find the account.

[Roger]

Yes my thoughts too. I've written to two companies in the LBG who don't have my details. I'll write back to BOS with further ID. T

The Banking crisis created the BOS/LLoyds Group which rather rapidly was put together.
These were independant entities contracting in their own rights.
Just remember there is more to UE than the Agreement.
This is where the SAR becomes so important! You need to find out WHO Assigned the Debt and to which Cabot Company also the other various Consumer Act legal documents! Did the Mortimer Clark letter mention the Assignee?
Remember you just as interested in what is NOT in the SAR as to what is in the SAR!

[Toots]

I find it odd that they say they have no record of you when Mortimer Clark were able to provide you with a copy agreement a couple of months ago. If it was bona fide they must have got it from someone in LBG.

Yes my thoughts too. I've written to two companies in the LBG who don't have my details. I'll write back to BOS with further ID. T

[Still Waving]

Thanks still waving, it's definitely the original account number, not the Cabot reference. I'll write back to them with other details if you think safe to do so. First letter was signed.

I find it odd that they say they have no record of you when Mortimer Clark were able to provide you with a copy agreement a couple of months ago. If it was bona fide they must have got it from someone in LBG.

[Toots]

First it sounds like you quoted an account number in the SAR, which you ought not to have, as the SAR asks for all info they hold on you. Second, when an account is sold on, it's often the case that a new account reference is applied by the new owner. If this is the case with Cabot and you quoted their ref to BoS, they wouldn't have any knowledge of the new ref number.

You could give them DoB and any previous addresses since the loan was first taken out (and sign the letter, if you didn't previously).

Thanks still waving, it's definitely the original account number, not the Cabot reference. I'll write back to them with other details if you think safe to do so. First letter was signed.

[Still Waving]

First it sounds like you quoted an account number in the SAR, which you ought not to have, as the SAR asks for all info they hold on you. Second, when an account is sold on, it's often the case that a new account reference is applied by the new owner. If this is the case with Cabot and you quoted their ref to BoS, they wouldn't have any knowledge of the new ref number.

You could give them DoB and any previous addresses since the loan was first taken out (and sign the letter, if you didn't previously).

[Toots]

Hi, letter arrived from Bank of Scotland (re DSAR), which arrived in an envelope with a Lloyds Banking Group return address on the back. They can't find my loan account with the number I have given them. This is the same as the one that Cabot have. They're asking for any previous Halifax bank accounts, date of birth, and previous addresses. What next? I'm a bit stumped. T

[Toots]

Have you sent the CCA received from MC to Niddy for checking? If not, send it, together with any original T&Cs to webmaster@all-about-debt.co.uk without blanking anything out, and link to this thread.

Hi, yes I did. Enforceable. I've just got my scanner sorted out so can send the T&Cs now. They're readable. T

[Still Waving]

Hi Still Waving - entries updated. I'll send off the letter to BoS. Thanks v much.

Have you sent the CCA received from MC to Niddy for checking? If not, send it, together with any original T&Cs to webmaster@all-about-debt.co.uk without blanking anything out, and link to this thread.

[Toots]

Your diary entry for this account doesn't mention a request to AA in 2021. Odd that LLoyds should say that they have no record, as BoS is a group subsidiary. Perhaps AA referred your request to the wrong place (ie to Lloyds rather than BoS).

Company mergers/acquisitions mean that BoS (subsequently HBOS) are subsidiaries of LLoyds Banking Group.

It would appear that, at the time the loan was taken, AA loans were provided by BoS. In view of your failed attempt with AA in 2021, I would be inclined to send a SAR to BoS at their Hove address.

Hi Still Waving - entries updated. I'll send off the letter to BoS. Thanks v much.

[Still Waving]

Hi all,

Just catching up. I didn't see notification of the last two posts on here. So, apologies, but I was unaware and thank you for the help.

I've just got a SAR letter prepared, but looking at other posts I've made I did write to AA in 2021 requesting the information. The response I got back was from Lloyds, stating they had no record of me.

I'm very confused. Looking through the paperwork I got a letter from Bank of Scotland on 18th November 2013 saying that the debt had been transferred over to Wescot. Then in December of the same year a letter arrives from Wescot saying that The Lloyds Banking Group had written to me. Then in 2017 it changes to HBOS. Then Resolvecall state it's Lloyds Banking Group in 2020.

So, I've no idea who to write to to make the request.

Does anyone have any idea?

Many thanks

T

Your diary entry for this account doesn't mention a request to AA in 2021. Odd that LLoyds should say that they have no record, as BoS is a group subsidiary. Perhaps AA referred your request to the wrong place (ie to Lloyds rather than BoS).

Company mergers/acquisitions mean that BoS (subsequently HBOS) are subsidiaries of LLoyds Banking Group.

It would appear that, at the time the loan was taken, AA loans were provided by BoS. In view of your failed attempt with AA in 2021, I would be inclined to send a SAR to BoS at their Hove address.

[The Tech Clerk]

DSAR request to originator no charge get proof (free) posting., regardless keep copy on file also update diary. lets get update on situation as of now?

[Toots]

Hi all,

Just catching up. I didn't see notification of the last two posts on here. So, apologies, but I was unaware and thank you for the help.

I've just got a SAR letter prepared, but looking at other posts I've made I did write to AA in 2021 requesting the information. The response I got back was from Lloyds, stating they had no record of me.

I'm very confused. Looking through the paperwork I got a letter from Bank of Scotland on 18th November 2013 saying that the debt had been transferred over to Wescot. Then in December of the same year a letter arrives from Wescot saying that The Lloyds Banking Group had written to me. Then in 2017 it changes to HBOS. Then Resolvecall state it's Lloyds Banking Group in 2020.

So, I've no idea who to write to to make the request.

Does anyone have any idea?

Many thanks

T

[The Tech Clerk]

Send to originator (NO charge) get free proof posting @ Post Office keep copy on file & Update Diary.


Enter Date

Dear Sirs,

Reference:

Subject Access Request - S.7 Data Protection Act 1998

Under the Data Protection Act 1984 and 1998 also 2018 in particular to “Article 15 of the UK GDPR 2021.

Please supply me with a copy of all information your company hold on me including a list of accounts and details of payments along with copies of statements.

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which relates to me and that I am entitled to under section 7(1) of the Act.

If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form. To include any Microfilch records.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

You have 30 days in which to comply.


Yours faithfully.