Adinuff's UE Diary

[Adinuff]

Re: Adinuff's UE Diary

Hi Adinuff,

They have no choice but to respond. Letter of dispute is not the one to send.

You need to write back to them along the following lined.

Dear sirs,

Further to my recent SAR, I am bemused to hear that you are unable to comply. You will be aware that under the Data Protection Act, as Data Controller in this instance, you are bound by law to respond to my legal request.

Please confirm by return that you will comply fully with my SAR, alternatively confirm that you hold no data on me. If the latter is the case, please return my statutory fee of £10.

Hi Vint,
Thanks for that. Will draft a letter up along them lines. So if they cant find anything under the SAR the CCA is unobtainable as well?

Adinff

[vint1954]

Re: Adinuff's UE Diary

Morning guys,
just recieved letter back as stated above. Shall i send letter of dispute?

Adinuff

Hi Adinuff,

They have no choice but to respond. Letter of dispute is not the one to send.

You need to write back to them along the following lined.

Dear sirs,

Further to my recent SAR, I am bemused to hear that you are unable to comply. You will be aware that under the Data Protection Act, as Data Controller in this instance, you are bound by law to respond to my legal request.

Please confirm by return that you will comply fully with my SAR, alternatively confirm that you hold no data on me. If the latter is the case, please return my statutory fee of £10.

[vint1954]

Re: Adinuff's UE Diary

To be honest, you wont win the signature argument with RBS, i never did.

Anti Tamper Strip was the way to go for me, finally admitted no CCA.

Hi SX,

Do you have a copy of the tamper proof sig strip that you can post on here for adin to copy

[DoTheyMeanMe]

Re: Adinuff's UE Diary

shame the templates is down till weekend. Im in the letter writing mode now

Brings you a few more days nearer to SB with your others though, doesn't it?

[Adinuff]

Re: Adinuff's UE Diary

They should be asking you for more info to find it, not just giving up.

In any case, I would be complaining to everyone in sight - heading my letters to the lender 'FORMAL COMPLAINT', because they must respond to a formal complaint.

shame the templates is down till weekend. Im in the letter writing mode now

[DoTheyMeanMe]

Re: Adinuff's UE Diary

exact quote is "We can't locate the information youve asked for"

Adinuff

They should be asking you for more info to find it, not just giving up.

In any case, I would be complaining to everyone in sight - heading my letters to the lender 'FORMAL COMPLAINT', because they must respond to a formal complaint.

[Adinuff]

Re: Adinuff's UE Diary

I assume they actually said 'cannot find' rather than 'do not have' or 'have misfiled'.

If you know there is stuff there you can make a complaint to their Data Control Officer, the Information Commissioner's Office or their Chief Executive (or all three).

Funny how they cannot find stuff that may help your position, isn't it?

exact quote is "We can't locate the information youve asked for"

Adinuff

[DoTheyMeanMe]

Re: Adinuff's UE Diary

They have just sent a letter stating that they could not find anything on the search under my wifes details. Have checked that i sent the correct account number, which i had.

Adniuff

I assume they actually said 'cannot find' rather than 'do not have' or 'have misfiled'.

If you know there is stuff there you can make a complaint to their Data Control Officer, the Information Commissioner's Office or their Chief Executive (or all three).

Funny how they cannot find stuff that may help your position, isn't it?

[DoTheyMeanMe]

Re: Adinuff's UE Diary

What can they do if i reduce payments to £1?

Adinuff

Take it or leave it really, although the OFT guidelines say they cannot refuse any payment. That's why I suggested a standing order - so they will have started taking the £1 before they can even think about it.

Ultimately they may have other courses of action but you can either deal with them at the time or pay them more money if you feel it is necessary. If you receive any threats post them on here for better advice than I can give (that's what I would do).

Expect a bit of huff and puff from them but you can only pay what you can afford, the law expects no more than that.

[Adinuff]

Re: Adinuff's UE Diary

Are you saying they didn't supply anything or is it specific items that are missing? If so, what?

They have just sent a letter stating that they could not find anything on the search under my wifes details. Have checked that i sent the correct account number, which i had.

Adniuff

[Adinuff]

Re: Adinuff's UE Diary

If you have decided upon the UE route you must stop the payments or it will never be SB.

The decision on those you intend to keep paying is really yours. If you do decide to reduce payments don't ask them - just tell them - something like 'I have reviewed my financial situation and at present I can only afford to pay you £1. Accordingly, I have set-up a standing order for that amount'.

Make sure you never make payments by Direct Debit as you have less control over that.

(All in my opinion - wiser heads may be along and say otherwise)

What can they do if i reduce payments to £1?

Adinuff

[DoTheyMeanMe]

Re: Adinuff's UE Diary

Hi DTMM,
Yup quoted all the details on orignal letter.What should be my next cours of action?

Adniuff

Are you saying they didn't supply anything or is it specific items that are missing? If so, what?

[DoTheyMeanMe]

Re: Adinuff's UE Diary

hi Guys,
Niddy confirmed my previous thoughts as the CCA is enforceable. I nee some advice can i reduce payments to the enforceable CCA creditors to a £1 token paymentsand stop making payments to the unenforceable ones? Payments is due out very soon. Would like to make this call asap.

Adinuff

If you have decided upon the UE route you must stop the payments or it will never be SB.

The decision on those you intend to keep paying is really yours. If you do decide to reduce payments don't ask them - just tell them - something like 'I have reviewed my financial situation and at present I can only afford to pay you £1. Accordingly, I have set-up a standing order for that amount'.

Make sure you never make payments by Direct Debit as you have less control over that.

(All in my opinion - wiser heads may be along and say otherwise)

[Adinuff]

Re: Adinuff's UE Diary

What a load of bollox - the law says they have to locate it AND they are responsible for keeping it secure. If it is lost it is hardly secure, is it?

Presumably you quoted account number(s) on your SAR?

Hi DTMM,
Yup quoted all the details on orignal letter.What should be my next cours of action?

Adniuff

[DoTheyMeanMe]

Re: Adinuff's UE Diary

Recieved letter regarding SAR from RBS. "Cannot provide information you are looking for because we cannot locate it :-)

Morning guys,
just recieved letter back as stated above. Shall i send letter of dispute?

Adinuff

What a load of bollox - the law says they have to locate it AND they are responsible for keeping it secure. If it is lost it is hardly secure, is it?

Presumably you quoted account number(s) on your SAR?