amberashjess' UE Diary

[Never-In-Doubt]

Re: amberashjess' UE Diary

Oh that's our template. All forums (and certain banned users) plagiarise our templates (they're the best you see).

Ours is here -> http://www.all-about-debt.co.uk/old/...ypical-request

[amberashjess]

Re: amberashjess' UE Diary

Dear Sirs


Ref: xxxxxxxx


Subject Access Request - S.7 Data Protection Act 1998


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, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or printouts of all account transactions; all internal and external correspondence sent or received by you including memos, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on all types of media in any relevant filing system. If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).


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.


Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge. I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.


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.


I enclose the statutory maximum fee of £10.00 to access ALL data held by you about myself. I am seeking all information regarding a loan, current account and credit card. You have 40 days in which to comply with this request.


Yours faithfully,


I was advised to do this on the legal beagles site to make it easy to get details. I sent this to the original creditor (co op) not lowells. I added in the last paragraph on seeking info on the loan etc as advised over there.

Thank you, im just a worrier.

[Never-In-Doubt]

Re: amberashjess' UE Diary

If it's one of our SAR templates you've NOT admitted anything

chill. You'll be fine.

[MrsD]

Re: amberashjess' UE Diary

Balance of Loan - £3767
Balance of Card - £1937
Accounts opened in 2006
Last Paid - Don't know probably Late 2007 definitely 2008
Owned by Lowell

Update and question

Still not heard anything back from lowell since sending the cca request. Its been 2 months. Also having a panic moment. Sent a DSAR to the original creditor the cop op in december and was advised to put a line in the sar saying that I was seeking information on a credit card, loan and bank account. Have I now acknowledged the debt? I hope not because it is already time barred or coming up to 6 years now
Coop wanted signatures and copy of passport etc to confirm identity. On niddys advice I have not chased this and have not heard back from them. He said do not confirm any address or name changes. They should do the work.

Very scared again. Thanks.

calmness, you're doing great, this is a long road and you can't panic for 6 years, think of the wine bill!!

could you post up the sar letter you sent, where did you get it from, then we'll know better

and no panic, it's only money!

[amberashjess]

Re: amberashjess' UE Diary

Type of account Loan


Date commenced June 2006

Approx balance 3700


Date last paid Late 2007 defiantly 2008


Are you on arrangement or not paying Never paid


Status (default


Account owner Lowell

Hope this is correct. Can anybody answer my SAR question? Thank you.

[amberashjess]

Re: amberashjess' UE Diary

Type of account credit card


Date commenced May 2006


Approx balance 1950


Date last paid 2007 definitely 2008


Are you on arrangement or not paying Never paid


Status default


Account owner Lowell

[IF]

Re: amberashjess' UE Diary

Deep breaths, you're doing well amberashjess, this is a sample of the layout for your accounts (do a separate post for each account) and do have a read of these threads too, remember the more you read the more empowered you will become.


- >UPDATED - A Full Guide to Unenforceability

-- > Unenforceability Diaries


If you could, it would help us if you could set out the information for your debts like this:

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

[amberashjess]

Re: amberashjess' UE Diary

Im also not sure who to set out a diary. hope I've done it right. x

[amberashjess]

Re: amberashjess' UE Diary

Balance of Loan - £3767
Balance of Card - £1937
Accounts opened in 2006
Last Paid - Don't know probably Late 2007 definitely 2008
Owned by Lowell

Update and question

Still not heard anything back from lowell since sending the cca request. Its been 2 months. Also having a panic moment. Sent a DSAR to the original creditor the cop op in december and was advised to put a line in the sar saying that I was seeking information on a credit card, loan and bank account. Have I now acknowledged the debt? I hope not because it is already time barred or coming up to 6 years now
Coop wanted signatures and copy of passport etc to confirm identity. On niddys advice I have not chased this and have not heard back from them. He said do not confirm any address or name changes. They should do the work.

Very scared again. Thanks.

[amberashjess]

Re: amberashjess' UE Diary

yep, your right niddy. Im in no rush for Lowell's to hurry, either! Letters filed.

Thanks.

[Never-In-Doubt]

Re: amberashjess' UE Diary

Who is mentioning a claim? Stop worrying, the account is on hold as they confirmed to you.....

[amberashjess]

Re: amberashjess' UE Diary

Hi,

have just got two letters from BC about the loan on credit card.

They thank for the above letter that Niddy told me to send and they have referred the matter to their client and will revert back when they are in receipt of instructions. Also they say the account is on hold.

Not heard anything from Lowell's regarding my two cca requests yet. Are these letters positive? What do they mean. Can they still issue a claim when my agreement requests are still outstanding? I hate it when letters come as it sets me off worrying again.

Thank you.

[IF]

Re: amberashjess UE Diary

Hiya amberashjess, I've moved some of your posts from your welcome thread to start your UE diary.

Best wishes on your UE journey
IF

[amberashjess]

Re: Welcome to amberashjess

Lowells not acting for the co op, they own it because co op cra reference disappeared for 8 months and Lowell's started updating it October 13. I also have a document from co op telling me they sold it but obviously made by Lowell's as it has a Lowell's print ref on it.

I will take your advice, then niddy and wait till Lowell's get back to me with the agreements or court papers. I wont chase the SAR anymore. I know you know best.

[Never-In-Doubt]

Re: Welcome to amberashjess

Ok that makes sense now, but can you see why coop are asking, it's cos they don't know you moved. Lowell and coop are separate entities - thus really if Lowell own the debt coop cannot take you to court, only Lowell's can. If Lowell's are acting for the coop then chances are there will be errors so instead of volunteering info to them, wait for the to issue court proceedings then we'll get all the paperwork necessary at that point, to defend.

the SAR is quite irrelevant and as coop are messing you around, i don't see why you don't just continue ignoring them.