Tuttsi V Halifax ( 18 year claim )

Re: HALIFAX 18 year claim

Sadly terms and conditions do not form part of the personal data that make up a response to a Subject Access Request. Sometimes however, you get lucky and they send account details along with the statements - that is what I managed to get them to send me.

Why are you requesting them in particular?

I thought before I started with this claim it would be best to know what the T&C's said at that time.

Re: HALIFAX 18 year claim

Sadly terms and conditions do not form part of the personal data that make up a response to a Subject Access Request. Sometimes however, you get lucky and they send account details along with the statements - that is what I managed to get them to send me.

Why are you requesting them in particular?

Re: HALIFAX 18 year claim

It's my understanding that a SAR request is for ALL subject data held by the company as well as ALL documents referred to the subjects agreement or account.
which includes Terms and conditions as they are always mentioned on any agreement.

Thanks Phoenis, that is what I thought! hmmmm

I feel a letter coming on.....just waiting for Celtco to answer.

[thephoenix]

Re: HALIFAX 18 year claim

It's my understanding that a SAR request is for ALL subject data held by the company as well as ALL documents referred to the subjects agreement or account.
which includes Terms and conditions as they are always mentioned on any agreement.

Re: HALIFAX 18 year claim

Thanks Celtco, they sent me all my statements and that was it! I have already written back telling them that they have not given me all the required documents and they are now well over the 40 days.

If you could point me to the letter which points out their wrong doings, perhaps I can incorporate this with the start of the claim for the charges- a double wammy... maybe.

Also, when I requested from Abbey under a SAR, they told me that terms and Conditions do not come under a SAR - is this correct.

Dsxx

Re: HALIFAX 18 year claim

I wonder how deaf they would be if you issued a claim against them for non-compliance with the DPA?

I did that to Halifax for a mortgage account - they sent me what I needed, with data going back to 1992.

If you need details on what to do and how to do it, look in the library, or ask here and I can help you.