If you are making an affordability complaint about a large bad credit loan (that includes logbook loans and car finance) or a guarantor loan, my template letters start by asking the lender to send you a copy of all your personal information.
This is often called a Subject Access Request (SAR). Getting thus data has been free since 2018.
So what do you do when you get this SAR information? 
Why do you ask for a SAR?
Lenders only have to make “proportionate” checks that you can afford a loan.
With payday loans – small and short term – a lender doesn’t have to make detailed checks on the first few loans. Your repeat borrowing is the strongest point in your complaint. This is why most people with a payday loan complaint don’t need to bother with a SAR.
With large loans, the lender should have made careful checks you could afford it even if you only borrowed once. Sometimes the data you get in a SAR will help you show that they didn’t.
It’s best to ask for the SAR data at the start of your complaint because it can take time to be sent the details. And you want them there, ready, in case they are needed … but for many people, they won’t be.
You don’t have to do anything!
Your affordabilty complaint is already underway. The lender has to accept or reject your complaint within 8 weeks from that first email.
You don’t have to do anything else during this 8 weeks. If the lender makes you a good offer, you will never need the SAR information at all.
If you get rejected or a poor offer, you can just send your complaint to the Ombudsman as it is. FOS have looked at a lot of affordabilty complaints and they will ask you for more information if they need it.
If it looks as though your FOA adjudicator doesn’t understand your case, at that point you can dig through all the SAR information and use that to explain your case further.
Or you can use the SAR to explain your case in detail
But some people like to send a detailed complaint to FOS.
If you think your case is complicated or the lender is difficult, you may feel that it’s good to help your adjudicator at FOS by summarising the important points. And then the SAR can provide evidence for you.
Organising the data – is it all there?
If you have been sent a lot of paper, or digital files, it’s good to go through it quickly to see what there is, sort it into date order, number each document and make a list. An example:
- application form for loan £1,500 on 13/03/2016
- credit check on 13/03/2016
- consumer credit act agreement 13/03/2016
- top-up application for £1,000 on 20/11/2016
- phone call about arrears 10/02/2017
- arrears letter 20/02/2017 etc
This may show that some things are missing. Why is there no copy of your application for the third top-up? No credit checks?
Sometimes you may not care. You may not want recordings of all your phone calls unless you think the lender was being misleading or too aggressive in them. But if you are interested in something and it isn’t there, go back and ask the lender for it.
And if the lender starts referring to other documents at FOS, ask why you have not been sent these.
Don’t let the lender fob you off by telling you to get your credit report from the credit reference agency (CRA). This is wrong for two reasons:
- you want the credit report details at the time of the lending decision, not now. It isn’t possible to get a backdated report from a CRA.
- the information the CRA sends the lender, including your credit score, is NOT the same as what you can see on a credit report. You want to know what the lender was given.
What to look for if you just had one loan
You are looking for two things.
First, any points where the lender failed to get a good income and expenditure details from you. This could be because they never asked about some expenses, or they put in too low a figure from some other source or you gave too low a figure and the lender just accepted it.
Second, any discrepancies. Things where one thing the lender can see doesn’t match against something else, so the lender should have looked in more detail.
Here is a long list to think about. For most people only a few of the points will apply, so it’s not as difficult as it seems!
Also you are the expert here, there may be something that matters for your situation that I haven’t mentioned.
- expense lines that are implausibly low. One reader reported a lender accepted £50 a month for food and nothing for clothes! These amounts have to be realistic, not just for a few months, but for the whole term of the loan.
- expense lines that are missing.
If you have a car, you need not just petrol and insurance, but MOT costs and an amount for new tyres etc. If you have glasses or contacts, you need an appropriate monthly cost for these. etc etc
Perhaps you don’t have a car but your loan application said you wanted to buy one. So the costs should be allowed for. - you need some allowance for non-essentials eg entertainment, kids pocket money, Xmas presents etc. These don’t have to be individually listed, but if they are, they should be reasonable. There could just be a general allowance for other expenses or the lender could say there should be a buffer for other expenses when they work out your income vs expenditure.
- if the lender knew you or someone in your family gets disability benefits, they should have checked that there were adequate expenses allowed for the extra costs.
- was your income right? You may have exaggerated it to help to get the loan – the lender should have checked it was correct. If your income was variable (bonus, commission, overtime) this should have been taken into account, not your maximum income used.
- your health, age and family situation should be taken into account if this may change during the term of the loan. Are you about to lose child benefit and child tax credits with a child reaching 18? Retire?
- your partner’s income should not have been taken into account unless their expenses and debts were also considered to check if it was reasonable. And the lender should not have assumed your partner could pay for most of the household bills without checking that was realistic.
- do the debt repayments you put on your application match up with what your credit record shows? This doesn’t have to be exact, but a major difference should have been looked into. So you may not have mentioned payday loans because you thought the application wanted to know about regular monthly commitments, but the lender could see payday loans on your credit record;
- did you have a lot of recent new credit? recent defaults or CCJs? A bad credit lender won’t expect you to have a great credit record, but did your situation look bad and was getting worse?
For top-ups or subsequent loans
For each new loan or top-up, the lender should have done new checks. So all the ones listed above should apply to the top-up.
In addition the lender knows a lot more about you for your second application, so there are more things to look for. As one FOS decision said recently:
With each loan application [the lender] should have been delving further into Mr H’s situation.
So what has changed since your previous loan and has your situation got better or worse. If your situation has got worse, then the lender should have thought if more credit will really help your situation. Some specific information in the SAR that may cast light on this includes:
- your expenses seem to have dropped. This could be a sign you were desperate for the new application to be accepted, so they should have been verified.
- your income seemed to go up a lot. It could be right, but it should have been checked.
- did the credit record show your financial position had got worse since the previous application – more debt, more payday loans, recent repayment problems, more short term high cost debt?
- if you said the previous loan was to consolidate debt, does your credit record show that never happened? If it didn’t perhaps the lender should look at your bank statements.
- if the previous loan was to buy a car and so was the top up, what was going wrong?
For guarantors
Your SAR information can help with making points about affordability in all the ways discussed above.
If you are the guarantor for a loan, the lender has to check you would be able to afford the repayments out of your income if the borrower defaulted.
The lender can’t just accept you as guarantor because you have a house with equity – that reduces the risk to the lender but doesn’t mean the loan is affordable for you.
Were you reliant on the borrower in some way?
This additional point can help if you were financially linked to the borrower in some way. For example, they may pay part of your rent/mortgage/household bills, you may have taken out a loan or car finance for them that they are repaying, they may pay you child maintenance.
In all these cases, the SAR should show that the lender considered what your finances would be like if the borrower stopped contributing in this way. Because if the borrower loses his job or stops having any contact with you, you won’t just have to make the guarantor loan repayments – often you will be having to cover more or all of the household expenses .
So does the SAR information show that the lender considered what your situation would be in this situation?
Other reasons for guarantors to complain
And guarantors can also complain about other matters eg the obligations of a guarantor were not properly explained to them. Here the recording of the phone call can help:
- the phone call may have been brief, not thorough enough. You may have been at work and not be able to go into details.
- it may have been clear you didn’t know much about your expenses. It’s actually common for people to have little idea what they spend on food or clothes or running a car – the lender should have spent time trying to get realistic figures and tried to verify what you said. And for some people this is harder because they have problems with numbers or making financial decisions.
More refunds for Amigo loans
Unaffordable car finance – your options
Loans2go – how to complain
Chantal Marie Smith says
This is a very helpful post, however I have been successful in all my claims bar one at this point and it’s with the FOS waiting a final decision, since the administrators review was rejected. They did make an offer but it wasn’t in line with the FOS original decision so I rejected it waiting to see the outcome now. Hopefully it will be as the original which is to refund me the interest and charges associated with loans 3 and 4. So I am waiting on that at the moment. Fingers crossed I get what they feel is right.
Henry says
Sara
Your detailed recap and this updated (very thorough) step to step guide to making an affordability claim is fantastic.
I started affordability claims about 3 months ago and being honest I’ve had mixed success. Mr Lender were first to respond with an immediate offer which I accepted because I needed the money and there are many other claims with different lenders which I thought would be satisfied at intervals along the journey so I didn’t argue with ML about upping the offer.
Wrong…… I’ve hit a brick wall.
Payday Express have been awful and frustrating to correspond with as have Loans to Go, Lending Stream. Uncle Buck and My Jar with one company getting a little personal in their reply as I argued my case.
I am now at the ombudsman stage and I was reviewing things over the weekend and nearly threw the towel in as the process does overwhelm me a little bit. I’m no good with e-corresponding and I don’t think I can put a file together so the actual process of submitting my claim is daunting because I’m unable to supply the ombudsman with all of the information he will require, however; your email arrived this morning and has renewed my enthusiasm. Your presentation really simplifies the task for thicko’s like me.
Thanks again.
Chantal Marie Smith says
Hi Henry, sorry to hear you are having issues with a few that I successfully claimed from. A majority of these paid up once the ombudsman services were involved and have been settled. My jar was the only one that rejected dealing with me since I made a complaint to them over a year ago add they said you have to contact the ombudsman within 6 months. In the end they agreed just to settle and wipe off the loan remaining with them. But all others were fine and successful. Just waiting on Quick Quid part of cash euronet to respond now but they are being difficult and have rejected the claim 4 times between myself, the claims company and the ombudsman. It is now at the final stage with the ombudsman. I put this claim in almost 2 years ago now. So it’s taking so so long. Good luck with all yours though. I got rejected by Mr lender and advised no one deals with them as their experience with them isn’t good in the sense they vary rarely win claims against them.
Henry says
Thanks for your kind words Chantal.
Isn’t it bizarre that Mr Lender came up trumps for me (and being honest they were actually very straightforward during the whole process) which gave me confidence moving forward yet your experience is the opposite. Perhaps they have rolled over and know they have to do the right thing.
We both agree about My Jar … I hope they go bust when everybody is settled.
Sara’s article added your experience and the insight you have given into timescales (plus a never say die attitude) have renewed my enthusiasm to see this through.
Thanks and regards.
Henry.
Walter Boyle says
Hi Sarah
This post is indeed very helpful esp the step by step check list. One question would this also apply for a mortgages if the lending bank was shown not to have done a thorough affordability and age check?
Thanks
Walter
Emma says
Hi There! Sorry to ask a silly question-it’s been a long day !
So once I’ve asked for a SAR from a company,they then treat that as the start of the complaint?
As it states”You don’t have to do anything!”
Just double checking-I request a SAR,if no contact within 8 weeks,I escalate to Financial Ombudsman?
Thanks in advance
Emma
Sara (Debt Camel) says
All my template emails asking for a SAR do this as part of making an affordabilty complaint.
But if you have just sent a SAR to a lender, out of the blue, not giving any reason why, or you have said something vague, then you haven’t made an affordabilty complaint, have you?
Emma says
So sorry to have asked the question.
Sara (Debt Camel) says
no problem! if you wondered, so did a lot of other people as well!
Jamie Lock says
Can’t believe it anyone else received payment? Mine has been processed and in my account already
Sara (Debt Camel) says
is this for a guarantor loan? could you post about it on https://debtcamel.co.uk/how-to-complain-guarantor-loan/.
david says
hi all, when requesting SAR detail on a logbook loan from 2009 I’ve bene told they no longer have any information. where do I go from here please?
Sara (Debt Camel) says
That’s very old. Was it a single loan? Do the loans show on your bank statements?
David says
Yes. But further to another logbook loan taken and cleared only just over a year earlier from another company which a family member helped to clear.
I have the statements yes but nothing else other than a statement of account from them. Don’t have a credit report from that time.
Sara (Debt Camel) says
Well you can send your bank statements to the lender and ask them to consider your complaint or you will send it to the Ombudsman. But FOS may well think that with just one loan, that old, it wouldn’t be reasonable to find against the lender.
David says
Thanks as always Sara.
#bestsite
SM says
Hiya, I just wanted to ask what happens if amigo don’t send the SAR but the end of the 30 days? Mine is coming up to 30 days on the 14th so there is still time for it to arrive yet but was wondering if I should do anything if it doesn’t?
Thank you
Sara (Debt Camel) says
They normally do, no need to anticipate problems!
SM says
Ok sorry, got anxiety that’s quite high atm so always trying and prepare for then negatives if I can especially as things get closer and not heard anything 🙈. Thank you
Sara (Debt Camel) says
That’s understandable, but in this case there are so many possibilities that it’s easier to tackle things as they come up. You should never feel bounced into making an immediate decision, it is always fine to take a few days to think about it and pop back here and talk it through?
S says
Hi, after panicking last week, I received my SAR disc today. It looks as though they did you a proper credit search as it has the debts I put in the complaint on. My income is wrong as I was getting about £800-£900 a month but I put I had about 1500. Apparently they checked this using income matrix. My income an expenditure form looks ok but quite basic, originally I had out £50 for travel and transport, water as £18, also my daughters activities wasn’t listed on the one a did at the time. I have noticed my income is down as 1500 and doesn’t have any of my benefits listed then in the one in January they are on. Also my brother told me it was for a house and on the form it actually says he got the load for a car/bike. If I had known this i would not have stood guarantor at all. I’m worried now that this won’t be enough to win the case as amigo did check my credit file. They still did not ask for bank statements or anything though or confirm or ask questions regarding my expenditure/income on the initial phone call. Any advice would be greatly appreciated. Is there anything else I need to look for that I could use to win the case if amigo reject?
Sara (Debt Camel) says
“My income is wrong as I was getting about £800-£900 a month but I put I had about 1500. Apparently they checked this using income matrix.” If Amigo had your income wrong, that would explain why they thought the loan was affordable. but they should have verified your income by asking to see payslips or bank statements or both.
That seems quite a low income to me to be able to afford repayments on an Amigo loan when you are a single parent.
“My income an expenditure form looks ok but quite basic” it should have been full enough to reflect what you were actually spending money on. Was £50 enough for travel & transport? Was £18 enough for water – that sounds low for many people’s water bills. You should have had enough for your daughter’s school uniform and other clothes and shoes and activities. Were all your credit card and other debt repayments accurately listed?
You said before that the phone call with you was brief – have you listened to the call? If you were rushed as you were at work, that would explain why you perhaps didn’t think clearly about what all your different expenses were. This was not your fault, it was Amigo’s fault for not verifying what your expenses were and not making sure you had enough tome to properly think about them.
Amigo always check someone’s credit record – that doesn’t mean they made the right decision that you could afford the loan. You know you can’t! So they didn’t check properly.
S says
I only work term time and just over 31 hours a week so it is lower than a full time job. They definatly didn’t check with me for proof or anything. Iv looked back and water was actually just over £44 a month, my brother was actually telling me what to write. I put £25 for clothes, and £50 was for he petrol I put in. I didn’t list road tax or anything like that. If I’m honest the credit record confused me but it does have my newly took out Morgage, credit card and finance for sofa on.
I have listened to the call they asked me to confirm I had filled the form in ect, I literally just answered yes and no to them, they asked:
To confirm it was in regards to being guartor for the loans, explained the amount and for how long it was for,
if I thought my brother could afford the repayments (he had assured me he could) so I said yea,
If it was me that signed agreeing to the terms
If it was me that completed the online budget assessment
Explains I’m responsible to make the repayments he misses
About possible court and ccj ect
If I’m unsure or concerned about anything get advice from CAB before going ahead transferring money and if I had any questions
Sara (Debt Camel) says
So this sounds like a clear case where you gave answers that were too low and if Amigo had verified them they would have seen that your income was lower and erratic, you didnt get the same every month. And that your expenses were higher.
The water line clearly sounded wrong. £25 for clothes for you and growing child is very wrong. This is a long term loan – you can manage for a month on very little, but not if you have to make all the payments for years – which is what you are committing to when you become a guarantor.
This sounds like a good complaint to be removed as a guarantor. Read https://debtcamel.co.uk/amigo-ombudsman-released-guarantor/ which looks in details at one Ombudsman decision about a guarantor – there too Amigo had not made propoer checks that the guarantor could afford the loan.
At the moment you dont have to do anything, just wait for Amigo to answer your complaint. You now have the SAR information in case it is needed later.
S says
Thank you very much for your help and replies, reading that is seems hopefully as some of my details are similar. Miss w had quite a few good reasons to have it upheld. I read about amigo should have explained about charging order ect, I was told about them that I could be issued one, they didn’t explain what they was though and also about the default part. They just said I have to pay any missed payments. I can’t prove they didn’t do adequate checks on my brother and we aren’t on talking terms since it’s ask but I don’t think it was affordable to him as he only paid 1 payment on time the rest was late until I had to take them over. The only complaint I think have for them upholding will be they didn’t check my wage ect properly that I could afford it and possible not explaining the bits like in miss w’s Case
Sara (Debt Camel) says
Your case is better than that. They didn’t check your expenses properly either… I know you must feel very worried, but just wait until you get the reply from Amigo and then if you aren’t released from the loan, send it to the Ombudsman.
Kylie says
Hi I sent my affordability complaint along with Sar request to amigo on 29th Oct, I received an email yesterday stating “Further to our letter acknowledging your complaint, I’m writing to confirm that we are still investigating the complaint you have raised. This is due to your complaint requiring a more detailed investigation or because we haven’t been able to pick it up as quickly as we had hoped. However, your complaint is important to us and I’d like to assure you that we will be responding to your concerns as soon as possible.
Thank you for your patience. We will write again as soon as possible, and at the latest, within 8 weeks of the date we received your complaint.”
Nothing has been sent in regards to the Sar request do I just leave it and wait for the outcome of my complaint or is there something else I need to do?
Thanks
Sara (Debt Camel) says
Go back to them and say you understand they have 8 weeks to reply to your complaint, but you should be sent your SAR infomration in 30 days.
Beate says
Hi,
Do I attach all files like phone records, credit reports and agreements from SAR when sending complaint to FOS? or just
all the credit reports from Amigo in SAR? They are showing that I am getting in deeper debt.
Thank You
Sara (Debt Camel) says
How old are these loans?
And is for you – the guarantor – or for your husband who is the borrower?
Beate says
Loans are from 2017, 2018 and 2019
It is for my partner the borrower.
Sara (Debt Camel) says
OK, well he doesn’t need to send copies of the agreement. Amigo will supply those.
And he can just send a single credit report taken now – that will show everything back to 2017. He can get his TransUnion Statutory Credit report from here, it’s free https://www.transunionstatreport.co.uk/
Are any of the phone calls interesting? For example he might have told Amigo he was struggling but they then let him top-up? If this all seems complicated, he can just send a really simple complaint to FOS – like the one he sent Amigo, with his bank statements and his credit report.
The SAR is really there as useful info for complicated cases. You don’t have to spend a lot of time doing this – but some people like to look at everything and think about it all!
Beate says
Thanks for info.
Tried TransUnion Statutory credit report and they are asking to verify ID by post which will take longer time.
Experian also have Statutory credit report. Requested one from them and it will be with me in 7 days time.
Is it better to use TransUnion? or it doesn’t matter?
Sara (Debt Camel) says
Some bad credit lenders only report to TransUnion so that’s why I usually suggest that.
Just send the FOS complaint in without it and add it later when you get it.
Stacey says
Hi got my response back from uncle buck same as satsuma didnt provide sar etc but just response saying they went off what i told them basically . They said they used transunion for credit checks also but i know my credit has always been low when taking out these and most of what i said was not true no proof was asked and they have even identified they didnt ask for any so going to send it to fos
Any other suggestions on response to them as not received no proof sar etc?
Sara (Debt Camel) says
how many loans from UB?
Martin says
Hi Sara, not sure if you remember me, I put up here a few weeks ago about a complaints email I sent to 118118 about irresponsible/unaffordable lending…I finally got a reply today but email is far too long for me to post on here, they have basically rejected the complaint, gone on about how I signed the agreement and gave information correct to them for them to authorise the loans, with me doing so, it’s fraud if I have lied about any income ect…they Stated at the end of I wish to take it up with the FOS I should do so.
Sara (Debt Camel) says
Hi Martin, this sort of comment is best on https://debtcamel.co.uk/refunds-large-high-cost-loans/ .
Lots of lenders make threatening noises about fraud, but I am not aware of anyone who has had any problems if they send the case to FOS. You know if the loan was unaffordable and has caused you a lot of problems, lots of people win 1 loan cases against 118.
Martin says
Ok thank you Sara, I’ve asked for SAR or should I go straight to FOS. I have all the emails, details of the two loans, statements if needed around the time of the loans. Do I need to get credit report around that time too? Many thanks
Sara (Debt Camel) says
you don’t need the SAR before you go to FOS, it will take some time for your case to be picked up. And just send a copy of your current credit report, you can’t get a backdated one.
Luucy says
Hi Sara
I’m sorry to bother you . And apologies if this is a silly question.
I have had my SAR sent through from Avant Credit after using your template for an affordability complaint.
They are saying in the email attached , that they have now closed my Subject access request.
Can I just ask you , that they are still carrying on with the complaint , or do I at this point write to FOS.
Many thanks
Sara (Debt Camel) says
they should still be carrying on with the complaint – but to be sure you could replay saying Thanks for the SAR, you await their response to your affordability complaint which you sent on dd/mm/yy.
Luucy says
Brilliant, will do.
Thankyou once again
Sam says
Hi Sara,
I took a loan out with Amigo in Nov 2016 for 4k – topped it up to 7.5k in Feb 17. Didn’t miss any payments on the loan and managed to settle it early. At the time I took the original loan out I was drinking every day and gambling every other day. I evidenced this with bank statements showing income of 7k for the period (including the amigo loan of 4k) and about £16-1700 of gambling transactions. I’ve put a complaint in with them but don’t feel as though it’ll get anywhere as I managed to sort myself out and pay it with a full settlement. I’m still paying down another loan as a result of taking the loan with amigo and using the other loan to pay the amigo loan down. I feel as though I’ll be the 1/10 person that doesn’t get their complaint upheld!
When the case goes to the ombudsman how will that play out? Or does FOS just look at circumstances in the period running up to the loan being paid out before making a decision?
Love this site by the way!
Sara (Debt Camel) says
FOS looks at whether you should have been given the loan. The fact you later turned your life around doesn’t make a difference.
good luck!
david d says
Hi all, a little random point but Capital One have sent me Sar detail, but I didn’t request it. No indication of why they sent it came along with it. Just wondering if they are doing this based off any legislation or I’ve just randomly been sent it?
Thanks.
Sara (Debt Camel) says
No idea! I have never heard of this happening.
matt says
Hi Sara ,
Amigo just rejected my complaint. I would like to go forward to Ombudsmen Financial services but I have no idea how to write them , how to explain the situation, hoe to make the complaint.
I requested SAR from Amigo but they haven’t sent , even it passed 8 weeks since I complained. What shoul I do in this case? Can you help me with a template for FOS? Much apreciated.
Sara (Debt Camel) says
there isn’t a template, this can be very short, just basically what you said to Amigo. See https://debtcamel.co.uk/how-to-complain-guarantor-loan/#Taking_a_complaint_to_the_Ombudsman.
You can add that they still haven’t sent you your SAR.
Don’t make a big thing of out what you say to FOS – this is just kicking off your complaint. Plenty of time to add more details later on or explain if the FOS adjudicator doesn’t seem to understand.
Tony says
Hi I have just received my SAR from 118 and noticed that that they used the same credit report for the for my top up loan as they did for my original one. As i was swimming in debt at the point of the top up loan i assume this would be sufficiant grounds for irresponsible lending?
Sara (Debt Camel) says
It certainly helps your case! If your complaint is with the ombudsman already, write and tell them about this.
But to win a complaint you have to show that the lenders didn’t check properly AND the loan was unaffordable.
P L says
Hi Sarah, could someone ask for a SAR after the final letter of a complaint was received ?
Sara (Debt Camel) says
Do you mean after the lender has rejected your complaint?
P L says
Yes that’s correct
Sara (Debt Camel) says
yes you can.
But if you think the rejection is wrong, I suggest you send the complaint to the ombudsman at the same time.
Ombudsman complaints take months to go through, so kick this off straight away. You can always add more infomrtion to it when you get the SAR in a few weeks time.
P L says
Thank you Sarah, its been so helpfull all the information I’ve found here.
MJ says
I was wondering if you could tell me whether I can submit a SAR to a company which has been dissolved and, if so, how to do so.
I contacted Ocean Finance with a SAR about a secured loan I took out in 2007. However they tell me that Ocean Finance and Mortgages Limited was dissolved in 2016 and that they are actually Intelligent Lending Limited t/a Ocean Finance, so do not hold any data about my loan.
Is there some way to contact the dissolved company? Would I simply write to the last registered address? Will my data still be available?
Thank you.
Sara (Debt Camel) says
has the loan been repaid, if not, who is the current creditor?
MJ says
Ocean Finance were the broker, the loan itself was with GE Money originally, but has been sold on to Arrow Global. However, it is specifically information from Ocean Finance I am after, as I believe they may have been paid undisclosed commission.
Sara (Debt Camel) says
There is no-one that will hold that information any more.
Louise073 says
Hi I’ve requested my SAR from Lloyds regarding an irresponsible Lending Complaint but they’ve said I need to fill in a form DSAR,is this right.Thankyou.
Sara (Debt Camel) says
What is the form asking for? Smithings may be reasonable, others may not be.
Have you had a reply to your affordability complaint?