Hi ya’ll, I mentioned before that Lowell Financial sent me a £25 goodwill payment for poor customer service after a call handler was rude when transferring me to a manager. That manager later agreed to close the account they held on me once I showed how the account had been purchased unlawfully. In my case, I had already paid the original creditor, who rejected the payment and failed to settle the account, although I was awarded £150 compensation by Vanquis at the time. I’m still liaising with Vanquis to correct my credit file, and the account is now closed. Lowell Financial and Lowell Portfolio have both closed their claim against me. However, Lowell Portfolio disputes my right to erasure, and Lowell Financial has told me I must write directly to their partner company, as they say they cannot compel Lowell Portfolio to agree. So far, I’ve only sent one email, on the day the data was purchased, setting out how to contact me. That email included a full SAR and evidence of payment to the original creditor. Since then, after withdrawing consent for email and phone contact, I’ve only needed to make three phone calls in response to letters from Lowell Portfolio, including the SAR response. All that remains is to write to Lowell Portfolio formally requesting my right to erasure, mainly to prevent my data being sold on to another agency. What really helped was dealing with a genuinely engaged manager who was open to learning about property rights, GDPR, securitisation, and the fact that Lowell Portfolio is not regulated, which arguably makes poor data handling easier to get away with. Despite Lowell’s reputation, my experience with their call centre was mostly fine, bar one idiot. I’ve spent about three hours in total on this, including one email and now one final letter. Honestly, I wish dealing with OVO Energy was this straightforward.

I have sent the first SAR today and had an email reply claiming they cant move forward with it because I haven't given them my date of birth and they want me to confirm my email is secure, whatever that means. How do I respond?

I have sent sar 1 sar 2 and sar 3 then I sent a final notice and zinc came back with this reply I am trying to help my daughter get out of a situation she got herself into @Peter Wilson “template driven internet sourced letter” ZINC GROUP LTD Xxxxxxxx 92 xxxxxx Xxxxxx Xxxxx Xxxx 3rd of February 2026 Zinc Reference: xxxxxx Re: NatWest Group Account No: 5xxxxxxxxx Dear xxxxxxxx We write further to your correspondence titled "Final Notice - intent to initiate legal proceedings" which appears to be a template-driven, internet-sourced letter. We have carefully reviewed the matters raised and for the avoidance of doubt, we do not agree with your assertions and do not accept that we have acted unlawfully, failed to comply with data protection legislation, or engaged in unauthorised debt collection activity. Our position is set out below and represents our final response on these issues. Our role and authority As previously explained on multiple occasions, we act solely as a third-party service provider on behalf of our client. We are not the creditor and have not purchased the account. Accordingly, no Deed of Assignment exists in relation to this account. A Deed of Assignment arises only where a debt has been legally assigned to another party. As no assignment has taken place, your request for a Deed of Assignment under section 136 of the Law of Property Act 1925 and related legislation is misconceived and cannot be complied with. Our authority to act derives from our contractual appointment by our client, not from any assignment of rights. As will have been stated in our clients' terms and conditions and fair processing notice, our client can pass customer data to a third party such as us for collection of an outstanding balance. Consumer Credit Act documentation Requests made pursuant to sections 77-79 of the Consumer Credit Act 1974 apply to the creditor. As we are not the creditor, but rather a third-party agent, we do not hold the original credit agreement. Therefore, your request for documentation was appropriately referred to our client. You have confirmed within your correspondence that documentation was supplied by our client following your request. We therefore consider this aspect closed

Like share, comment

Good evening everyone. So looking to hit the ground running, whilst consuming all the knowledge/education at the same time. Basically we have a few fronts to fight (consumer credit, interest only mortgage that hasn't done anything since 2008, defaulted mortagage with Natwest from a really bad buy-to-let investment that was never surveyed by Natwest). Now we're trying to work out the best, most intelligent and stress-reduced way forward, whilst giving the system a black eye or two on the way out and up (definitely now down! 😄). First one to face down is the defaulted natwest buy-to-let mortgage - we gave the keys back to Natwest around 2017, it was such a bad investment and the building was in such a bad way, we were flogging a dead horse. Natwest auctioned the property for £33k and are now chasing for the shortfall of 75k. It's a long story, but Natwest are using Ascent Legal to collect the debt on their behalf, so not a debt buyer. I have basically ignored them for 6-8 years, occasional contact disputing the survey and making a small offer to clear it (refused) - but never got as far as court and I've never paid anything toward the shortfall. They are now threating to take us to county court. We've come across all the knowledge around the sovereign man/woman, self litigation, BoE etc etc. Peter seems to have the most practical and achievable advise, so here we are. I submitted my first SAR to Ascent a few days ago and they have responded with (any opinions/advice is welcome) - my feeling is this is rubbish and side stepping, surely they have my data and should have sought my consent to keep it: "Good morning Mr Hearn, Thank you for your email. Ascent processes your personal data on behalf of NatWest. NatWest is the data controller for your personal data and is therefore legally responsible for responding to Data Subject Access Requests. Please contact NatWest directly to submit your request. Kind regards, Cathryn Kenny Head of Risk and Financial Control