SARN info going back how many years?greenspun.com : LUSENET : Repossession : One Thread
Does a SARN get you information going back more than 6 years? My worry is that when my info comes in from Halifax it might not even contain anything about the repossession which took place in 1994, I haven't received anything from Halifax yet but when I do - how many years will it go back to and what do I do if I want information going back further than they are willing to give me.
-- (_Believer14@excite.co.uk), March 09, 2001
Mine from Nationwide goes back to 1987 when I bought the flat and includes entries up to Jan 2001. The formats of the information contained does seem to change as they update or change their systems.
Presume all lenders should send all information they have going back as long as is necessary.
-- Guy Eastwood (email@example.com), March 09, 2001.
If the information doesn't go back as far as your mortgage was taken out, then the lender has probably converted the whole thing to fiche, and deleted database records and possibly disposed of other original docs or archived them where it can't find them (eg in a massive, disorganised warehouse). The lender *might* give you copies of this fiched material, but it doesn't have to - but it *will* have to provide it from October 2001, under the DPA.
You have to ask yourself, why would a lender fiche a mortgage account file? It's not exactly what the CPS would do to evidence they were planning to go to court with, is it?
-- Eleanor Scott (firstname.lastname@example.org), March 09, 2001.