The Freedom of Information Act only applies to government bodies.
there was a case where financial institution went up against the ombudsman and the financial institution had recorded the line of a phone call they never provided it to fso despite being asked for relevant material.it ended up in high court and suddenly unbeknownst to fso there's a transcript the bank submits as evidence. so there is two breaches of data protection / disclosure and also a breach of the act that sets out powes of fso.....really hope fso goes after officer of bank for noncoperation misleading etc...and gets the bank officer a custodial term.......so yes they are limiting what you can get and id say unless there is a live dispute its regular practice
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there was a case where financial institution went up against the ombudsman and the financial institution had recorded the line of a phone call they never provided it to fso despite being asked for relevant material.it ended up in high court and suddenly unbeknownst to fso there's a transcript the bank submits as evidence. so there is two breaches of data protection / disclosure and also a breach of the act that sets out powes of fso.....really hope fso goes after officer of bank for noncoperation misleading etc...and gets the bank officer a custodial term.......so yes they are limiting what you can get and id say unless there is a live dispute its regular practice
I applied for and received the entire file on my mortgage last year as I am going through divorce. I was given all MY side of the files as in every time my ex husbands name was mentioned it was blacked out, names of staff in the mortgage company were scratched out and none of his own dealings with the bank were in the file so they had some work cut out for them in getting it to me! I had no problem obtaining a form off them to get my file (kbc) and it was sent to me promptly and within the specified amount of days.
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