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Homeowners behind on mortgage payments

Jack made this Freedom of Information request to Bradford City Council

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Dear Bradford City Council,

I am looking to for data on homeowners that are behind on their
mortgage payments.
They may have had a court hearing and have fallen into
arrears.
We buy houses quickly so we want to offer the vendors a
solution to this and offer our service.
I know the court hearings are public data and it can be requested so please supply us with this data.

Yours faithfully,

Jack

Freedom of Information, Bradford City Council

Thank you for submitted your request under the terms of the Freedom Of
Information Act and Environmental Information Regulation 2004. This matter
is now receiving our attention and we aim to have a response out to you
within the period of 20 working days allowed for disclosure.
If you have submitted your request under the Data Protection Act (Subject
Assess Request) we aim to have a response to you within 1 month.

 

Bradford Council is registered with the Information Commissioners Office
(ICO) under the provisions of the Data Protection Act 2018.  If you would
like further information please click on the following link:
[1]https://www.bradford.gov.uk/open-data/da...

 
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References

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Mark Dewar, Bradford City Council

Dear Jack,

 

I refer to the freedom of information request submitted to Bradford
Council on 29 July 2018.  Your request and the Council’s response, are
both detailed below.

 

Your request:

 

I am looking to for data on homeowners that are behind on their mortgage
payments.

They may have had a court hearing and have fallen into arrears.

We buy houses quickly so we want to offer the vendors a solution to this
and offer our service.

I know the court hearings are public data and it can be requested so
please supply us with this data.

 

Council’s response:

 

Under Section 14(2) of the Freedom of Information Act, where a public
authority has previously complied with a request for information which was
made by any person, it is not obliged to comply with a subsequent
identical or substantially similar request from that person unless a
reasonable interval has elapsed between compliance with the previous
request and the making of the current request. This request is the 3^rd
such identical request made in this financial year to Bradford Council.  A
detailed response was provided to whatdotheyknow.com on 1 May 2018.

 

Bradford Council will therefore not be responding to any further repeated
requests for this information.

 

The Council has reported its concerns regarding these repeated requests to
the Information Commissioner’s Office.

 

If you are not satisfied with this response you have the right to ask for
an internal review. Internal review requests should be submitted within
one month of the date of receipt of the response to your original request
and should be addressed to Freedom of Information Officer, 1st Floor
Britannia House, Hall Ings, Bradford BD1 1HX or by e-mail
[1][Bradford City Council request email]

 

If you are still not satisfied with the outcome of the internal review you
have the right of appeal to the Information Commissioner who can be
contacted at : Information Commissioner’s Office, Wycliffe House, Water
Lane, Wilmslow, Cheshire, SK9 5AF.

 

Tel: 0303 123 1113 (local rate) or 01625 545 745           URL:
[2]https://ico.org.uk/

 

Your sincerely,

 

 

Mark
Dewar                                                                          

Service Coordination Officer

Economy & Development

 

8th Floor,

Margaret McMillan Tower,

Bradford, BD1 1NN

 

City of Bradford Metropolitan District Council
Department of Place

 

Get the Bradford Council mobile app: [3]www.bradford.gov.uk/app

 

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information and is intended solely for the individual to whom it is
addressed. It may contain sensitive or protectively marked material and
should be handled accordingly. If this e-mail has been misdirected, please
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supplied with this e-mail. E-Mails may be subject to recording and / or
monitoring in accordance with relevant legislation.

If you would like to make a Freedom of Information request, please visit
our website [4]http://www.bradford.gov.uk/foi before you submit a request
as you may find the information and data that you want in the data that we
already publish in our Publication Scheme. The Scheme has a significant
amount of information which is available to you, without the need for a
specific request, and describes how we work and how to obtain information
published by our various departments.

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References

Visible links
1. mailto:[Bradford City Council request email]
2. https://ico.org.uk/
3. http://www.bradford.gov.uk/app
4. http://www.bradford.gov.uk/foi

We don't know whether the most recent response to this request contains information or not – if you are Jack please sign in and let everyone know.