Dca Looking For My Passport Before Sending Out Agreement

nathal · 13th November 2006, 14:09

Sent of CCA request for copy oif agreement on 15th August.

Time was up then started hassleing them to remove default etc.

Rang today saying received copy of agreement, but need passport/ copy of my signature to confirm my soignature.

What do you make of that???

NailPost · 13th November 2006, 19:33

DO not send them anything. It is their responsibility to prove you are who they think you are. The debt collector - who is it by the way - are in default of their obligations under the CCA for having failed to provide you with documentation. Indeed after this amount of time it means they have committed a criminal offence with a fine not exceeding £2500 awaiting them before magistrates not that it will get to that stage.

If they are playing silly beggars just ignore them but report the scum instead to the Info Commissioner for mishandling your data. They are clearly unsure of your identity but that hasn't stopped them issuing a default. Check that the default hasn't been issued twice, first by the original creditor and then "renewed" by the debt collector. That's illegal and actionable for defamation.

Copy the Information Commissioner correspondence to the OFT and ask if the debt collector is worthy of its Consumer Credit licence. Insist on a reply.

You can have a lot of fun now because the boot is on the other foot.

Go on tell us which debt collector is making a hash of the rules again!

stiffnuts · 13th November 2006, 21:10

It is important that you dont mix up the Data Protection Act and the CCA. I believe that with a section 7 DPA request that they are allowed to verify your identity(not an expert on DPA matters so please correct me if Im wrong).

In terms of a CCA request I dont have a clue why they would ask for your passport

alanfromderby · 13th November 2006, 21:23

As your request was under the CCA then it is for them to prove that you owe the money - certainly they have no right to demand proof of who you are...they should know!!

The CCA has nothing to do with the Information Commissioner. Any complaint should be addressed through trading Standards.

Jimbo44 · 13th November 2006, 23:57

In addition to what's been already been said in answer to your post, I'd be very suspicious of anyone asking for a copy of my signature to verify who I am.

What's to stop them forging your signature on a blank document? Or am I just a naturally suspicious person?

alanfromderby · 14th November 2006, 09:24

Quote:

Originally Posted by Jimbo44

In addition to what's been already been said in answer to your post, I'd be very suspicious of anyone asking for a copy of my signature to verify who I am.

What's to stop them forging your signature on a blank document? Or am I just a naturally suspicious person?

I would totally agree.

edinburghbeerbucket · 14th November 2006, 09:29

Quote:

Originally Posted by alanfromderby

I would totally agree.

Me too. And, as has already been pointed out, they should already have verified your identity themselves before sending out any letters. Write back and point this out to them.

Don't sign your letter, though!!

Jimbo44 · 14th November 2006, 09:38

Quote:

Originally Posted by edinburghbeerbucket

Me too. And, as has already been pointed out, they should already have verified your identity themselves before sending out any letters. Write back and point this out to them.

Don't sign your letter, though!!

.....or, alternatively, change your signature so that you can tell straight away if someone has copied the 'new' version.

alanfromderby · 14th November 2006, 09:44

Quote:

Originally Posted by Jimbo44

.....or, alternatively, change your signature so that you can tell straight away if someone has copied the 'new' version.

Nice!!

nathal · 14th November 2006, 10:20

Fly buggers...

All these thoughts had been running through my head. Was more of the opinion to sit back, with feet up and see how this progres.

Would be interesting, to see will they try and inforce it now.
Is it likely that Barclaycard havejust written ti them, stating they cannot find the agreement, and this is whats brought this on....?

Switch · 14th November 2006, 10:42

Quote:

Originally Posted by Jimbo44

In addition to what's been already been said in answer to your post, I'd be very suspicious of anyone asking for a copy of my signature to verify who I am.

What's to stop them forging your signature on a blank document? Or am I just a naturally suspicious person?

With all my correspondence to the DCA's I have used a different signature, its not too unlike my real one but there are little differences that i will be able to spot.

ATI · 14th November 2006, 19:14

Never ever send or give your IDs to any of those scumbags. they are thieves and will 100% defraud in order to receive payment. Never give out your A/c or Credit card number because they would steal your money without your authorisation I have seen it many many times. the way it works is like this
they enter payment and sometimes fake CV2 and the system would allow it to go through but because the advisor would process 1000s if 10 or more are fake his boss will most probably tell him to be careful and you would be left to fight for a charge back. I knew a guy who managed to do it this way and he got 100.000 pounds collection in order to get a bonus etc.....
the other thing is that they would simply click on Direct debit and iot would be authorized. if you complain they would say that you called them and authorised it .if you ask to listen to conversation they would say it is only recorded randomly for training purposes

PLEASE NOTE THAT THE VIEWS EXPRESSED IN THIS POST ARE THE PERSONAL VIEWS OF THE POSTER.

nathal · 14th November 2006, 20:00

Seems like a real can of worms.........

Suzy H · 15th November 2006, 01:51

OMG ... I have signed ALL my DCA letters

.

I have not been asked for proof of id YET but I am now praying for the 17th when the debt becomes 'unenforceable' - I never even thought of them forging my signature aaarrrggg - oh man!!!

.

Ah so old yet still so wet behind the ears

Jimbo44 · 15th November 2006, 02:28

Quote:

Originally Posted by Suzy H

OMG ... I have signed ALL my DCA letters

.

I have not been asked for proof of id YET but I am now praying for the 17th when the debt becomes 'unenforceable' - I never even thought of them forging my signature aaarrrggg - oh man!!!

.

Ah so old yet still so wet behind the ears

I do actually have a 'second signature' that I have used once or thrice on those occasions when I don't wholly trust the recipient.

Suzy H · 15th November 2006, 03:06

Oh my goodness Jimbo44 - you are clever

However, I have learnt my first valuable lesson of the day. Granted i'm going to have a couple of sleepless nights with worry but live and learn and I guess I won't be so trusting (OK ... DAFT) again

.

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