Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have recently sent an S.A.R - (Subject access request) to get the information held on both myself and my wife , as we had joint accounts.
the company has come back and said that they can verify my wifes signature but not mine and can I send offical proof of my signature.
However they saidthat they can action the request for my wife,surely if they are in joint names then what is the issue?
I have recently sent an S.A.R - (Subject access request) to get the information held on both myself and my wife , as we had joint accounts.
the company has come back and said that they can verify my wifes signature but not mine and can I send offical proof of my signature.
However they saidthat they can action the request for my wife,surely if they are in joint names then what is the issue?
Can anyone advise me on what I should do?
thanks
Doc
Hi there.
In my experience, when requesting for a SAR, even though joint account, they have requested if both my and hubby wanted data on us both they required both of our signatures and an extra £10, although I have heard that not all companies have required this.
Maybe it worth giving them a quick ring, as I know they sometimes use stalling tactics to provide these.
I wouldnt send your signature as if they have to send you copies of agreements etc and you never signed originally (i.e you applied over the phone for a credit card, loan etc) then they could scan the signature you send in onto any of these documents!
A lot of posts on this site give links showing you how to create a digital signature - Also everyone is advised not to sign your letters you send as they could scan those aswell!
I will see if I can find the link for you and post back!
FBD
Fatboydukey (FBD) = my big fat ginger tom I am of the fairer sex
HSBC - FBD 1st claim Bank charges Jan 07 = success
HSBC - FBD 2nd claim Bank charges June 08 = on hold
Lloyds - mums claim Bank charges June 08 = on hold
Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest
Citi loan PPI - FBD June 08 = WON!!!!
Citi cards - FBD Credit card charges June 08 = ongoing
Skycard - FBD Credit card charges - WON!!!
Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!
Studio - FBD Catalogue charges June 08 = WON!!!!!!
Hi again, Just found this letter that a member called Tiglet sent - still looking for the link for the digital signature tho lol!
Dear Sirs,
RE Account NO XXXXXXXX
Thank you for your letter dated xx/xx/2008 the contents of which are noted
In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.
If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.
However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?
As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:
7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.
My request for a true copy of my credit agreement under section 77/78** was made on xx/xx/2008 and the 12 working days for your compliance expire on xx/xx/2008. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.
I look forward to receiving the documentation requested
Fatboydukey (FBD) = my big fat ginger tom I am of the fairer sex
HSBC - FBD 1st claim Bank charges Jan 07 = success
HSBC - FBD 2nd claim Bank charges June 08 = on hold
Lloyds - mums claim Bank charges June 08 = on hold
Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest
Citi loan PPI - FBD June 08 = WON!!!!
Citi cards - FBD Credit card charges June 08 = ongoing
Skycard - FBD Credit card charges - WON!!!
Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!
Studio - FBD Catalogue charges June 08 = WON!!!!!!
I have recently sent an S.A.R - (Subject access request) to get the information held on both myself and my wife , as we had joint accounts.
the company has come back and said that they can verify my wifes signature but not mine and can I send offical proof of my signature.
However they saidthat they can action the request for my wife,surely if they are in joint names then what is the issue?
I would write and ask why they can not verify your signature but can verify yur wifes signature before sending your signature again!!
As Fatboydukey rightly says they can use that signature to change documentation.
The fact they are asking for a signature is IMO suspicious.
Can anyone advise me on what I should do?
Write and ask why they require a signature from you. As the account is joint they should already have it.
Fatboydukey (FBD) = my big fat ginger tom I am of the fairer sex
HSBC - FBD 1st claim Bank charges Jan 07 = success
HSBC - FBD 2nd claim Bank charges June 08 = on hold
Lloyds - mums claim Bank charges June 08 = on hold
Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest
Citi loan PPI - FBD June 08 = WON!!!!
Citi cards - FBD Credit card charges June 08 = ongoing
Skycard - FBD Credit card charges - WON!!!
Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!
Studio - FBD Catalogue charges June 08 = WON!!!!!!
SAR signature forj oint names
) to get the information held on both myself and my wife , as we had joint accounts.
Reply With Quote
Originally Posted by Doc2527
I am of the fairer sex 
