Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



+ Reply to Thread
Page 1 of 2
1 2 LastLast
Results 1 to 20 of 32
  1. #1
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default first direct wont send SAR/data protection without signature

    Can anyone shed some light? I have sent SARicon to first direct with fee but without signatureicon. They have replied that they need a signature to verify identity. I have replied that the law does not require me to sign anything but I am willing to go to a local branch and provide proof of id in the form of a passport. FD replied no can do. Only when they receive my signature and have verified it, they will then have forty days to comply.
    Has anyone experienced this avoidance tactic?
    Any ideas?
    Thanks


  2. #2
    Site Team maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    I am in
    Edinburgh
    Posts
    19,609

    Default Re: first direct wont send SAR/data protection without signature

    Hello and Welcome,

    You could try sending them this...........

    Dear Sir,

    You have stipulated that you require proof of my identity/signatureicon before you comply with my Subject access requesticon, may I bring the following to your attention;

    Data Protection Act Good Practice Notes:

    2. Do you have enough information to be sure of the requester’s identity?
    Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

    Suffice to say that if the Information Commissioners Office are satisfied that if you have previously corresponded with me at this address then it is reasonable that I am the person I say I am, therefore there is no leglislation nor guidelines that you can hide behind in an attempt to avoid fullfilling my legal request.

    If you still fail to comply to my legal request, I will have no other option than to complain to the Information Commissioners Office & if my complaint is upheld you will be liable to a £5000 fine.

    Yours,
    Print name do not sign.


    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others

  3. #3
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    Thank you so much Maroondevo52 for your speedy reply.
    Sorry, I forgot to mention that I have moved address, but I have been corresponding with three different debt collectionicon agencies at my current address and have been paying a nominal amount since 2006!
    My drivers licence is still in my old address for id, though.


  4. #4
    Site Team maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    I am in
    Edinburgh
    Posts
    19,609

    Default Re: first direct wont send SAR/data protection without signature

    Hi,

    Send the letter and see what they come back with.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others

  5. #5
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    ok Scott, will do.
    I have been fighting to keep the vulchures from my door since 2006 and finally had the good fortune to find this website. I have been trawling through these forums, many many hours of informative reading! since january and have finally taken the plunge.
    Thanks again for your support and i'll let you know what Ms Howard at First Direct has to say about this letter.


  6. #6
    Site Team maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    I am in
    Edinburgh
    Posts
    19,609

    Default Re: first direct wont send SAR/data protection without signature

    Hi,

    Glad you find this site helpfull I know when I found it, I was in deep trouble and not sure which way to turn.

    Thankfully I can now see the 'light' at the end of the tunnel.

    Good luck with that.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others

  7. #7
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    Thank you


  8. #8
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    hi
    first direct have replied with

    "thank for your letter of 7 july 2009.
    i note that despite our numerous letters asking you to provide a valid signatureicon to enable us to authenticate your request,we continue to receive correspondence either unsigned or with an invalid signature (i printed my name).
    failure to provide the required information will result in any furture correspondence being destroyed without responce,as we would be unable to fulfil our obligations under the data protection act.
    yours sincerely
    janet brook"

    WOW! so if i dont send a signature in ms brook will bin all future letters!
    do i report FD to information commissioner now?
    just to clarify, i have offered to go to a branch of HSBCicon (fd & hsbc being one and same) with passport in hand, i have been corresponding with numerous debt collectorsicon acting on behalf of fd for 3 years, i have been paying a nominal amount to fd from this address for 3 years.
    i think fd have been banging on charges left right and centre and i dont think they have a valid signed agreement.
    the debts in question are a loan, credit card and overdrafticon.
    would appreciate any feedback
    thank you


  9. #9
    Site Team maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    I am in
    Edinburgh
    Posts
    19,609

    Default Re: first direct wont send SAR/data protection without signature

    Hi,

    Looks like, janet brook's not to happy with you

    Have you seen this...............

    http://www.consumeractiongroup.co.uk...php?f=24&a=162

    Maybe worth a punt for £4

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others

  10. #10
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    hi scott
    thanks for the post but i cant open the link. Is there another way to view the page?
    thanks


  11. #11
    Site Team maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    I am in
    Edinburgh
    Posts
    19,609

    Default Re: first direct wont send SAR/data protection without signature

    Try this............

    http://www.consumeractiongroup.co.uk...lsignature.php

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others

  12. #12
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    thank you scott, all done.
    do you think this is absolutely secure?


  13. #13
    Site Team maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52 Authoritative maroondevo52's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    I am in
    Edinburgh
    Posts
    19,609

    Default Re: first direct wont send SAR/data protection without signature

    Hi,

    Don't think we'd advertise it if it was'nt.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
    Help keep it up and active, helping people like you.


    If you no longer require help, please do what you can to help others

  14. #14
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    Me_Too Novitiate Me_Too's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2008
    I am in
    Herts
    Posts
    120

    Default Re: first direct wont send SAR/data protection without signature

    Quote Originally Posted by maroondevo52 View Post
    Hi,

    Don't think we'd advertise it if it was'nt.

    Regards.

    Scott.

    Hi,

    I have had the same problem with the lady you mentioned, it took me 4 attempts to attain my DPA info in the end. You DO NOT have to send you signatureicon to the lady in question . I believe these are delay tactics used by FD.

    If you would like me to send you details on my letters, upon which they did eventually supply my DPA notes then please contact me directly - I don't wish to add the letters here as then FD would know my identity (and I still have outstanding issues with them and their DCAicon (Metropolitan) & DG chasing me when the account is in disputeicon!).

    Don't give up! I had a perfect account history for over 15 years until I became disabled and unable to work. The vultures were relentless after just 3 months, making my illness worse. I won't let them get me down, and neither should anyone else. We just have to stand up for our rights!


  15. #15
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    ok, letters have hit the mat from fredrickson so have bitten the bullet and sent ms brooks a letter with a secure signatureicon.
    lets see what happens (am a big time conspiracy theorist, and am bracing myself, lol)


  16. #16
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    quick update, reply from Fd says that they have contacted information commissioner and have been told to quote sec 7 para 3 data protection act, which states, in short, they have the right to satisfy themselves of who I am. She is also saying that i have not supplied a valid signatureicon, although i did send the last request with a security signature.
    i'm going to write a letter to the information comm' stating that i have sent a signature, albeit one on a security strip,i have offered to collect from a branch with a passport and confirming that i have been in contact with a DCAicon for past 3 years and paying instalments for that time.i'm hoping he'll contact Fd & give them a kick up the you know where. i'll also send a copy to Fd & see what happens.
    if anyone has anymore ideas, i'd appreciate your input


  17. #17
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    ok, complaint form finally completed, (4 attempts to send web complaints form timed out, changed all formats of letters to attach, then changed back again to print!total 5 hours 35 mins!yey!)sending by post today with all correspondance with Fd.
    also sending a copy to Fd


  18. #18
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    iseo94 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    36

    Default Re: first direct wont send SAR/data protection without signature

    Hi all
    I received a standard aknowledgement letter from the commissioner re complaint on 3 september and a letter from fredrickson stating that they are putting case on hold until they are in receipt of instructions from their client (first direct) back in August but i've received nothing from first direct.
    has anyone got any suggestions?
    should i go for court order forcing disclosuer pursuant to cpr31.16?
    i really want to keep up the momentum, anyone's thoughts would be greatly appreciated.


  19. #19
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    HeftyHippo Informative HeftyHippo Informative

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2009
    Posts
    843

    Default Re: first direct wont send SAR/data protection without signature

    news?

    has the ICO done anything?


  20. #20
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    dodda Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Oct 2010
    Posts
    4

    Default Re: first direct wont send SAR/data protection without signature

    I am also experiencing the same problem with two banks I have sent SARicon requests to. I sent off the letters on 02/10/10 and received a reply yesterday and today asking for signatures. I use a different name to what the accounts were held in and live at a different address but sent them a copy of my old passport (in the name the know me) decree absolute and birth certificate. Can anybody help with a template letter or legislation I can quote to go back to them please?



Browsealoud
Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE