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    • Okay so potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
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SAR Request


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There is much argument about this I recently asked the ICO for a definitive

answer to this and there is not one.

It depends on the view of the data controller as

to what is personal data, the can supply, they

may not supply it and may direct you sect 77/78 of CCA 1974.

I suggest doing both.

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Ok Thanks

I should of mentioned that this is now with a DCA, but after reading some threads it seems if you send a CCA to the DCA ( lol i think there could be a song there) they usualy write back saying they will ask the originator for it.

 

Do you think its better to send the CCA to the credit company or the DCA?

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Always the CCA goes to the DCA, the SAR to the original creditor,

when debts are sold it is with the minimum of data so if the agreement

has not been included then they must pass the request on.

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my view is that an original agreement would be personal data as defined as ordinarily it would be a document in a relevant filing system etc with a persons name/address etc on it, ie identifiable+related. as the ico say themselves; post #193 here http://www.consumeractiongroup.co.uk/forum/showthread.php?305755-Robinson-Way-\-Harwich-Farrelly-issue&p=3586658#post3586658

personal_data_flowchart_v1_with_preface001.pdf

ironically, a cca request does not now require that an actual copy of an original agreement be provided even if there is one (whereas a sar would!). a reconstitution would suffice provided it is accurate. (although it would seem unreasonable under a cca request not to send an actual copy if they have one. and they usually do if there is one. and under a sar there would not be the same effect following non compliance) but, yes one should be sent if there is one.

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The ICOs reply for a ''definitive'' answer was basically there is not one.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So would a SAR to a DCA only be of use to show harassment/dates/ownership/who sold to them?

Or are there any other uses?

Would I also be right in saying given the nature of DCAs they would be very economic with details in their reply?

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The ICOs reply for a ''definitive'' answer was basically there is not one.

 

yes, you said.

 

seems clear to me that it would be p data, following the ICO's own technical guidance/flow chart re 'personal data' linked above. (of course, if a particular original 'agreement' is not 'identifiable' eg (which is unlikely), then it would not be data as defined subject to a sar! not much odds though, as if there is one it will usually be sent at some point in either case)

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