Hello

I SAR'd VODAFONE for a debt that is on my credit file that i believe is not mine.

I asked for SAR but they are asking for proof of my ID and address etc.

I have only ever lived at one address, i told them that the credit file and the information they have put on the CRA's is the same as the address they are sending the SAR, but now the time has elapsed for them sending this to me.

I don't want to send them any ID as I know they don't have my ID and won't send me any contract or nothing.

There also sent it to a DCA, and I SAR'd them, they said its taking longer than expected, outwit the time limit and said will get back to me in a month or so

- probably because they don't have any information from vodafone cos the contract and debt is not mine.

Can anyone help me out?

thread moved to the telecoms forum..its matters not your are in Scotland.

send voda a copy of your CTAX bill.

they are entitled to something.

even though your are in the same address.

has this been SOLD to a DCA [ie they now show on your credit file]

or only chasing whereby voda are still named as the DCA's client on their letters?

whens the default from?

Ok, I will send them a bill and see what happens.

In terms of the default from VODA - Lowells bought it, they put the default on, when I DSAR'd them, they came back saying they can't comply and need more time as they are busy! . They probably have zero information from VODAFONE and just put a default on because they can.

All 3 CRA;s lettered, response was that their clients information is correct.

debt buyer cannot default a debt.

only the OC's can.and they would have done that upon sale.

Well it is showing on my credit file as a default by Lowells. When I SAR'd them, they came back asking for info, then a week later saying due to the amount of requests it will take them a little longer, so I am still waiting.

I will write to them stating as such and unless they remove the default or comply with my SAR, I will take further action. Can I take them to a small claims court and ask the judge to instruct them to remove it?

They did not file the default the OC did as they must when they sell a debt on

The buyers name then replaces that of the OC on your files

Hi

we seem to be deviating from the main point. It is your contention that this is not your debt. Have you ever had a VF account? If not then Vodafone-not Lowell could end up in trouble

VF are very strict on releasing data and I'm afraid an old council tax bill won't be enough. For them to release data they will want proof of ID, proof of address and an old utility bill as well as a new one (this helps confirm how long you have been at the address)

If you fail on any point they could rightfully refuse but on the other hand, if you did provide proof and they still refused by saying you had supplied incorrect proof then that starts the ball rolling on getting VF to acknowledge they have the wrong person. Once it is confirmed they have the wrong person, they are then open to a claim for accessing personal data without good reason. They are obliged to get their facts right before a debt sale unless Lowell have done the search and got it wrong.

As for Lowell, they didn't place the default, VF did and when it was sold to Lowell, they just replaced the VF name with their own (which is legal as they now own the debt) If you are 100% this is not your debt, you should write to Lowell (never ring them unless you can record the call) telling them that this is not your debt. As mentioned above, if it is Lowell that have searched to Credit Reference Agency files and got the wrong person, they are open to a claim.