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MinnieMia

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  1. Thank you for your advice. Is there a specified format or template or shall I just draught something around your advice (which I am happy to do)? I am very grateful for all the advice so far.
  2. Hi, I have put all the emails and attachments together. there have of course been the regular threatening paper mail standard letters and texts. Probably phone calls but I have blocked their number. I t is the email on the 28/8/19 I probably should have paid more attention to. I thought they were just phishing for accounts randomly as apart from 2 HBOS accounts and MBNA, haven't had dealing with any of the others like Santander and HBSC. any advice you can give would be appreciated. Think I've done it now Allay 2(1).pdf
  3. Thanks for being so quick with a response. Yes, I assumed they would keep any award made to me which is why I wouldn't have bothered to pursue it. Does their email constitute a proper response to an SAR request or can I ask for more info.
  4. Hi, (sorry for the long intro but I feel I should 'set the scene') I wonder whether anyone could advise re email I received from Allay Claims. I have usually completed any PPI claims myself but there were two accounts that I could not track down and initially asked Allay to look into them, however (and to be honest, I am not sure how but I assume as near to deadline) I agreed to them looking in to an old HBOS account. They emailed me a couple of times re an update with HBOS but I didn't receive an outcome. I did receive a letter from them stating they had been successful with Capital One. I had a capital one card many years ago and fell out with them regarding late payment fees and their inability to help me until I returned to work. I subsequently (stupidly maybe) defaulted on the account and it would have now probably been statute barred. I would never have agreed to Allay contacting them purely because I know there would be no point, any money they were successful at acquiring, Cap One would keep against the balance owed to them. I queried this with Allay and they sent me a copy of the letter from Capital One and also a copy of a form 'signed by me' giving them possession to contact Cap One. It is definitely not my signature. I decided to SAR them to see what information and paperwork they had relating to this and have received an email from them today attaching the same two documents as before, a copy of their invoice and the letter I sent to them re the SAR. The email is lengthy, telling me they are a legitimate company, stating they would only contact third parties with my permission, how they would never forge signatures (I had not suggested to them they had) pointing out how I might have contacting them, what web site i might have used and how I had signed an electronic form (I honestly don't remember signing one but maybe I did but anyway, I work for a living signing electronic forms and am quite good at my signature) . They carry on to explain my obligations and that they have a complete audit trail of my signature etc (which they haven't provided but could provide if I asked - I thought I had with the SAR) My question is, can I insist on paper version of the SAR and surely they must hold more information than this. They were emailing me about HBOS an Santander accounts so there must be details relating to this not to mention the audit trail they mention for proof of signature. Would it be useful for me to contact Capital One with SAR seeing as I am guessing Statute Barred with be no more.
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