CCA Requests returned by Egg as my letters aren't signed!

[wUK]

I have just recieved my CCA Requests and Postal Orders back from Egg (by standard mail), the letter says:

 

Egg Card CCA Requests

 

Dear XXXX

 

Thank you for your recent request for copies of your credit agreements. However we note that the letters enclosed are not signed.

 

Egg places paramount importance on the security of your personal data therefore we can not proceed with your request until we can successfully match your signature.

 

Please sign and return the enclosed at your convenience.

This is ridiculous; they know who I am as they have my address and the correspondence would be sent here anyway so I think they're being shifty and trying to get out of suppying the CCAs or they want a copy of my signature for whatever reason!

 

I don't have to sign a letter (and shouldn't from the advice on these boards) to obtain information posted to my home address!

 

What should I do about this?

[simb]

I suppose reply along the lines of they have failed to comply with a lawful Sec 78 cca request? and you will pursue it as such until they do supply all the information requested.

 

State that if security conscious they should send the documents by recorded, signed for delivery..as you have done to the name and address of yourself, that they have on record. You will then have to sign for the paperwork, of which royal mail will then have record of

[wUK]

I've had a number of threatening letters from Moorcroft and more recently from solicitors with regards to my Egg account.

 

Egg have sent nothing to me since this went on but today out of the blue I got a rather odd letter from them:

 

Dear wUK

 

If you still require a copy of your Egg Card agreement please confirm this in writing.

 

As Egg places paramount importance on the security of your personal data, you'll need to sign the letter you send back to us.

 

I hope to hear from you soon.

 

Is it me or does this sound a bit fishy?

 

Should I respond to this letter and if so how?

[wUK]

Minor update on this.

 

I received a letter from Moorcroft today with the usual lucky-dip headings they use - "Pre-Court Division" in this case.

 

The letter reads:

 

Dear wUK

Re: Egg Banking PLC

 

Further to your recent correspondence, I write to confirm that we are no longer dealing on the above account.

 

It's all in uppercase as well which always annoys me.

 

Anyway; the thing is they have had no recent correspondence from me as I have been communicating only with Egg and have been ignoring their stupid letters.

 

Is this just another one of their pathetic scare tactics or are they finally just shutting up and leaving me alone?

[silverfox1961]

Hi,

sounds like the don't have any paperwork for you and have handed it back to Egg.

[maroondevo52]

Hi, wUK.

 

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

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2007 the contents of which are noted

 

In your letter you make reference to requiring my signed authorisation 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 S78 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 the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.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 matter.

 

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 78 was made on xx/xx/2007 and the 12 working days for your compliance expire on xx/xx/2007. 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.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully,

 

 

Either that, or sign the letter but put a line through it or add a couple of extra bits, so you would know if it had been 'lifted' at a later date.

 

Regards.

 

Scott.

[wUK]

I sent a letter to Egg to that effect a while back and it seems to have been completely ignored.

 

I have heard nothing about this since then apart from this new letter from Moorcroft.

[maroondevo52]

OK, Egg seem to be doing this all the time now, I'd just sign it, but make sure you'd know if it were 'lifted'.

 

Regards.

 

Scott.

[wUK]

Is it likely that Egg have the CCA then (have others obtained a copy after this kind of thing) or has this just started to happen?

 

It does seem that Egg have something to hide if they are being purposely obstructive though.

[maroondevo52]

Hi,

 

Do you want this thread shifted to the Egg Forum, you'll probably get more help in there.

 

You can also have a good look at Egg threads, I'm sure there's loads like this.

 

Regards.

 

Scott.

[wUK]

Yes please; I didn't know there was one

[maroondevo52]

Thread moved.

[rory32]

Have you reported them to the ICO re wanting a signature?

 

Is this just another one of their pathetic scare tactics or are they finally just shutting up and leaving me alone?

 

You shouldn't hear from them again.

[rory32]

Personally I wouldn't sign any letter to them. I don't trust them at all.

 

What type of account is this e.g. credit card, loan?

[wUK]

Have you reported them to the ICO re wanting a signature?

 

No; I haven't - how do I go about it and is it worthwhile?

 

Personally I wouldn't sign any letter to them. I don't trust them at all.

What type of account is this e.g. credit card, loan?

 

I have no intention of signing anything whatsoever; I'm not required by law to provide them with a "sample" so I'm not going to anytime soon.

 

It's both an Egg card and an Egg loan.

[Series3]

I sent them a letter with my reasons for not signing to their letter to me asking me for a signature.

Today I get more or less the same letter from them asking me for a signature again. They also sent me my postal order back again with the letter I sent them.

Again on the letter they ask me to sign.

In the last bit they tell me it's not required by law????

 

Are they just playing letter tennis or what?

[rory32]

No; I haven't - how do I go about it and is it worthwhile?

 

It will take a little while but often it is worthwhile. The link on how to contact then is here Redirect Notice

 

The Egg card is likely to be non compliant with the Act.