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Just an update. CCA sent to Lowell's 17th May 2022 with £1 postal order - Still awaiting reply. Today I have received a reply from Vanquis in respect of my GDPR / SAR . Request for statements declined unless I pay £5 for each? They have sent a printed copy of account statement but I wanted to check for charges on the account. They also declined request for telephone conversation details apart from supplying some notes. They have also sent the following: 1) 2 screen pages of a Digital Signature Application under my old account number (no signature). 2) Detailed copy of transactions which include various billed finance and deferred charges. 3)Telephone file notes but majority I do not remember receiving and seems that they were contacting an incorrect number? These include limit increases that went from £1,000 to £3,000 4)Customer Notes & key to Abbreviations 5) Various copies of letters (not letter headed) in which majority I never received 6) A bad copy of Notice of Default dated 22nd September, 2017 with a photocopy of terms & conditions / Credit Card Agreement details with my printed name next to Signed by? also dated 21st November 2013. Again I cannot remember or locate receiving the original. Is there anything else I should have received and is that correct regarding full statements? I cannot find anything regarding APR being paid on the account or whether it has increased from date of purchase? Just a recap account appears as defaulted 30/01/18 on my Credit File. Notice of default letter dated 22/9/17 Notice of Sums in Arrears letter dated 15/11/17. Account number was changed in November 2014 due to what looks like fraud on the account but no letter details enclosed explaining this? Any further comments would be appreciated as to what to do next.
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Freedom of Information Act isn't the correct method, that's for obtaining information that should be made available to any member of the public. You want information personal to you, which wouldn't be disclosed to anyone else. Or shouldn't. This would be a Data Subject Access Request under the DPA 2018. FOI only applies to public bodies in any case.
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Well use our pro rata letter from the dca section of our library that puts rhem on notice they will only get xxxx if they freeze int and charges . using Credit is a bad way to keep living day to day. or investigate the breathing space scheme. You must take control. Dx
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By Strawberry_candy33 · Posted
It hasn’t reached that point. I’m at the limit of them and can’t seem to escape the limit as explained before. -
If you are paying a dca on any debt they own, cca them. £12 penalty charges are unlawful, reclaim them Dx
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