Hamptons legal getting my credit file

[sorrylittlelot]

Shamone,

 

I got two letters today exactly the same from Hamptons, one is for a credit card debt (HSBC) and one for an overdraft (Barclays), a copy of the letter is posted below.

 

This morning I sent a CCA and a SAR to the HSBC and Barclays respectively, I was wondering what if any action I should take in regards to these letters?

 

Thanks in advance peeps.

 

http://i682.photobucket.com/albums/vv188/sorrylittlelot/scan0004.jpg

[PGH7447]

I would write back and state that you have not given them permission to investigate your credit file and that such actions would be deemed contrary to the data protection act and that you will report them to the relevant authorities

[sorrylittlelot]

So they have no legal right to do this? I'm afraid I don'y know anything on this area.

 

I am going to Email them but obviously I want it to have substance, hence I am asking the good folk on here

[mr.ton]

Loads of if's & could's in that letter

No they do not have any right to obtain your credit file - only you have this & it would break data protection laws if they do.

No doubt their best buddies in the CRA's will give it to them though.

Make it clear to them that any actions not authorised by yourself or by a county court will result in official complaints being made to the OFT & trading standards.

Its worth pointing out that Hamptons are Lowells & are in fact usually full of hot air

[sorrylittlelot]

Yeah I love Lowell, they have all the disguises they have, like Hannibel from the A-team,

 

I am composing my email now, am I the only one who likes arguing with them?! specially as they are normaly wrong

[mr.ton]

www.howtocomplain.com is better

[sorrylittlelot]

ahh I have used this before to complain about a pub, it is good

[mr.ton]

Use that site to complain to Lowells direct & even all the official authorities etc....

[sorrylittlelot]

via regulatory bodies link - trading standards?

[mr.ton]

Yes there are loads of different sections on there.

There is a search box facility on there as well.

Just find whats relevant to what you are complaining about (i.e Lowells/OFT/TS etc.....) & fire away

[sorrylittlelot]

i have fired away and emailed hamptons, no reply tho

[mr.ton]

You wont get a reply straight away & on most occassions you'll be lucky to get a reply from anyone at all.

The more bigger/official the authority you are contacting, the more chance of a reply - ive had a few replies myself from it.

Ive complained to a few DCA's on there & had follow up replies in the post.

Its a case of hit & miss/luck of the draw really.

[dannyboy660]

Just do nothing.

 

It's far better to let them dig an enormous hole for themselves.

 

If they start digging in your credit file and effectively holding you to ransom and forcing you to pay a debt you may or may not legally owe, just let them do it. It will be recorded.

 

Ignore them. Sit back and see how far they are prepared to go.........and if/when it affects you in a serious way - KICK THEM AS HARD AS YOU CAN.

[sorrylittlelot]

I'm ready to kick lol, they have not responded to Email so just writting a formal letter

[sorrylittlelot]

hi, i followed the advice given in post num 2 etc and received this reply today

 

http://i682.photobucket.com/albums/vv188/sorrylittlelot/scan0001-4.jpg

Edited August 5, 2009 by sorrylittlelot
spelling

[PGH7447]

OK they have shot themselves in the foot here, they claim in the letter they have bought the accounts, so why then are they saying that they are requesting the agreement from their client??

 

cant have it both ways, write back and highlight this very;) slight oversight. and then request their complaints procedure

[sorrylittlelot]

would i also be correct in saying hamptons is part of lowell? so they bought the debt from themselves?

[sorrylittlelot]

so how should i reply, just say they should have this as they bought the acount?

[PGH7447]

DId you get a response to your CCA request?

 

Also if they do not have the agreement to hand ask them what gives them the right to search your files. Without this anybody could claim to have "bought" the account.

 

Try this

 

Dear Cretin

 

I note from your letter dated 4 Aug that you state you have Bought this account, yet in the next paragraph you state that you are contacting Your Client for the agreement, Sorry but which part of bought and client do I not understand.

 

As of this moment My request for an agreement is outstanding and until you CAN PROVE that you are the LEGAL Owners of this alledged Debt I hereby REVOKE MY Permission for you to attempt to access my PERSONAL DATA from any third party.

 

If I discover that you have ignored my wishes I will report you and any company you choose to be known as to the OFT and Information Commisioner.

 

If you do not understand this letter then I strongly suggest you get Legal Aid

 

I await your response and Note the time to process a CCA Request is 12 days, after this time the alledged debt is in Serious dispute, and any further attempts to enforce collection will be vigourously defended.

[sorrylittlelot]

got standars template letter saying ther looking for my cca and will send it in due course etc etch

[sorrylittlelot]

i have sent it via the office of post, although i did change it a little - i used sir/madam instead of cretin lol

[The GodMother]

lol its normal for us to use dear cretin as they are cretins.