Capquest/Abbey/MBNA & Bankruptcy Notice Again.....

[waynehowes]

Hi All,

 

Some of you have been helping me with a debt from Capquest, as suggested I asked for a copy of my credit aggreement. Well today I received it, well a tiny part of it (I think), this can be found attached. What I am wondering is, have they sent me the correct information, there just does not seem enough.

 

As well as this I received a copy of my most recent terms and conditions, the thing is these have my new address and not the address which I was at when I took out the agreement, these are on MBNA headed papers.

 

To top it all off they also sent me a copy of someone else's agreement!!!!

 

Thanks in advance!

 

Wayne

[Tingy]

Hi All,

 

Some of you have been helping me with a debt from Capquest, as suggested I asked for a copy of my credit aggreement. Well today I received it, well a tiny part of it (I think), this can be found attached. What I am wondering is, have they sent me the correct information, there just does not seem enough.

 

As well as this I received a copy of my most recent terms and conditions, the thing is these have my new address and not the address which I was at when I took out the agreement, these are on MBNA headed papers.

 

To top it all off they also sent me a copy of someone else's agreement!!!!

 

Thanks in advance!

 

Wayne

 

Does the other persons agreement clearly identify them - name & address?

[Bazooka Boo]

IMO although a little biased, that does not confirm to your request for a number of reasons.

But most importantly if they have sent you someone else's agreement, then you MUST report them to the ICO for such a massive breach of personal data, http://www.ico.gov.uk/complaints.aspx

 

Also inform the other person that you have received their info and that they should make a formal complaint about them to the ICO also.

[waynehowes]

it certainly does!!!! Its a carbon copy of mine, but with there address and monetry amounts!!!

[waynehowes]

I'll get a letter off to the other person and put in a complaint.

 

The credit aggrement that I signed does does have and credit limit stated on it, or APR rates. The other document is definitely not from when I signed the agreement, although this does state the credit limit etc.

 

So what do you all think?

 

Thanks

[Tingy]

IMO although a little biased, that does not confirm to your request for a number of reasons.

But most importantly if they have sent you someone else's agreement, then you MUST report them to the ICO for such a massive breach of personal data, http://www.ico.gov.uk/complaints.aspx

 

Also inform the other person that you have received their info and that they should make a formal complaint about them to the ICO also.

 

Stop pinching what I was going to say! That's why I asked if they were clearly identifiable!

[Bazooka Boo]

Yes sorry post crossed, I type with my elbows most days,

[Tingy]

:lol:

[waynehowes]

So do we think this may be enforceable or not?

 

lol, I'm hoping not!

 

Wayne

[Tingy]

Regard less of whether or not this is enforceable, we need to know what the one you actually signed was like (what year was it signed?)

 

I'd send a letter saying thanks but not good enough, can they supply a copy of the original.

[Bazooka Boo]

A CPR request might be in order, but wait until they have begun to threaten you with 'legal' or 'court' action before sending one of those, besides, there is diddly squat going to happen between now and next February, January at the earliest!

[citizenB]

You mention Bankruptcy notice in your title, have they actually threatened this ?