Sent a request for copy of CCA and had response -advice please RBOS

[Wheretostart]

Sent off a request for the CCA to Capquest as they are acting on behalf of RBOS as per attached

Have had a reply saying that their client requires a signature to release the documents

 

Call me suspicious but if I send off the request with my signature what is to stop them scanning it and using it on a blank CCA

 

Can anyone give me some advice please

[postggj]

Dear Sirs,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2009 in which you say that you will not comply with my request dated xxx under s.78(1) of the `Consumer Credit Act 1974 unless I provide you with a signature.

 

There is no requirement under the Act that require a s.78(1) request to be accompanied by a signature, and I am unable to accede to your request.

 

Further, I note that you have sent statements and correspondence containing sensitive private information to me at same address as that detailed in my s.78(1) request. If you are concerned that you are corresponding with the correct person I wonder why you have not verified the information before.

 

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. The time to confirm my identity was before you sent your first threat letter.

 

My request for a true copy of my credit agreement under section 78(1) was made on xx/xx/2009 and the 12 working days for your compliance expire on xx/xx/2009. 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.

 

Please now comply with your legal obligation without further delay.

 

Regards

[Wheretostart]

Thanks for that I will get that sent off tomorrow

I was tempted to sign the letter using a completely ficticious signature and send myself a copy with an accompanying letter stating that it was not a true representation of my signature and that was just being used for complying with their request making sure it was sealed and sent recorded delivery so that if it came back using this new signature I would have proof that it was not genuine

[Wheretostart]

Received the attached letter today saying they had referred it back to RBS and that I should get in touch with them

Do I just wait for them to contact me now and leave it in their court

[IdaInFife]

yes just wait for them or see what other chancers they send it too

[Wheretostart]

Thanks Ida

[DebtGuru]

Never sign anything. Some creditors will copy your signature on an agreement. Always digitally sign letters using your favourite font from your office package.

 

My favourite is when they call you at home on your own phone which is for your private use as you see fit and ask you to confirm your identity - brilliant!