Dca Looking For My Passport Before Sending Out Agreement

[nathal]

Sent of CCA request for copy oif agreement on 15th August.

 

Time was up then started hassleing them to remove default etc.

 

Rang today saying received copy of agreement, but need passport/ copy of my signature to confirm my soignature.

 

What do you make of that???

[NailPost]

DO not send them anything. It is their responsibility to prove you are who they think you are. The debt collector - who is it by the way - are in default of their obligations under the CCA for having failed to provide you with documentation. Indeed after this amount of time it means they have committed a criminal offence with a fine not exceeding £2500 awaiting them before magistrates not that it will get to that stage.

 

If they are playing silly beggars just ignore them but report the **** instead to the Info Commissioner for mishandling your data. They are clearly unsure of your identity but that hasn't stopped them issuing a default. Check that the default hasn't been issued twice, first by the original creditor and then "renewed" by the debt collector. That's illegal and actionable for defamation.

 

Copy the IC correspondence to the OFT and ask if the debt collector is worthy of its Consumer Credit licence. Insist on a reply.

 

You can have a lot of fun now because the boot is on the other foot.

 

Go on tell us which debt collector is making a hash of the rules again!

[stiffnuts]

It is important that you dont mix up the DPA and the CCA. I believe that with a section 7 DPA request that they are allowed to verify your identity(not an expert on DPA matters so please correct me if Im wrong).

 

In terms of a CCA request I dont have a clue why they would ask for your passport

[alanfromderby]

As your request was under the CCA then it is for them to prove that you owe the money - certainly they have no right to demand proof of who you are...they should know!!

 

The CCA has nothing to do with the Information Commissioner. Any complaint should be addressed through trading Standards.

[Jimbo44]

In addition to what's been already been said in answer to your post, I'd be very suspicious of anyone asking for a copy of my signature to verify who I am.

 

What's to stop them forging your signature on a blank document? Or am I just a naturally suspicious person?

[alanfromderby]

In addition to what's been already been said in answer to your post, I'd be very suspicious of anyone asking for a copy of my signature to verify who I am.

 

What's to stop them forging your signature on a blank document? Or am I just a naturally suspicious person?

 

I would totally agree.

[edinburghbeerbucket]

I would totally agree.

 

Me too. And, as has already been pointed out, they should already have verified your identity themselves before sending out any letters. Write back and point this out to them.

 

Don't sign your letter, though!!

[Jimbo44]

Me too. And, as has already been pointed out, they should already have verified your identity themselves before sending out any letters. Write back and point this out to them.

 

Don't sign your letter, though!!

 

.....or, alternatively, change your signature so that you can tell straight away if someone has copied the 'new' version.

[alanfromderby]

.....or, alternatively, change your signature so that you can tell straight away if someone has copied the 'new' version.

 

 

 

Nice!!

[nathal]

Fly buggers...

 

All these thoughts had been running through my head. Was more of the opinion to sit back, with feet up and see how this progres.

 

Would be interesting, to see will they try and inforce it now.

Is it likely that Barclaycard havejust written ti them, stating they cannot find the agreement, and this is whats brought this on....?

[Switch]

In addition to what's been already been said in answer to your post, I'd be very suspicious of anyone asking for a copy of my signature to verify who I am.

 

What's to stop them forging your signature on a blank document? Or am I just a naturally suspicious person?

 

With all my correspondence to the DCA's I have used a different signature, its not too unlike my real one but there are little differences that i will be able to spot.

[ATI]

Never ever send or give your IDs to any of those scumbags. they are thieves and will 100% defraud in order to receive payment. Never give out your A/c or Credit card number because they would steal your money without your authorisation I have seen it many many times. the way it works is like this

they enter payment and sometimes fake CV2 and the system would allow it to go through but because the advisor would process 1000s if 10 or more are fake his boss will most probably tell him to be careful and you would be left to fight for a charge back. I knew a guy who managed to do it this way and he got 100.000 pounds collection in order to get a bonus etc.....

the other thing is that they would simply click on Direct debit and iot would be authorized. if you complain they would say that you called them and authorised it .if you ask to listen to conversation they would say it is only recorded randomly for training purposes

 

PLEASE NOTE THAT THE VIEWS EXPRESSED IN THIS POST ARE THE PERSONAL VIEWS OF THE POSTER.

[nathal]

Seems like a real can of worms.........

[Suzy H]

OMG ... I have signed ALL my DCA letters

.

 

I have not been asked for proof of id YET but I am now praying for the 17th when the debt becomes 'unenforceable' - I never even thought of them forging my signature aaarrrggg - oh man!!! .

 

Ah so old yet still so wet behind the ears

[Jimbo44]

OMG ... I have signed ALL my DCA letters

.

 

 

 

I have not been asked for proof of id YET but I am now praying for the 17th when the debt becomes 'unenforceable' - I never even thought of them forging my signature aaarrrggg - oh man!!! .

 

Ah so old yet still so wet behind the ears

 

I do actually have a 'second signature' that I have used once or thrice on those occasions when I don't wholly trust the recipient.

[Suzy H]

Oh my goodness Jimbo44 - you are clever

 

However, I have learnt my first valuable lesson of the day. Granted i'm going to have a couple of sleepless nights with worry but live and learn and I guess I won't be so trusting (OK ... DAFT) again .

[alanfromderby]

Please don't let paranoia take over.

 

For one minute I could not see a company trying this, since it could very well bring the whole company down - not just lose them a few grand, which they may not even manage to collect anyway.

[Guest Zooman]

bottom line here is they have sent you a reasonable request and I would not expect any judge to uphold the CCA request until you send it.

 

Your choice but if you do not send ID do not expect to have the protection of the CCA.

[NailPost]

Zooman's comment is completely unfounded.

 

Nathal has made a CCA request for douments held by a debt collector. It is their responsibility to comply without conditions. The CCA makes no mention of the requestee providing identification details with the request. The requirement for identification smacks of desperation on the part of the debt collector who is now playing for time.

 

Nathal, don't give in, stick to the timetable set by law. If they default report the ****!

[nathal]

I agree.

 

I should not have to show id. It was actually a copy of my signature they are requesting.

 

I am aware that you do have to sometimes show id for a dsar, which is acceptable.

[Guest Zooman]

Zooman's comment is completely unfounded.

 

Nathal has made a CCA request for douments held by a debt collector. It is their responsibility to comply without conditions. The CCA makes no mention of the requestee providing identification details with the request. The requirement for identification smacks of desperation on the part of the debt collector who is now playing for time.

 

Nathal, don't give in, stick to the timetable set by law. If they default report the ****!

yes what a good plan and I know nothing.

[handyandy]

and I know nothing.

 

Correct:rolleyes:

[MARTIN3030]

Ashley is right.

 

He is asking for data held,albeit not a request under the data protection act but nevertheless still subject matter.

 

section 7.(3) a of the data protection act states that they are not obliged to release data if they cannot reasonably be sure of the identity of the person requesting the information.

 

Maybe there is nothing under the 74 CCA act,

But they could certailnly argue the toss under this one.

[handyandy]

Ashley is right.

 

He is asking for data held,albeit not a request under the data protection act but nevertheless still subject matter.

 

section 7.(3) a of the data protection act states that they are not obliged to release data if they cannot reasonably be sure of the identity of the person requesting the information.

 

Maybe there is nothing under the 74 CCA act,

But they could certailnly argue the toss under this one.

 

So what your saying is that they can put a default on your file without being 100% positive its you but cant release the credit agreement unless you prove its not you

[Guest Zooman]

why argue with the law and just send the bloody ID, and achieve goals, you guys may want not to send it on princeable but princeable means jack all in the law, I am a DATA CONTROLLER at work and I can tell you now there Data Statement will have this in it and they are acting well within the law asking you to prove who you are before they send anything.