Dca Looking For My Passport Before Sending Out Agreement

[edinburghbeerbucket]

Hi Nathal,

 

I've read through the whole thread, and people seem to be split on whether the DCA are correct in asking for your sig (or indeed any ID) when you sent your CCA.

 

There seems to be no doubt that if it was a DPA SAR they could reasonably request ID.

 

My inclination is to suggest that you err on the side of caution, and follow something similar to what Tamadus has suggested. In your letter to them, you might want to include something like:

"I am not comfortable distributing documents of such sensitive nature. As a responsible debt collector, I'm sure you are aware of the implications should this information land in the wrong hands."

 

That should let them know that you know what they're up to, without saying "you're a big fat DCA, so no chance are you getting my sig!".

 

Good luck with it, mate!

[ATI]

Do you know of any specific instances of this happening ?

 

I only ask, as there is only two ways to set up a DD and that is either send the mandate to a bank to be processes or via AUDDIS (Automated Direct Debit Instruction System.

 

If a DCA have set a direct debit by sending an unathorised mandate then this is fraud and the person should report this to the Police.

 

If it is set up via AUDDIS (I am not aware of any DCA's using AUDDIS), under the direct debit guarantee the person, can claim their money back.

 

Either way, it would be fraud and thus a criminal act

Yes i have proves that DD were set up without conscent and the bank paid them and even refused to refund them until it went to complaint department.

Also i have vivid prove that many payments were taked from CC without authorization and the excuse was oh well the debtor called and paid them by phone and the funny thing is the Cv2 is needed to authotise payment but the those cv2s were kept secrect for future use

[Number6]

Hi Nathal,

 

I've read through the whole thread, and people seem to be split on whether the DCA are correct in asking for your sig (or indeed any ID) when you sent your CCA.

 

There seems to be no doubt that if it was a Data Protection Act S.A.R - (Subject Access Request) they could reasonably request ID.

 

My inclination is to suggest that you err on the side of caution, and follow something similar to what Tamadus has suggested. In your letter to them, you might want to include something like:

"I am not comfortable distributing documents of such sensitive nature. As a responsible debt collector, I'm sure you are aware of the implications should this information land in the wrong hands."

 

That should let them know that you know what they're up to, without saying "you're a big fat DCA, so no chance are you getting my sig!".

 

Good luck with it, mate!

 

I would tend to agree with the above course of action.

 

Pete

[nathal]

Edinburghbeerbucket, thank you, and thanks to you all.

 

I will send them a letter todat advising them of this, and will keep you all posted when they reply, or should i say if they reply??????????

[sequenci]

hi guys,

 

i just spoke to my boss (who is a senior specialist money advice worker type) and he thinks there is no provision within the CCA for the dca to request this info at all. I can appreciate that they want to ensure that they have the right person, but why would they be bombarding the wrong person with millions of letters and calls

 

i might take a wander to our library at work and see what it says in the goode book about it all later

 

edit: just looked in the book and there is nothing in place.

[Turnaround]

As they have writen to you before then, in the words of "SurleyBond"

 

"However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable."

 

I've never had to send anything after using the above

[FANTASY CHARGES]

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.

can we have an update on this thread please

[JonCris]

Requesting you confirm your ID in order to comply with your SAR & the advice given overlooks the simple fact they already know who you are.

 

Had you sent a request out of the blue then they would be entitled to make such a request but your already known to them are you not!

 

My advice is like others send nothing

[nathal]

Sorry for not updating..

 

Sent a letter, but got my mother to sign it... similar to mine, but not the same.

 

Anyway, got agreement next day...

 

But here's the best bit. It hasn't been signed by barclaycard. Rang them, told them now unenforceable. But as you would expect they are still pursuing it..

 

Will soon be taking them to court to remove default, but sorta need help, with particulars of claim.

Can't seem to be able to find anybody who has done this yet.

[FANTASY CHARGES]

Sorry for not updating..

 

Sent a letter, but got my mother to sign it... similar to mine, but not the same.

 

Anyway, got agreement next day...

 

But here's the best bit. It hasn't been signed by barclaycard. Rang them, told them now unenforceable. But as you would expect they are still pursuing it..

 

Will soon be taking them to court to remove default, but sorta need help, with particulars of claim.

Can't seem to be able to find anybody who has done this yet.

 

 

SO AS THEY say keep rerring to the "alleged debt" and ask them at what stage your complaint is before it is referred to the banking ombudsman

 

 

because lets say it costs them between £300 and £750 for each case reffered to the ombudsman

 

see

I think bookworm said it was more like £750 for a FOS complaint, I hope others will correct me if I am wrong

 

 

but get confirmation of this as usual "don't take my word"

[FANTASY CHARGES]

remember when speaking to "these people" if you say it is "tuesday" they will "say it is "any other day apart from tuesday" and keep that in your mind expect nothing "positve" from these "forms of life"

 

we will give you confidence

[FANTASY CHARGES]

Requesting you confirm your ID in order to comply with your S.A.R - (Subject Access Request) & the advice given overlooks the simple fact they already know who you are.

 

Had you sent a request out of the blue then they would be entitled to make such a request but your already known to them are you not!

 

My advice is like others send nothing

 

 

BETTER STILL

QUOTE THEM THE DATA PROTECTION ACT 1998

someone will provide a link to it.

 

THE KEY WORD BEING "reasonable"MENTION the fact that you will complain to the "information officer "(or whatever his official name is ) HELP PLEASE on this !!

[nathal]

To be honest,

I have already sent them letters, quoting all these things but they just don't listen.

I am going to court, as a quicker solution. My credit file is a mess.

Yesterday i lodged claims against mbna, nationwide and citi with the county court, for charges and defaults.

 

I don't have any faith in tradings standards, oft or any of these organisations.

I believe court seems to be the only way to go, unless you all can suggest an alternative?

[JonCris]

As I agree with your comments about the so called watchdogs not really. Go get them!

[poochball]

Wow, reading this thread opened up a Whole can of Worms.

[Guest alderney1965dk]

Me thinks Zooman, may work for one of those parasite firms known as Debt Collection Agencies, and is trying to get the original poster to admit to aforesaid unacknowledged debt and send in the original signature and passport so that the DCA can then copy & paste his signature onto relevant documents.

 

DON'T SEND THEM ANYTHING WITH YOUR PERSONAL ID ON IT:mad:

[Madamfluff]

Me thinks Zooman, may work for one of those parasite firms known as Debt Collection Agencies, and is trying to get the original poster to admit to aforesaid unacknowledged debt and send in the original signature and passport so that the DCA can then copy & paste his signature onto relevant documents.

 

DON'T SEND THEM ANYTHING WITH YOUR PERSONAL ID ON IT:mad:

 

I had the same from one of these morons just told them the truth dont have a passport - British citizen never left the country no legal requirement to have a passport so NO legal requirement to send as copy of passport GO AWAY - to date they have

[MARTIN3030]

Data controllers are within their rights to deny requests to send subject personal data if they are not satisfied as to the subject making the requests identity.

We always suggest blocking out sigs on passports or drivers licences-there is absolutely NO requirement to provide documents bearing sigs.

[ODC]

Data controllers are within their rights to deny requests to send subject personal data if they are not satisfied as to the subject making the requests identity.

We always suggest blocking out sigs on passports or drivers licences-there is absolutely NO requirement to provide documents bearing sigs.

 

Of course by the same token if they are not sure of the persons identity they should not be sending out their begging letters in the first place.

 

So they shoot themselves in the foot by using this argument.

[MARTIN3030]

Which was the idea of the wording in many of the earlier temp letters;

"The address and contact details as detailed herein,are the those that you have always used to communicate to me in the past "

[ODC]

Of course a cynic might say 'Why are DCAs so keen to get a signature????''

 

cough***Photoshop***cough:D

 

They obviously think we are all as stupid as their employees.

[MARTIN3030]

I think they probably assumed this 3 years ago.....but have learned that Caggers are a little more reliably informed.

[diddydicky]

well i would write to them with a utility bill and point out that i dont have/cant find at the moment my passport/driving licence

 

i know of no legislation that requires you to be in possession of a passport or driving licence to prove your identity