Cabot altering ex Barclaycard data with wrong date of birth

[ccmug2]

Originally I had accounts with Egg, Barclaycard and Goldfish which had all become Barclaycard by the time I defaulted sometime around 2009. These accounts have since been bought by Cabot and one has been farmed out by them to Westcott.

 

It turns out that 2 of these 3 accounts have the wrong date of birth for me. The month and year are correct but the day date is not. I know that at some time in the past all three accounts had the right date of birth as it was used as a security question in any telephone conversation - of which there were many.

 

One of the accounts is the one with Westcott and was the first to become noticed when I failed security. The other is direct with Cabot.

 

To cut a long story short Westcott DEMANDED my birth certificate which after some protest I duly provided Their action was to change the date of birth on the account

 

About year ago the account with Cabot reared its head too and in that time they have been trying to obtain the original agreement from Barclaycard. They have recently responded that Barclaycard are unable to supply the original agreement so they have also changed the date of birth on my account and as far as they are concerned the complaint is closed.

 

My contention is that the one unchangeable event in ones life is the date you were born and that if these are my accounts the data is corrupted or they are simply not my accounts at all. Unfortunately I can't verify any of the history as during a house move 6 years ago the box containing all my financial records was lost.

 

I am tempted the contact both the Data Protection registrar and the Financial Ombudsman and to tell Cabot that this is the action I am about to take.

 

Should I be doing this or is there some other action I should take.

 

The sums on the 2 accounts together exceed £20,000 and I have been paying £1 per month on each for the last 8 years or so

 

Thank you for your advice in advance

[dx100uk]

so you've sent a cca request for each and they are compliant?

 

 

you really shouldnt be willingly contacting dca's

they are not bailiffs

and have no legal powers whatsoever

 

 

they spoof you blind

nor forwarding any pers details like birth certs.

 

 

shame you've been paying all these years,

they'd be statute barred now.

[ccmug2]

So - No, I have not sent a CCA request. Should I do so now?

 

If so, should I also add that in addition to returning the fee that I require return of all payments made to them along with the interest thereon?

[dx100uk]

just CCA

cant see how you can demand any payments back..

[slick132]

Hi CCmug,

 

Yup, CCA requests for each a/c is the first move.

 

Do you know roughly when each a/c was opened. Approx dates are fine.

 

[Bazooka Boo]

Westcott DEMANDED my birth certificate

Dear oh dear, delusions of grandeur! Whatever next?

[ccmug2]

Hi CCmug,

 

Yup, CCA requests for each a/c is the first move.

 

Do you know roughly when each a/c was opened. Approx dates are fine.

 

 

Apart from the one of the Barclaycard ones which was 1997 I don't really have a clue. I know I had one at least 40 years

[slick132]

Ok, to put it another way, if the cards were taken before 2007, the creditors will need original credit agreement documents to successfully take court action to enforce the debts.

 

[ccmug2]

I'll send the various CCA's then and ask further questions once I have responses

 

Thank you