Jump to content


Flustered2019

Subject access request

style="text-align:center;"> Please note that this topic has not had any new posts for the last 456 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Good afternoon all from noobe!

Having been directed to this forum I filled a sar request for copy of paperwork due to several defaults.

Never had a default but they have been defaulting each month for last 2 years.

 

In short I sent section request (forgot what one but for credit card)

And have received acknowledgement but now they asking for proof of address and identity.

 

Do I have any recourse other than to provide them.

They send letters to me almost weekly yet now I have challenged them they ask for suitable ID?

 

Advise appreciated.

I haven’t listed the name in case they monitoring this as I assume they do but they feature heavily on a lot of forums,

Share this post


Link to post
Share on other sites

just send copy of council tax copy of passport or driving licence saves a lot of asted time and effort - they have to be 100% sure you are the correct party to cover themselves fact!


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

name names please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
name names please

Thanks peeps it’s cabott but also got sar in at Lowell

Share this post


Link to post
Share on other sites

for the same debt?

 

can t be.

 

what was the original debt

and who is the OWNER listed on your credit file now.

 

what is a section request

 

 

and who did you send it too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

the advice to send proof of identity would apply to a credit card co, not these bandits. They ahve your name and address right so tell the the GDPR consider this enough for them to pull their fingers out of their backsides and get on with it.

 

What they want is to harvest data they dont have so they can then fit it in with what they do have.

For example, I had bother with BT and an imaginary contract and they invented a date of birth to try and alter by credit file records to place a default there for the non-existent account so if these people were entitled to know your details they would have them already and not be bothering you for them.

Gte on to the credit card co and make them justify their actions by menas of a SAR and then a notice of correction on your credit files. If they are wrong they may well be in ine for giving you money for their mistakes

Share this post


Link to post
Share on other sites

Thanks Guys. Just to clarify Cabot has one default and Lowell has 5!

 

Today had a letter from Cabot stating they do not hold any of the data I requested and will go back to the company, Aqua, for further info. But they have said the debt is still owed and I must make arrangements to pay!

Share this post


Link to post
Share on other sites

why are you sending sar's to dca's??

 

pointless

 

what are you trying to achieve??

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Apologies if i seem unclear.

It was a sect 78 cca request for copies of paperwork and assignment of debt.

 

Having checked my credit file there are matters

2 of which i believe i owe a debt and 3 or 4 i dont.

 

Following a friends advice who was advised by people on here to send an CCA to Lowells,

they removed the Default they had on him as they had no paperwork.

 

If these do not hold paperwork can they continue to default my account?

I have also not received a default notice.

Edited by dx100uk
spacing.

Share this post


Link to post
Share on other sites

have you moved since taking these accounts out?

 

not having any paperwork is not a reason to remove a default

unless they have changed the date the OC set when they registered it.

 

they cant change the defaulted date

but what is in your calendar section is meaningless and can be ignored


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

so to correctly name this thread

and what its about

 

you have sent a CCA request on an Aqua credit card debt that cabot have been chasing

and they have written back stating they will not action your CCA until you send proof of who/where you are?

 

so NOTHING to do with any SAR to anyone.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...