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Idem and Egg credit card - GDPR Data request rules what to ask?

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GDPR,

 

In 2018 I sent a request for CCA/Prove it letter to Idem they never replied or sent the info back. However they kept sending letters/calling to contact them etc, duly ignored as the CCA request was not fulfilled. About 10 weeks ago they sent a letter stating that as they could not get hold of me they decided to pass ALL my details to a company called “callresolve”. After 5 weeks I received a letter from callresolve stating that my details were passed on to them by Idem and that they will send someone over.

 

About 2 weeks ago a lovely (sarcasm!) gent arrived at the house, all with a long black coat (not making this one up I swear) and a lovely badge from “Callresolve” anyhow, as he did not look like your average postman, I asked what he wanted. He said before he could tell me he had to “confirm” my details… I said “ah ok that would be good” and he started “if I could confirm the address” (yes that was right on the front door), I looked at the house number and pointed out at the street sign outside….

 

He said it was process, then (and this is where it gets quite interesting) he asked for my Date of Birth (to which I replied , I had one and I was happy with it). Anyway at that point I also added that he could “Jog on” and to ensure his coat would not get stuck on the porch.

 

The question is, as Idem ignored any “prove it letter” or even CCA and without my authorization they passed on my private details to a third party. Are they in breach of GDPR guidance. As I thought under the new regulation ALL information can only be passed to third parties with someone’s explicit agreement (I never gave that agreement to Idem.

 

I also got rather annoyed and called Idem, told them that I was still awaiting for the CCA and prove of debt (i.e deed) they said they were not obliged (rightly so I believe, ) to send me the deed of assignment however I asked them if they could confirm and send the confirmation of when they told me of their “Ownership” of the debt, they stated as it was sent in 2009 they did not have a copy (?)

 

Could someone confirm what information I could ask for and if anything else I should be weary of? Idem seem to have got hold of a phone number which I seldom use, and also an email address which I used to set up a DMP years ago (but was still going on last year but NOT for Idem)….are they under obligation to let me know how they got hold of my data and who provided to them?

 

Is there a template for GDPR ? and also what is the process to lodge a complain and to whom? The ICO (from what I can read, would limit itself to “remind” Idem to comply with requirements)

 

Hope the above makes sense!

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Yes makes sense...

No they are not in breach - There is a legitimate interest to recover a debt outstanding.

Regardless if it is disputed...

 

ICO makes a case study for their guidance which includes a debt needing to be paid...

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if you sent idem a cca and they have not complied IGNORE THEM.

stop entering into stupid letter tennis!!

 

until/unless you get a letter of claim from one of their favourite fake/tame solicitors.

 

as for recolvecall or snortscrawl [sorry scotcall as they were previously known] powerless and zero powers like all DCA's.

 

what was the debt please

 

dx


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Debt was for an old CC with Egg, taken in 2006 …

Idem said they will send the CCA asap (seemed confident they got it)...but would not provide the deed of assignment and were doubtful would be able to prove of any prove of assignment and I quote

" as we purchased the debt in 2009 we are unluckily got a record of any notification"...

 

I know I am rushing a bit but IF they can prove the original CCA would they also have to provide anything else to demonstrate they own the debt?

 

In fairness I am more annoyed they can share details with third parties even when an account is in dispute.....

Edited by dx100uk
spacing

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moved to the egg forum..title updated for clarity.

 

not sure where you are getting the deed things from, neither the part about not being able to pass details on??

you signed up for it on the original agreement.

 

have idem failed a proper CCA with a £1 fee as our CCA request?

or did you send them some other stupid letter and from elsewhere

 

if idem have failed your CCA

end off the issue.

 

as post 3 PAP letter of claim = if not sit on you hands.


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

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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

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