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cabot and EGG Card debt - GDPR data request received

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Hi all,

 

I have submitted a GDPR request to Cabot for an old credit card debt which I was paying of as part of a DMP I had until a couple of years ago (and stopped paying as I did ask for the CCA and cabot did not comply).

 

Cabot provided all the information they “had”.

They provided (as part of the GDPR the CCA )

however there is no mention or any confirmation that the debt was passed on to them or any correspondence made by them that they now owned my debt

(i.e from the previous company, initially Egg, then “according to the notes I could find from Cabot “ idem

but absolutely no mention of any communication of either purchasing the debt or correspondence made to me notifying that they were the “rightful” owner” …

 

.not sure if the above makes sense ..

I was under the impression that a Debt management company had to prove that they actually owned the “debt” and had to ensure the debtor was notified IF the debt was sold or no?

 

Also it seems that several letters which I have received were not attached to the “GDPR” documentation (thought again they had to provide a copy of any correspondence sent?)

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Your request should have gone to the Original Creditor...DCAs after assignment only hold the bare minimal data.

 

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Data Protection and Default Issues Forum

 

 

Andy

 

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Original Creditor GDPR request will give you the exact date of your last payment, and the date it was sold on.


We could do with some help from you.

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just ring the OC and ask them

far simpler!


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Right, thanks for all replies,

 

I can ask Egg for the GDPR but nevertheless if Cabot now “Owns” the debt (this is what they are stating ) they should have a copy of the notification made to me when they “acquired” the debt (egg never notified myself and considering Egg as a company does not exist anymore do not think there would even be a copy of a notification made to myself letting me know of the debt being passed or any communication made).

 

In the documentation received there are several copies of letters from them from 2016 but NOT until one in 2018

(after I told them unless they provided proof of myself owning the debt I would not make any payment) when they stated “they” owned the debt.

 

Also quite a few of the communications they sent to my home address are missing (thought the whole point of the GDPR was to provide ALL information ).

 

All they provided (as proof, is a copy of the CCA agreement signed in 2005 signed with Egg).

 

Questions are, is the CCA enough they “Own” the debt?

Or should they provide further proof etc?

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@dx100uk thanks but struggling to get the current address to get correspondence address for egg?:!:

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Ignore! found it.... City bank :)

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Canadian square operations.

 

see the EGG forum stickies


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Well if your not paying it anyway....does it really matter who now owns it ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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@Andyorch Andyorch yes it does as I want to ensure IF they can then prove i own the debt and take me to court I have enough evidence... so yes I am trying (after years of hiding my head in the sand ) to sort out the mess I made 10 years ago .... and one way or another I want to avoid to be pulled back onto it.... :) (if they can prove they own the debt I can make a full and final offer for x amount if they can not, I could then tell them to j g on....)

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you mean notice of assignment.

 

you say idem have had their hand on this too?

when did you take the card out?

 

retitled and moved to the EGG forum


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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hi sorry as usual I guess I manage to make more confusion than anything! I do wonder myself how I function sometimes :) Right indeed I do mean the notice of assignment, NCO (not sure where I got Idem from! .... I mixed up two debts :) ignore Idem ..) the card was taken on in 2003 ...

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NCO are part of the cabot group

 

just type

no need to do silly brackets and everything


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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ok. Ultimately there is no Notice of assignment in the communication received, I presume next step would be to write to canada square to see if they Egg ever sent any notification, which I doubt

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