signature requested help

[credit allergy]

CCAd 1st Credit on 5/07/07 re Barclaycard which they have bought. Recived some copy statements (not very detailed) yesterday. They rang today saying that they had a copy of the cca but said the following. In order for the admin dept to send it to me they want a copy of my passport or drivng licence for id and signature reasons. Apparently this is to comply with the Data Protection act. The operator couldnt explain why the statements were not under these rules as well. I am very sceptical about their reasoning and request can somebody please advise. When I made the CCA request I used a different signature ie initals not first name just in case. Following their arguement if they do not think i am who i say i am they cant enforce the debt against me can they!

[linz2011]

I would not send them anything - it is up to them to comply - I had the same thing with goldfish and I replied with a copy of the statements they had been sending me every month ???? They are adamant that they want my signature but they aint getting it - will report them to TS if necessary

[cerberusalert]

Don't send them a copy of anything especially your signature.

 

You don't have to comply with the Data Protection Act....they do!

 

Chances are they don't have a copy of the CCA right now, but rest assured they will have if you send your signature....seems as if they've learned to cut & paste!

 

BTW, from now on....do not speak to them on the 'phone. Everything must be in writing!

[The Phantom]

Dito the above

Don't send them anything with your signature on it

[ScarletPimpernel]

A Data Controller is entitled to verify the identity of an individual making a subject access request. Some of the banks have used this as a delaying tactic for some time.

 

HSBC demanded a signature from me; I had to go to a branch to sign on the back of a form in front of one of their staff. I crossed through the signature as soon as the woman had signed to say she'd witnessed it, and billed them a tenner for turning up.

 

My OH SARd First Direct, who also demanded her driving licence or passport. When she said no, they rang and asked her to go through security questions, which she did - her statements then arrived. She wrote to complain that they hadn't complied fully, and they replied saying that when they called her, it was only so they could send her statements - for anything else they required a signature! A quick LBA put paid to their games, but it's clear that some will use the rules for their own purposes.

[credit allergy]

thanks for replies i am confused though. Will it be deemed reasonable not to send id in post by a court. If i do nothing what will happen.

[Jeanjaquessmoothie]

Send them a photocopy of your passport or driving license, but put a box over the signature. That way, they've got your identity, but not your signature!

[credit allergy]

Thank you but it was the signature they asked for which is why i am being careful. I might call their bluff and offer to go to their office in person!

[Jeanjaquessmoothie]

change the signature on the driving license using photoshop or similar

 

Then they've got a copy of a signature, but it's not exactly yours

[tiglet]

You could send your signature with a line drawn through it - then they can see your signature, but scanning it would be useless because of the line.

[credit allergy]

I am very concerned not to appear obstructive in case they go to court. Does anyone think that a cca exists. I was going to go down the route of not posting personal info because of id theft etc.

[tiglet]

Good idea - perhaps best to state that you are prepared to go into a local office.

 

There really is no need for them to see your signature.

[NitrousOxide]

Hi,

You could do this.

Write out what you want to send. PM me and I will fit it into the document with the grey box.

Once you print it out sign with a very light blue, green or red pen. Never sign with black.

Touch the paper lightly when signing as well.

Then put a thick line of black through it.

The reason you sign with those odd colours is they are hard for scanners to pick up against the grey background.

 

Another idea is to put hatching on the grey box. I'll do that some other time.

 

I believe they don't have your CCA and would recommend sending nothing or sending your signature but as described in the signature thread here .

Legally if you identify it's you sending the letters it constitutes a valid signature.

[NitrousOxide]

Hi,

This goes accross all the text and is very light.

 

 

[Duffers Mum]

Surely if you think they have been tampering with signatures etc you could ask to actually see the original agreement, I would also presume that if a matter goes to court the original documents would have to be shown, or is that not the case?

[Curlyben]

As Nitrous pointed there is nothing wrong with signing in multiple colour/styles.

 

Personally I use a printed line to sign on.

something like this works a treat: #__________*__________#

Then simply sign over the top of it.

This makes photoshop specials very difficult.

[djdave]

I sent a scan of my driving licence with "COPY COPY COPY" through it in thick multi-coloured lettering at 45 degrees. Call me paranoid if you must...

[credit allergy]

Today I recived a threatening letter from this dca. On phone told them to stop as account was in dispute. The operator said they cant stop letters going out. She said they are still waiting for a copy of licence for signature but they have definately got the agreement. I said no, for ID theft reasons I rang ICO who said they can ask but not specific about documents but said CCA act 1974 takes preference. I am wary because they seem happy to discuss matter on phone after security questions. Having dealt with DCAs if they had an agreement and I am ringing them up surely the pound signs would be flashing and the Data protection Act would be the last thing on their mind. Can anybody advise.

[NitrousOxide]

Today I recived a threatening letter from this dca. On phone told them to stop as account was in dispute. The operator said they cant stop letters going out. She said they are still waiting for a copy of licence for signature but they have definately got the agreement. I said no, for ID theft reasons I rang Information Commissioners Office who said they can ask but not specific about documents but said CCA act 1974 takes preference. I am wary because they seem happy to discuss matter on phone after security questions. Having dealt with DCAs if they had an agreement and I am ringing them up surely the pound signs would be flashing and the Data protection Act would be the last thing on their mind. Can anybody advise.

If they had it they would send it.

They want you to pay, so it's in their interest to send it quickly.

They haven't got it me thinks

[credit allergy]

I agree so I am going to write and claim ID risks because even IOC couldnt say everything is 100% safe. I might offer to collect from head office or similar. I need to cover myself and look reasonable it might be the case that they have an application or something. They have in fact to make this request in writing and in any event should have informed me of their policy prior to 30 days time limit for CCA purposes. As I said earlier I just feel that if they were certain of their position they would be pursuing the debt a lot harder.

[credit allergy]

I have just started to compose the reply when the obvious struck me. I have just found the statements on this account addressed to me with a compliments slip. So why neeed a signature for the CCA but not statements!

[NitrousOxide]

I have just started to compose the reply when the obvious struck me. I have just found the statements on this account addressed to me with a compliments slip. So why neeed a signature for the CCA but not statements!

Makes you wonder eh?

[credit allergy]

If I sar a dca do they have to provide me with copies of the letters i sent in connection with the account.