Worth sending a CCA Request

[batchy_21]

Hi All hope you're all well
Due to alot of things happening I have been delayed in progressing this.
Tesco replied to my SAR request and stated that my signature didn't match the records apparently so they want me to sign a letter and send it back. Or I can call them to go through security questions. Is it worth calling to do it or just respond with a signed letter. Just seems odd.
I have received as mentioned a CCA which seems enforcable some statements but no terms and conditions

[Warwick65]

Did you send the cca to Niddy. How can it be enforceable with no terms and conditions?

[batchy_21]

Yeah I did they seem to think it is. It has terms in with the CCA, however I thought there should be separate ones as well. I'm probably wrong just be interesting to see if tesco sends anything else

[Colin G Quinn]

Hi,

Signing a separate document and returning it is a bit dangerous.

Unfortunately, it has been known for creditors to 'lift' that specimen signature and add it to a document, so as to pass it off as an 'original' document signed by you.

If you think about it, as long as you have provided your name and the relevant account/reference number, there is no need for them to require a 'matching signature'.

You have to be clever in your reply. We live in a digital age, and I am unaware of any general case management system which searches for records by signature identification.

[nightwatch]

surely if you send a signed letter, it is just going to match the one on your SAR request?
so it won't match any they may have on record.

we used to have a anti tamper strip in the template section that you could sign over.

[The Tech Clerk]

Template letters have the strip included!

[batchy_21]

Thanks all it did seem odd as I signed the original letter using a anti tamper strip anyway. They have stated I can call their legal team to go through security questions so that maybe an option. Just seems like they are being difficult for some reason

[Still Waving]

Thanks all it did seem odd as I signed the original letter using a anti tamper strip anyway. They have stated I can call their legal team to go through security questions so that maybe an option. Just seems like they are being difficult for some reason

I think I would be wary of going through security questions. You might be giving them additional information which they don't have at present. Just my view - I don't have much trust (none) in these outfits. Colour me paranoid.

[Roger]

Hi All hope you're all well
Due to alot of things happening I have been delayed in progressing this.
Tesco replied to my SAR request and stated that my signature didn't match the records apparently so they want me to sign a letter and send it back. Or I can call them to go through security questions. Is it worth calling to do it or just respond with a signed letter. Just seems odd.
I have received as mentioned a CCA which seems enforcable some statements but no terms and conditions

They have written to you!!! So they know your address don't they!
I presume you have a copy of your SAR Letter? In which case send a copy of the SAR letter! Plus a copy of their letter to you!
Add a covering letter with typed signature! Confirming that the SAR request is yours and THANK THEM FOR WRITING TO YOU!
Keep a copy of everything!!

[Warwick65]

You are to coin a phrase stuck between a rock and a hard place. In order to comply with the DPA the recipient of a SAR request have to be sure they are sending the det .ails to the right person, there is nothing that specifies how they need to do that. If your signature is different to their 'file' copy they do need to check.

It has always been my understanding that while CCA requests do not need a written signature a SAR does. As Roger implies, you could try the argument that they have been writing to you at this address and as such if they weren't sure it was you they would be in breach of he DPA. Bottom line is I suppose is that they hold the power and if you want the SAR you will have to somehow comply with their request but do try to be

[The Tech Clerk]

DSAR requires signature has has been for a long time. due to it being a personal record of account information request, many in the past stated you contact me so you know it is me? but companies are obliged to make sure personal information is secure, also HSBC in the past would send documents even for court use to branches and you supplied signature also evidence you are the said person/beneficiary.

I even once did not have my ID with me but stated Mr xxxxxxx who works there as advisor for pensions knows me as customer = they went and got him (NOT) ? how many companies have the same named person working for them at the same place of work? the one I was referring to had been moved to another location. I returned with the proof of identity next day.

[Roger]

Hi,
Signing a separate document and returning it is a bit dangerous.
Unfortunately, it has been known for creditors to 'lift' that specimen signature and add it to a document, so as to pass it off as an 'original' document signed by you.
If you think about it, as long as you have provided your name and the relevant account/reference number, there is no need for them to require a 'matching signature'.
You have to be clever in your reply. We live in a digital age, and I am unaware of any general case management system which searches for records by signature identification.

Colin G Quinn sets out above is the point at issue here!
"..
If you think about it, as long as you have provided your name and the relevant account/reference number, there is no need for them to require a 'matching signature'. You have to be clever in your reply.
.."

What you might consider is going into your local Tesco with their problem!!

[nightwatch]

Dear sir/Madam.
I find it strange that you request I sign another letter to prove my signature is mine.
Surely it will be the same as the one on the SAR request, as I am the person that sent it? So how does that prove I am who you think I could be? Or not who I say I am?
the matter is perplexing, am I Me who asked for all information, Or am I pretending to be me to gain information?
The Data Protection Act, says you must protect the information you hold about me.
Yet, I am allowed to ask for said information, you are meant to provide it, I have asked for it.
You have requested proof of who I am as the signatuere is not the same as the one you have on file.
But if I sign another letter it may again, not match what you have on file.
So we will be back to .
Is it him or is it not?
let's ask the mad hatter.

yours,
tweedle dum or tweedle dee, both could be me!!

[Still Waving]

Has the OP changed address since taking out the loan with Tesco? If not, that is another point to make to them. Also, signatures can vary a bit over the course of 7 years.

[batchy_21]

Thanks everyone. I will try calling to see what information they actually want without telling them anything. If I'm not happy I will send another letter with an anti tamper signature strip. I have changed address which probably doesnt help.
will see what they say.