Adinuff's UE Diary

[Adinuff]

Re: Adinuff's UE Diary

Hi niddy,
Would you be so kind and too post me the CCA and SAR request Templates.I need to send off to a creditor today

many thanks

Adinuff

[vint1954]

Re: Adinuff's UE Diary

Well done Niddy

[Never-In-Doubt]

Re: Adinuff's UE Diary

Niddy's accessed the template now so you don't need the strip

Niddy has loaded them already - just tidying them up

Will be live later tonight hopefully

[Never-In-Doubt]

Re: Adinuff's UE Diary

Hi IF,
Thats brilliant . Do you have one witout the all.about.debt.co.uk dont want the creditors checking site and seeing my plans.

Adinuff

No because it is done to MAKE them check here and realise they are not dealing with you, alone, but thousands of very clever legalese people. It actually helps you, it doesn't hinder you.

I am proud of our anti-tamper strip....

Anyway I posted what to do above ^^^^^

[vint1954]

Re: Adinuff's UE Diary

Hi IF,
Thats brilliant . Do you have one witout the all.about.debt.co.uk dont want the creditors checking site and seeing my plans.

Adinuff

Niddy's accessed the template now so you don't need the strip

[vint1954]

Re: Adinuff's UE Diary

Thanks IF

[Adinuff]

Re: Adinuff's UE Diary

Is this what your looking for vint?



[ATTACH]7879[/ATTACH]

Hi IF,
Thats brilliant . Do you have one witout the all.about.debt.co.uk dont want the creditors checking site and seeing my plans.

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

Basically the template above is saying, you've been sending me threats etc so you know it is me. If however you now want ID then surely you admit to sending sensitive data to someone you weren't sure of hence breaching DPA - so what is it to be then?

If that makes sense.... lol.

[Never-In-Doubt]

Re: Adinuff's UE Diary

yes CCA sent they keep sending me in circles about it. saying they need a signed document. even though i said i would collect from local branch showing ID. 3 times they have sent me form to sign

Noooo - you do not need to do this!!!

Send this back!

Dear Sirs

Account No/Reference No: XXXXXXXX

Thank you for your letter dated XX/XX/XXXX, the contents of which have been noted. In your letter you make reference to requiring my signed authorisation before you will comply with my CCA Request.

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature. If it is for Data Protection purposes then I can supply you with documentation to substantiate my identity to you. However, I note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address and so I have to ask, if you are so concerned that you are corresponding with the correct person why has it taken you so long to raise this?

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of Data Protection, listed in schedule 1 of the Data protection Act 1998:

Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity; which therefore means that this account looks likely to become unenforceable until such time you actually respond to my lawful request for a copy of the agreement. I am not going to sign anything as there is nothing that formally allows you to demand such information. Any future failings will be swiftly reported to the regulatory bodies so I politely suggest you adhere to this refusal.

I look forward to receiving the documentation requested, within the next 14 days.

Yours faithfully,



Sign Digitally

[IF]

Re: Adinuff's UE Diary

Is this what your looking for vint?

[vint1954]

Re: Adinuff's UE Diary

yes CCA sent they keep sending me in circles about it. saying they need a signed document. even though i said i would collect from local branch showing ID. 3 times they have sent me form to sign

Just wait until you can access an anti tamper strip, then sign and send.

Regarding complaints, just wait until they respond to your letter before going too much further.

[Adinuff]

Re: Adinuff's UE Diary

That would follow Adinuff.

A failed SAR is not a reason for dispute though.

Have you sent a CCA off and have they responded?

yes CCA sent they keep sending me in circles about it. saying they need a signed document. even though i said i would collect from local branch showing ID. 3 times they have sent me form to sign

[vint1954]

Re: Adinuff's UE Diary

Hi Vint,
Thanks for that. Will draft a letter up along them lines. So if they cant find anything under the SAR the CCA is unobtainable as well?

Adinff

That would follow Adinuff.

A failed SAR is not a reason for dispute though.

Have you sent a CCA off and have they responded?

[Adinuff]

Re: Adinuff's UE Diary

The decision is up to you really.

You can try and blag the enforceable one, if you cannot meet the repayments, or try £1 per month.

If you want to go down the UE route, then there is little point in continuing with payments.

have Stopped payments anyhow, after receiving there letter today. I presume they haven't got the CCA. Which department and regulatory body should i complain too?

[vint1954]

Re: Adinuff's UE Diary

hi Guys,
Niddy confirmed my previous thoughts as the CCA is enforceable. I nee some advice can i reduce payments to the enforceable CCA creditors to a £1 token paymentsand stop making payments to the unenforceable ones? Payments is due out very soon. Would like to make this call asap.

Adinuff

The decision is up to you really.

You can try and blag the enforceable one, if you cannot meet the repayments, or try £1 per month.

If you want to go down the UE route, then there is little point in continuing with payments.