Re: DSAR

by brownowl Tue Oct 04, 2022 1:35 pm

daveiron wrote:With any luck it will just go dead and not even sold on . Remember their non rebuttal
is their agreement there is no debt.

Has that ever been known to happen?

by **daveiron** Tue Oct 04, 2022 5:51 pm

Mine with PRA went dead as soon as they received the notices ,not a
word in over 18 months and it will be SB in 18 days.

by brownowl Tue Oct 04, 2022 9:11 pm

daveiron wrote:Mine with PRA went dead as soon as they received the notices ,not a
word in over 18 months and it will be SB in 18 days.

PRA are debt collectors though? When it went dead - do you mean you never heard from them or did it get written off?

by **daveiron** Tue Oct 04, 2022 9:20 pm

Never heard from them again. They are purchasers and were chasing
me since 2017

by brownowl Tue Oct 04, 2022 9:25 pm

daveiron wrote:Never heard from them again. They are purchasers and were chasing
me since 2017

OK, so they were chasing you since 2017 and you sent the notices 18 months ago, then it went dead? Did they readjust your credit score as asked for in the 4th notice (not that a credit score means anything). How long did the OC chase you until it was purchased by PRA?

I bet original creditors are more likely to pass it on to a dca or dp rather than let it go dead...?

by brownowl Mon Oct 10, 2022 9:49 pm

No word from the OC since they refused to give me my DSAR. Since I did NoCA1 I have not heard from the OC and ive sent 4 NoCAs. The account is still open. Do i just leave it now as their non rebuttal is an admission that there was no debt? Or should I keep harassing them by asking them to prove it?

by **daveiron** Mon Oct 10, 2022 10:25 pm

I would just leave it ,thats what i have done ,If you get any further
letters they will only be from minions.
I respond that the matter has been dealt with the CEO personally and
as no debt exists further contacts will constitute harrassment.

by brownowl Wed Oct 26, 2022 12:17 pm

Hello, I've not heard from OC for a while but have just been emailed by them to tell me of my new statement. It still has the same amount due with late payment fees. However the late payment fees have not increased since the first NoCA went to them. I've sent 4 NoCAs in total. I've had 6 months of statements but only 2 months of late fees. I could send them reminder that the have been sent 4 NoCAs which they did not answer. Or I could ignore it as they have already had their notices? What do you think I should do?

by **daveiron** Wed Oct 26, 2022 2:51 pm

Thats par for the course, The only response i give is to inform the minion
who sent that ,that the matter has been dealt with personally by you and the CEO.
No reminders ,they have received the 4 NoCA and chose to not respond.

by brownowl Wed Oct 26, 2022 2:57 pm

daveiron wrote:Thats par for the course, The only response i give is to inform the minion
who sent that ,that the matter has been dealt with personally by you and the CEO.
No reminders ,they have received the 4 NoCA and chose to not respond.

Ok thanks. I think it was just an auto-generated email reminding me of my autogenerated statement. So no minion to write to. It seems that they just have my account open and the alleged debt is still in their system but they wont be doing anything about it apart from sending autogenerated statements until it is closed...

I am suspecting all this fake money will no longer be a thing soon with digital currencies coming in slowly but surely.

Thanks for all your help. I will let you know if I get any more harassment.

by brownowl Mon Nov 28, 2022 12:21 pm

Hi again,

Been sent my latest statement from X bank credit card. As you may remember. 2 DSARs, 4 NoCAs have been sent. No communication from them since NoCA2 apart from statements, probably autogenerated. Interest and late payment fees have stopped. But I am writing a notice to them with to get them to stop sending statements - would I need to add a cease and desist?
There is no minion to write to so i am just writing to the CEO.

"I am concerned that I am still being sent statements for an alleged debt that you have not proven to exist by way of providing a 'true or certified' copy of any signed alleged agreement along with a 'true or certified copy' of any terms and conditions showing full disclosure and the name of whoever attests to their authenticity. I certainly do not recall opening an account with X Bank or using an account with X Bank. How on earth can you demand money from someone but have no proof of any agreement being made? You obviously do not have any of the information requested as you would have sent it by now. I have been asking for any information you have on Joe Bloggs since April 2022. So one can only assume it never existed and you are making very strange unsolicited demands for money when I obviously have no business with you.

Please see below a copy of the last notice sent to John Smith, CEO of X Bank which was sent on 29/09/2022 and received by your place of business on 30/09/2022.

NOTICE-OF-NON-RESPONSE-AND-NOTICE-OF-COMMERCIAL-DEFAULT.

They previously referenced fraud but I am not going to entertain that anymore unless they come back next with that. I suspect it will just get ignored. I know you said not to bother writing to them but it is just for my peace of mind. I just don't want to get any thing wrong or put my foot in it.

Also, I am have sent a DSAR to an old credit card. They have been contacting me back via email to let me know they submitted by request. I do not want emails from them. Do I write a cease and desist notice to them and ask all contacts to be via RM? Can I send this as a reply in email format to their email?

Thanks

by **daveiron** Mon Nov 28, 2022 4:01 pm

My response to statements after all the notices have been sent and
not responded to ,is a simple ' This matter has been settled personally
with your CEO, it has been established that no debt exists' or words to
that effect. Personally i would not send that letter,you have already done
all that is necessary.

With the new DSAR ,i would inform the via RM that all must be via RM ,
its maybe just a personal preference but i require everything vis RM.

by brownowl Mon Nov 28, 2022 7:34 pm

daveiron wrote:My response to statements after all the notices have been sent and
not responded to ,is a simple ' This matter has been settled personally
with your CEO, it has been established that no debt exists' or words to
that effect. Personally i would not send that letter,you have already done
all that is necessary.

With the new DSAR ,i would inform the via RM that all must be via RM ,
its maybe just a personal preference but i require everything vis RM.

Thanks for restoring my confidence in the whole process. Most of the time I know the debts are a fiction but occasionally I slip into the thought that I owe them money...

by **daveiron** Mon Nov 28, 2022 10:20 pm

As i recall, of those on here who have used our NoCA route, none have
reported court action .In fact it appears that all goes very quiet ,as i have
found personally on 2 alleged accounts.

by brownowl Tue Nov 29, 2022 4:30 pm

daveiron wrote:As i recall, of those on here who have used our NoCA route, none have
reported court action .In fact it appears that all goes very quiet ,as i have
found personally on 2 alleged accounts.

Yes seems very quiet here as well. Just wish they would close the account and amend the credit rating. Not that I really need a good credit rating anymore but would be nice if they didn't bother me at all.

by brownowl Thu Dec 15, 2022 6:39 am

I sent a Dsar to an OC but unfortunately misplaced the tracking number and did not put the date on the dsar. They have not responded and it is over 30 days. I will report the to the ico but can I start the NoCA process or should I do fhe dsar again and keep the tracking number or does it not matter so much for a dsar?
Thanks

by **daveiron** Thu Dec 15, 2022 8:54 am

I thought you had already sent the 4 notices.

by brownowl Thu Dec 15, 2022 4:54 pm

daveiron wrote:I thought you had already sent the 4 notices.

It is with a different OC. Sorry should have put it in another thread. I've only sent the DSAR for this one but misplaced the tracking number. It has been 30+ days. Should I just go ahead with the NoCAs or should I redo the dsar and keep hold of the tracking number I'm case it goes to court one day. ?

by **daveiron** Thu Dec 15, 2022 6:00 pm

Ok ,you can if you wish start the NoCA . You can do another DSAR as
they are seperate issues.

by brownowl Tue Jan 03, 2023 10:56 am

Hello, Happy New Year.

Regarding my initial NoCA experience. I have sent 3 NoCAs and the 4th Which is the notice of non-response and commercial default.

The OC has sent me another Notice of Sum of Arrears Notice. I thought this matter would be over with by now? As they have not answered any NoCA - is this not harassment? It is signed by the X bank credit card team... not a minion.

Should I be sending a cease and desist or harassment notice?

Even though they should not be contacting me, I would like to get the matter away from where I live and direct any further communications to my mailbox and the person living in the mailbox.

Also, what side of the notices do we sign on? Am i right in thinking one side is the debtor and the other the creditor.

by **daveiron** Tue Jan 03, 2023 12:31 pm

Nothing to worry about that notice of sums in arrears is quite normal
its little more than a computer generated letter,i have lots of them.
Credit card team are just the minions , i would just respond that you have
dealt with this matter personally with their CEO.nothing more.
The CEO has not responded to your notices ,in which you offered remedy.
Silence is aquesence

Its not too important ,i always sign on the right (side of the creditor).
They may even pass to a debt collector,in which case you just respond
with 'This matter has been dealt with the CEO personally.

by brownowl Tue Jan 03, 2023 1:11 pm

daveiron wrote:Nothing to worry about that notice of sums in arrears is quite normal
its little more than a computer generated letter,i have lots of them.
Credit card team are just the minions , i would just respond that you have
dealt with this matter personally with their CEO.nothing more.
The CEO has not responded to your notices ,in which you offered remedy.
Silence is aquesence

Its not too important ,i always sign on the right (side of the creditor).
They may even pass to a debt collector,in which case you just respond
with 'This matter has been dealt with the CEO personally.

Thank you Daveiron, you have really been so helpful and put my mind at ease so much in the last year Smile

I look forward to being able to help others with the same issues.

My other CC debt has just sent the DSAR information that was requested, it is a lot of pages but has no contract on any signature, it is basically as computer coded version of a statement !

by brownowl Fri May 26, 2023 10:30 pm

GOOD NEWS.
THE OC wrote a letter to me today saying they have closed my account. They did also say that any debt should be paid in line with the terms and condition of the credit agreement as well. But that makes no sense. If they have closed my account, "after careful consideration" then there is no debt.

THanks all very much!

by **urchinatheart** Fri May 26, 2023 11:47 pm

Congratulations ! An inspiring display of applied knowledge and effective co-operation ensuring success. Thank you for keeping us all posted.

by Mike79 Tue Jun 27, 2023 6:07 am

Hi sorry to be a pain can someone point me
In the wright direction for a DSAR template
Thank you

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