Re: Cabots/Resolvecall

by **daveiron** Thu May 23, 2019 10:46 am

Hi Jimmyjack,

Just a quick point . When you upload any docs. please remember to also redact most of the amount claimed.
Showing the full amount down to the last penny will allow the sender to id the account.& therefore your tactics.

by Jimmyjack Thu May 23, 2019 11:07 am

daveiron wrote:Hi Jimmyjack,

Just a quick point . When you upload any docs. please remember to also redact most of the amount claimed.
Showing the full amount down to the last penny will allow the sender to id the account.& therefore your tactics.

Hey Daveiron ...you make a great point.duly noted.many thanks.

by **Mrblue2015** Thu May 23, 2019 3:58 pm

Yep good advice from DaveIron. And here’s my standard advice too:

NEVER use personal details inc reference numbers, never alleged debt amounts (just round up to the nearest £1K) and never dates of the letters your receive or send. If you ever intend to upload photos of the letters you send or receive, also be mindful of the above ie mask any such details (and mask any references or barcodes etc that appear on ANY part of their letters...!) Pretty much anything that helps maintain your anonymity (again, those potential trolls...)

See also this link from a moderator:

https://goodf.forumotion.com/t3358-please-read-before-posting-important

by Jimmyjack Thu May 30, 2019 10:13 am

So this morning I had this reply from Nationwide to my SAR request Mad

by Jimmyjack Thu May 30, 2019 10:14 am

Surely they are breaking rules regarding SAR request? should I just send the original request again or make a complaint to the relevant body?

Thanks folks.

by **Mrblue2015** Thu May 30, 2019 10:59 am

This is what I implied in another post. Although the ICO requires them to comply within 30 days, they make a right meal if it! (I think intentionally to buy themselves time...)

Write again / referring to their letter and it's date / tell them they have your full name and address and that your signature has not changed.

My signature has never been doubted in the several DSAR I have made.

by **Mrblue2015** Thu May 30, 2019 11:01 am

Do you have ANY old documents / letters etc in relation to Nationwide that include your signature (to prove it has not changed)? Perhaps you could enclose a photo copy - and refer to the enclosed photocopy as extra evidence. Just an idea...

by Jimmyjack Thu May 30, 2019 11:04 am

Mrblue wrote:Do you have ANY old documents / letters etc in relation to Nationwide that include your signature (to prove it has not changed)? Perhaps you could enclose a photo copy - and refer to the enclosed photocopy as extra evidence. Just an idea...

Think Ill have a look at who I can make a complaint to as I think Nationwide will just keep using this tactic as a get out of jail card. maybe with a complaint to the regulatory body it will force their hand.

by **daveiron** Thu May 30, 2019 11:16 am

Personally I would not mess about playing their games .
Its time to go to the Information Commissioner and make a complaint. They are in breach of the FOI act.
If you sent them a cheque for example would they cash it or send it back as they could not verify your
signature ? We know the answer to that.
In the meantime should anyone else contact you chasing this account ,tell them the matter is in dispute
as the OC is refusing to supply information.

by Jimmyjack Thu May 30, 2019 11:24 am

Thank you Dave iron, my thoughts too.

by **daveiron** Thu May 30, 2019 11:40 am

This is who you want. I have used them myself a few times.
https://ico.org.uk/global/contact-us/

by Jimmyjack Thu May 30, 2019 12:21 pm

Thank you again Dave, really appreciate the help.

by **Mrblue2015** Thu May 30, 2019 12:30 pm

Agree with DaveIron’s advice but bare in mind that it will take much longer to get what you need from the OC. At this point in time, the delay doesn’t appear to be such an issue for you. But IF you’re ever in a situation where you receive a ‘action before action’ then you won’t have the luxury of the extended time waiting to receive the DSAR results...

by Jimmyjack Thu May 30, 2019 1:00 pm

Thanks Mr blue, my thinking is that nationwide will stall indefinitely so it will be the same issue as you've just mentioned. I've got to make contact with nationwide again anyway as part of the complaint process so I will send another sar. In the event of receiving an action before action I would still be in the sand boat as nationwide would be under no obligation to hurry up and send me the information I require. Hopefully it does not come to that and if it does I can show the court that I have tried several times to obtain said info.

by **Mrblue2015** Thu May 30, 2019 3:10 pm

No problem - it’s all about setting you a realistic expectation (timescales etc) as, even if you’re successful with the ICO, god only knows how long that will take and you need a better estimation of how long this will take to ultimately get what you want (your personal data!)

OR perhaps call them, withholding your phone number to speed it up / see what is acceptable.

You can always keep a record of the letters / your calls to retrospectively obtain compensation...

Nothing is easy I’m afraid when it comes to the banks, debt purchasers etc. They’re not stupid and know why you’re requesting a DSAR... And know that even if the ICO obtain compensation on your behalf, it’s pennies to them.

by waylander62 Sat Jun 01, 2019 2:21 am

interesting response ??

if they cant match your signature then they dont have a copy of a signed agreement ?? if they did they would have your signature !!??

tread wearily as they may try and lift the signature to form an agreement once they have it confirmed.

by Jimmyjack Tue Jun 04, 2019 9:08 am

Again another interesting point waylander, thank you. Thing is I don't have to push it, I know that at some point either the end of this year or early next year this will be statue barred, it would just be nice to have an exact date rather than guessing.

My signature is never the same anyway but I take your point about them lifting my signature as I wouldn't put anything past them although isn't that fraud?

Still not heard anything more off cabots/resolvecall.

by **daveiron** Tue Jun 04, 2019 10:25 am

Just a precaution regarding the lifting of your signature. I would use your usual signature
but make a slight change .scan and copy .Then if it is lifted you can prove it.

by **Mrblue2015** Tue Jun 04, 2019 12:03 pm

Jimmyjack wrote:Again another interesting point waylander, thank you. Thing is I don't have to push it, I know that at some point either the end of this year or early next year this will be statue barred, it would just be nice to have an exact date rather than guessing.

What credit reference agency do you use? They’ll have the default notice dates.

by Jimmyjack Tue Jun 04, 2019 2:19 pm

Noodle at the moment and there is a default date on there.

by **Mrblue2015** Tue Jun 04, 2019 9:57 pm

Ok so work out 6 years from the date the default notice was served and there’s your satute barred date.

by Jimmyjack Tue Jun 04, 2019 10:54 pm

So one is statue barred September this year the other one is barred in December this year.

by **Mrblue2015** Wed Jun 05, 2019 5:34 am

Good news

I would send a DSAR to the credit reference agency and ensure they include a copy of their record of the default notices lodged with them...

by Jimmyjack Wed Jun 05, 2019 7:27 am

Thank you Mr blue I will do that.

by **Mrblue2015** Wed Jun 05, 2019 8:17 am

More than welcome buddy Smile

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