Search
Latest topics
» At last.by daveiron Today at 6:53 am
» Know who you are
by LionsShare Yesterday at 1:24 pm
» hmrc bond
by LionsShare Tue May 07, 2024 9:56 am
» Chainsaws 1
by assassin Sat May 04, 2024 5:07 am
» Supply What Does It Mean?
by LionsShare Thu May 02, 2024 11:45 am
» Speed ticket Is This The Way To Go?
by flyingfish Wed May 01, 2024 10:11 pm
» DSAR
by brownowl Mon Apr 29, 2024 1:15 pm
» Council Tax questions we should all be asking
by LionsShare Mon Apr 29, 2024 10:20 am
» Whats In A Name?
by LionsShare Sun Apr 28, 2024 8:49 pm
» The infamous DP continus
by Biggiebest Sun Apr 28, 2024 2:20 pm
» Purchased Used car, thew con rod after 4 weeks, 40,000mi on clock, can we get out of the finance?
by assassin Sun Apr 28, 2024 3:19 am
» C'Tax & The Bradbury Pound System
by flyingfish Sat Apr 27, 2024 8:21 pm
» Warranty issues
by brownowl Sat Apr 27, 2024 12:05 pm
» Smart Meter and Pre Pay Meter remedy
by daveiron Sat Apr 27, 2024 8:29 am
» are they feeling the pinch...?
by pitano1 Fri Apr 26, 2024 7:19 pm
» Fruit
by assassin Fri Apr 26, 2024 4:36 am
» Are Lowell getting desperate ?
by waylander62 Wed Apr 24, 2024 2:08 pm
» Electric Vehicles
by assassin Wed Apr 24, 2024 4:57 am
» Water charges
by daveiron Wed Apr 24, 2024 4:36 am
» 20 mph speed limit enforcable????
by flyingfish Tue Apr 23, 2024 9:26 pm
» Allotments
by flyingfish Tue Apr 23, 2024 7:54 am
» Energy debt
by flyingfish Tue Apr 23, 2024 7:49 am
» HO HO HO not that shinning or with clean hands !!!!!!
by Lopsum Sun Apr 21, 2024 7:04 pm
» Psychological Operation - Evidence on more fraud
by Lopsum Sun Apr 21, 2024 7:00 pm
» Allodial Title
by urchinatheart Wed Apr 17, 2024 10:13 am
» Grow Potatoes
by Mrblue2015 Wed Apr 17, 2024 8:18 am
» Feed Yourself For Less
by assassin Tue Apr 16, 2024 7:23 pm
» New GOODF - small account closed upon Notice 3
by RaspberryBlu Tue Apr 16, 2024 1:02 pm
» DWP
by daveiron Tue Apr 16, 2024 12:23 am
» LGA1888 sect79 sub2
by urchinatheart Mon Apr 15, 2024 9:15 am
» Know Who You Are Even More Volumes To Come
by LionsShare Sun Apr 14, 2024 11:24 am
» Woke, Nimbys, Snowflakes and idiots
by urchinatheart Fri Apr 12, 2024 12:09 am
» Never Buy Seeds Again
by assassin Wed Apr 10, 2024 6:14 pm
» Ovo bank giro?
by LionsShare Wed Apr 10, 2024 6:07 pm
» Is your car a government remote controled car???
by Lopsum Wed Apr 10, 2024 12:48 pm
» peacekeepers apprantly get a c'tax win?
by LionsShare Wed Apr 10, 2024 11:14 am
» Can I Complete The Food Circle
by urchinatheart Tue Apr 09, 2024 11:46 am
» Council tax and summons for arrest
by LionsShare Mon Apr 08, 2024 2:44 pm
» THIS IS THE ONE ?
by schist Fri Apr 05, 2024 1:04 pm
» Garden Share
by assassin Thu Apr 04, 2024 4:37 pm
» Serial Posty been awarded £10'000 for a fake bite
by assassin Wed Apr 03, 2024 7:23 pm
» The new ruling, lie-ability order
by assassin Wed Apr 03, 2024 7:04 pm
» New Member
by schist Sat Mar 30, 2024 3:00 pm
» DVLA [Hick] Does It Work [Hick] ?
by Miss Kermit Thu Mar 28, 2024 4:15 pm
» know who you are volume ??
by daveiron Tue Mar 26, 2024 9:38 pm
» Hopefully A Success
by daveiron Sun Mar 24, 2024 9:28 pm
» Most Complete Bank Giro Credit
by LionsShare Sun Mar 24, 2024 12:06 pm
» Knowing our Lawful rights
by daveiron Sat Mar 23, 2024 6:05 am
» More Illegal Immigrants
by assassin Thu Mar 21, 2024 5:43 pm
» SAR dispute
by assassin Thu Mar 21, 2024 5:32 pm
» There goes Ireland, his off.
by midnight Thu Mar 21, 2024 1:07 pm
» Call to the DVLA
by urchinatheart Mon Mar 18, 2024 2:36 pm
» BEWARE OF TSB BANK
by daveiron Sun Mar 17, 2024 6:53 am
» Help / Advice needed on ongoing neighbour harassment
by memegirl777 Sat Mar 16, 2024 5:51 pm
» United Kingdom? Really?
by assassin Sat Mar 16, 2024 4:17 pm
Moon phases
New DCA letter
4 posters
Page 1 of 1
New DCA letter
Apologies, this is a repost as I think I posted this topic in the wrong (general) section just now
After being harassed by several DCAs over the last few years for alleged overdraft and credit card charges and having followed the three letter process a while ago, Ive just received another 2 letters from a new DCA, the latter offering a 50% discount etc.
Is it best to follow the NCA route at this time as I feel I shouldn’t ignore them. I’m not familiar with this new approach, so any advice gratefully received.
Thanks
After being harassed by several DCAs over the last few years for alleged overdraft and credit card charges and having followed the three letter process a while ago, Ive just received another 2 letters from a new DCA, the latter offering a 50% discount etc.
Is it best to follow the NCA route at this time as I feel I shouldn’t ignore them. I’m not familiar with this new approach, so any advice gratefully received.
Thanks
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
I presume its a debt purchaser & not a debt collector.
If its a purchaser personally i would take the NoCA route.
Its important you study the process so you comprehend it.(links provided)
While you are researching that ,send a Data Subject Access Request to
them.
Its always a good sign when they offer large discounts .
Remember with this route you are removing controvesy.
If its a purchaser personally i would take the NoCA route.
Its important you study the process so you comprehend it.(links provided)
While you are researching that ,send a Data Subject Access Request to
them.
Its always a good sign when they offer large discounts .
Remember with this route you are removing controvesy.
daveiron- Admin
- Posts : 4919
Join date : 2017-01-17
Mrblue2015 likes this post
Re: New DCA letter
Thanks, how do I know if it’s one or the other? Actually I think it might be a collector as the letter states they may hand it back to the previous lot.
Last edited by iwanttobefree on Tue Nov 02, 2021 5:50 pm; edited 1 time in total
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
Acording to their site they are purchasers.
daveiron- Admin
- Posts : 4919
Join date : 2017-01-17
Mrblue2015 likes this post
Re: New DCA letter
New letter is from Ruthbridge
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
Ok Ruthbridge are collectors,cabot purchasers.
Send a DSAR to them ,they obviously hold some of your data.
keep hold of it when you get it.
this will give you about a month ,in which time you will comprehend the
NoCA route
Send a DSAR to them ,they obviously hold some of your data.
keep hold of it when you get it.
this will give you about a month ,in which time you will comprehend the
NoCA route
daveiron- Admin
- Posts : 4919
Join date : 2017-01-17
Mrblue2015 and iwanttobefree like this post
Re: New DCA letter
And the fact they offered you such a ‘large’ discount proves to some extent they know they can’t fully evidence the alleged debt and they hope you’ll at least pay something.
Mrblue2015- Moderator
- Posts : 2470
Join date : 2017-06-11
daveiron and iwanttobefree like this post
Re: New DCA letter
Thanks folks. I have the DSAR text so I’ll just send to the address on the letter from the collector then?
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
Thats good, Its worth learning the process,you will find also that the
principle can be used for other things as well and it keeps you in honour at
all times.
principle can be used for other things as well and it keeps you in honour at
all times.
daveiron- Admin
- Posts : 4919
Join date : 2017-01-17
Re: New DCA letter
Sorry I don’t quite follow what you mean?
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
Is the following all that’s needed for the DSAR?
This is a Data Subject Access Request ,as per the GDPR regulations please
supply all Data you hold for (your name) including but not limited to Data
pertaining to alleged account no xxxxxxx . Please supply this data within the
regulation timescale.
How do they know it’s a genuine request with no proof of ID etc?
Presume I just put my name and address but not the sovereign bit?
This is a Data Subject Access Request ,as per the GDPR regulations please
supply all Data you hold for (your name) including but not limited to Data
pertaining to alleged account no xxxxxxx . Please supply this data within the
regulation timescale.
How do they know it’s a genuine request with no proof of ID etc?
Presume I just put my name and address but not the sovereign bit?
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
Yes thats all you need in your request. They have your address when they
contacted you ,so there is no reason why they should want ID unless you
want it to go to a different address.
contacted you ,so there is no reason why they should want ID unless you
want it to go to a different address.
daveiron- Admin
- Posts : 4919
Join date : 2017-01-17
Mrblue2015 and iwanttobefree like this post
Re: New DCA letter
They’re wanting proof of identity in response to the SAR
Do I have to provide this?
Do I have to provide this?
Last edited by iwanttobefree on Sat Nov 20, 2021 10:12 am; edited 1 time in total
iwanttobefree- Not so newb
- Posts : 18
Join date : 2018-03-21
Re: New DCA letter
When I have done DSAR in the past & ID was requested, my reply: 'the requested ID asked for does not exist, therefore cannot be furnished'. Try it they may go for that?daveiron wrote:They have your address when they contacted you ,so there is no reason why they should want ID
LionsShare- Moderator
- Posts : 3288
Join date : 2017-04-26
Location : Literally Where Ever I Am
iwanttobefree likes this post
Page 1 of 1
Permissions in this forum:
You cannot reply to topics in this forum
|
|