Rec'd letter regarding my cca request

mumtoangel

Hi all,

I sent my request for the cca to connaught collections and received a letter from them today saying that they have requested the information from their client (1st credit I assume) and they will provide it to me as soon as they are in receipt of it.

They go on to say,

"I must at the point advise you that due to the fact the outstanding debt has been assigned from the original creditor to our client, it may take longer than the 12 days specified within the consumer credit act. We confirm no enforcement action shall be considered by Connaught collections until this information has been supplied to you."

it then goes on to say should I wish to discuss the matter do not hesitate to contact them, I don't think so.


my question is if they don't send it to me within the 12 days do I go on to send them the 12x2 days letter.

thanks

stapeley

Yes stick to time scale. Keep all copies of anything sent.

mumtoangel

Hi all

Can someone help me please,

I kept to the timescale and sent the 12+2 days letter 9 days ago, today I received a response from connaught, saying that as advised it is likely the information will take in excess of the 12 days stipulated within the Comsumer Credit Act, they also say they are still waiting for the information, they then go on to say,

' You have requested we remove your data from our files under section 10 of the Data Protection Act. You have not specified upon which ground you rely for your notice under s10 of the Data Protection Act and therefore we do not consider this valid; furthermore this is not a valid request as it falls under the exemption in Schedule 2 section 2(a) of the Act. Your request is therefore denied.'


what have I done wrong?

fermi

mumtoangel wrote: »

furthermore this is not a valid request as it falls under the exemption in Schedule 2 section 2(a) of the Act. Your request is therefore denied.'


what have I done wrong?

You have done nothing wrong.

Schedule 2 s.2(a) of the DPA 1998 allows them to process your data if:

The processing is necessary—

(a) for the performance of a contract to which the data subject is a party, or


(b) for the taking of steps at the request of the data subject with a view to entering into a contract.

Since they have so far failed to provide any proof that a contact exists, then they are not entitled to rely on that section to justify processing your data.

If you are not overly concerned about any defaults at this stage, then don't worry about it.

If it turns out that they eventually can't produce an agreement and you wish to challenge any info on your credit files because of that, then there are some threads on CAG that may be of interest/use.

But as said, there is no point getting concerned over that until you know whether they can dig up an agreement.

mumtoangel

Thanks fermi,

so I don't do anything else now unless they send the cca?

Thanks