Please help 1st time debt collection agency

BrightonSun

RAS wrote: »

Its not the end of the world, just that you would have been able to photo or scan it and have known in a couple of days if you have a cast iron defence.

As it is you need to wait until you have a spare tenner and send a Subject Access Request. Any chance you have got late payment charges? Because this will also identify any of them that you can reclaim (no legal halt on them) as this will reduce the amount you owe them.

Thank you so much for all this help!

I can get a £10 together, Do I send this to the debt collection agency? Yes Many late charges will have been applied to my account throughout the course of the time I had the card (I think think 06'early 07)

RAS

10past6 does the most comprehensive SAR letters, so I am posting one of his below

Start the ball rolling by making an SAR application using the template letter below, that will allow you to obtain all the information they hold on you.

Data Protection Act 1998 Subject Access Request



Dear Sir/Madam


Account number: xxxxxxxx


Please send me the information which I am entitled to under section 7(1) of the Data Protection Act 1998 in relation to detailed occurrences relating to the account Numbers xxxxxxxx and xxxxxxxx-x


The following is by no means an exhaustive list but in the main this is what I require.


Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation.


Additionally, all records you hold on me relevant to the above accounts, including but not limited to:


1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the account.


2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company


3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response


4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.


5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.


6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.


7. Specific details of the fees/charges levied by any other agency in respect of these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.


8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.


9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998


10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.


11. A copy of all account statements for the duration of the agreement.


12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.


13. A True copy of the consumer credit agreement section 77-79 of the Consumer Credit Act of 1974.


Any other information relating to the account.


I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, I shall be reclaiming them, and reclaiming the enclosed £10 Data Protection Act subject access request fee.


If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have found to be acceptable.

BrightonSun

Thank you!! Christ I need to clear my head up..Without this forum & people like you RAS I would have had no idea where to start.

Do I send this letter to Aqua? or to 1st Credit?

BrightonSun

Just bumping this..If anyone knows who I would need to send this letter (Letter above too)

BrightonSun

*Bump* Anyone?

BrightonSun

Bump*

Does anyone know who I send the above letter too? Debt Collection agency? or Aqua?

Also when I (Hopefully) get back the earlier CCA? request? What do I look for? & what do I need to do with it?

Thanks