Debt collectors are chasing!!

Nasqueron

Flatericsdistantcousin said:

They could indeed, and in many ways it would be helpful if they did because my credit file doesn't have any evidence of a relationship with Halifax.
I've registered a complaint with the financial services ombudsman and with Halifax, the original card issuer - lets see where that goes - and will be using something my Friend calls "an evil SAR"  this requires both parties to respond to around 100 questions related to the holding and processing of my personal data!! 

They had an opportunity to resolve this, and failed

Nasqueron said:

They can search you, provided they can justify it, using your name and DOB, that will be enough to find you on the credit agencies.

Just email them the letter as Brie and I have suggested 

The DSAR will just net you a, potentially huge, pile of paper that you then have to shred, but probably nothing if the debt isn't yours. It would be better to just use the prove-it letter and then they'll go away

Note that the FOS requires you to complain to the firm first and give them 8 weeks to resolve it. The Halifax won't give you any DSAR data and will reject the complaint if the debt collector has bought the debt from them and mismatched you as it's nothing to do with them

Flatericsdistantcousin

Nasqueron said:

Flatericsdistantcousin said:

They could indeed, and in many ways it would be helpful if they did because my credit file doesn't have any evidence of a relationship with Halifax.
I've registered a complaint with the financial services ombudsman and with Halifax, the original card issuer - lets see where that goes - and will be using something my Friend calls "an evil SAR"  this requires both parties to respond to around 100 questions related to the holding and processing of my personal data!! 

They had an opportunity to resolve this, and failed

Nasqueron said:

They can search you, provided they can justify it, using your name and DOB, that will be enough to find you on the credit agencies.

Just email them the letter as Brie and I have suggested 

The DSAR will just net you a, potentially huge, pile of paper that you then have to shred, but probably nothing if the debt isn't yours. It would be better to just use the prove-it letter and then they'll go away

Note that the FOS requires you to complain to the firm first and give them 8 weeks to resolve it. The Halifax won't give you any DSAR data and will reject the complaint if the debt collector has bought the debt from them and mismatched you as it's nothing to do with them

True, but as they have already been told it's not my debt and they carried on trying to collect I'm happy to push forward. It probably is a bit petty to be honest. 

If Halifax rejects it, that's fine I can escalate the complaint to the ombudsman. 

Link Financial are not interested in resolving this so they can answer for it. Obviously it depends on wether my complaint is upheld, but I'm looking at few things including a legal response 

Nasqueron

Flatericsdistantcousin said:

Nasqueron said:

Flatericsdistantcousin said:

They could indeed, and in many ways it would be helpful if they did because my credit file doesn't have any evidence of a relationship with Halifax.
I've registered a complaint with the financial services ombudsman and with Halifax, the original card issuer - lets see where that goes - and will be using something my Friend calls "an evil SAR"  this requires both parties to respond to around 100 questions related to the holding and processing of my personal data!! 

They had an opportunity to resolve this, and failed

Nasqueron said:

They can search you, provided they can justify it, using your name and DOB, that will be enough to find you on the credit agencies.

Just email them the letter as Brie and I have suggested 

The DSAR will just net you a, potentially huge, pile of paper that you then have to shred, but probably nothing if the debt isn't yours. It would be better to just use the prove-it letter and then they'll go away

Note that the FOS requires you to complain to the firm first and give them 8 weeks to resolve it. The Halifax won't give you any DSAR data and will reject the complaint if the debt collector has bought the debt from them and mismatched you as it's nothing to do with them

True, but as they have already been told it's not my debt and they carried on trying to collect I'm happy to push forward. It probably is a bit petty to be honest. 

If Halifax rejects it, that's fine I can escalate the complaint to the ombudsman. 

Link Financial are not interested in resolving this so they can answer for it. Obviously it depends on wether my complaint is upheld, but I'm looking at few things including a legal response 

Halifax will reject it because they sold the debt and the debt collector is the one that has mis-traced it, not Halifax who have no blame here, a complaint would just be wasting the money of the bank and the people who use it.

They logically will not send you paperwork for another customer as the debt is not yours

Flatericsdistantcousin

It's taken little time to raise a complaint. They may reject it, fine. Halifax is just a link in the chain. Any information will be useful. 

It's certainly strange that it's linked to me by name but not financially. Maybe there was an error and this is, or was a legitimate account. Because whoever owns it paid some of the debt off at the end of last year it can be chased for a few more years.