I sent it to CoT but they said I had to speak to Azzurro - I contacted ICO and they confirmed Azzurro would now be the owner of the data

Hi dx100uk, thanks for confirming. I received the SAR from Azzurro, and it just contains the contract I previously uploaded here, a list of some of the card transactions, my address and date of birth. I expected to see the info CoT used, such as a credit report, but there was no detail of that. Do I need to request this information specifically, or do they not have it if they didn't include it with the SAR?

Thank you dx100uk - please could you advise what I'm looking for with the SAR and how I can use the info?

Thank you, I appreciate you looking into this for me Yes, it's being pursued with the administrator but it's looking like a lengthy process. Should I speak with the DCA to explain my situation or should I continue to ignore them as per dx100uk's earlier advice?

We struggled to make the payments as a customer went into administration owing us £70k. I missed 2 non-consecutive payments and it was passed to the DCA. The business is just about surviving at the moment.

Thanks for checking for me. £35k is outstanding, plus charges that have been added of about £1500.

Thanks, I really appreciate your help Contract (2) (1) (1).pdf

The CCA says: "We are authorised and regulated by the FCA. Our firm reference number is: 625592 / 900922." Is that the part that would show the loan is regulated?

It does, but it's no longer referenced on my credit report. When dx100uk mentioned sending an SAR, would there be another reason behind the request please?

I'd like to see if I'm attached by personal guarantee still, as I couldn't see a default on my credit report, and I'd like to know what checks were performed before offering the credit (was I checked or my business) What would you advise please?

Thank you, CoT have refused to provide the SAR, do I keep requesting?

Capitalontap replied with the following: "I am aware that you have requested for a Subject Access Request. To obtain the information you need, please get in touch with CO Europe Limited by calling them at 0238 111 2095 or sending an email to collections@azzurroassociates.com." Who should provide the SAR - CoT or the DCA?

Thank you, I really appreciate your help. Capital have refused to speak with me since the debt was sold but I’ll send the SAR to see what info they have. many thanks again,

Thanks for your reply, I really appreciate your help. what type of business was this? sole trader or ltd? ltd when did you take this out? 2021 when did you last pay it? 2022 did you actually sign a separate personal guarantee? it wasn't separate but part of the main agreement how much are they after? £36000 is the registered address of the business the same as your home address? No have you moved since taking this out? No

Hi, Hope you can help. I've received contact from Shire Recoveries who have been appointed to collect a debt by Azzurro Associates. They write: "My Client Azzurro Associates Ltd has acquired from Capital on Tap all of their rights in, to and under the account, with a balance due for repayment of £x" They've provided a copy of the Revolving Credit Facility Agreement I signed with Capital on Tap for my business, which I was the guarantor of. I'm not sure if I deal with Shire or Azzurro. I'm unable to pay the full balance and I don't know what my next steps should be. Hope you can help,