cabot and EGG Card debt - GDPR data request received

[chess321]

Hi all,

 

I have submitted a GDPR request to Cabot for an old credit card debt which I was paying of as part of a DMP I had until a couple of years ago (and stopped paying as I did ask for the CCA and cabot did not comply).

 

Cabot provided all the information they “had”.

They provided (as part of the GDPR the CCA )

however there is no mention or any confirmation that the debt was passed on to them or any correspondence made by them that they now owned my debt

(i.e from the previous company, initially Egg, then “according to the notes I could find from Cabot “ idem

but absolutely no mention of any communication of either purchasing the debt or correspondence made to me notifying that they were the “rightful” owner” …

 

.not sure if the above makes sense ..

I was under the impression that a Debt management company had to prove that they actually owned the “debt” and had to ensure the debtor was notified IF the debt was sold or no?

 

Also it seems that several letters which I have received were not attached to the “GDPR” documentation (thought again they had to provide a copy of any correspondence sent?)

[Andyorch]

Your request should have gone to the Original Creditor...DCAs after assignment only hold the bare minimal data.

 

Thread moved to

Data Protection and Default Issues Forum

 

 

Andy

 

CAG will be CLOSED due to a major upgrade from 14:30PM Tuesday 26th 2019 for at least 48hrs and will only be available be in Read Only status during this process

[London1971]

Original Creditor GDPR request will give you the exact date of your last payment, and the date it was sold on.

[dx100uk]

just ring the OC and ask them

far simpler!

[chess321]

Right, thanks for all replies,

 

I can ask Egg for the GDPR but nevertheless if Cabot now “Owns” the debt (this is what they are stating ) they should have a copy of the notification made to me when they “acquired” the debt (egg never notified myself and considering Egg as a company does not exist anymore do not think there would even be a copy of a notification made to myself letting me know of the debt being passed or any communication made).

 

In the documentation received there are several copies of letters from them from 2016 but NOT until one in 2018

(after I told them unless they provided proof of myself owning the debt I would not make any payment) when they stated “they” owned the debt.

 

Also quite a few of the communications they sent to my home address are missing (thought the whole point of the GDPR was to provide ALL information ).

 

All they provided (as proof, is a copy of the CCA agreement signed in 2005 signed with Egg).

 

Questions are, is the CCA enough they “Own” the debt?

Or should they provide further proof etc?

[chess321]

@dx100uk thanks but struggling to get the current address to get correspondence address for egg?

[chess321]

Ignore! found it.... City bank

[dx100uk]

Canadian square operations.

 

see the EGG forum stickies

[Andyorch]

Well if your not paying it anyway....does it really matter who now owns it ?

[chess321]

@Andyorch Andyorch yes it does as I want to ensure IF they can then prove i own the debt and take me to court I have enough evidence... so yes I am trying (after years of hiding my head in the sand ) to sort out the mess I made 10 years ago .... and one way or another I want to avoid to be pulled back onto it.... (if they can prove they own the debt I can make a full and final offer for x amount if they can not, I could then tell them to j g on....)

[dx100uk]

you mean notice of assignment.

 

you say idem have had their hand on this too?

when did you take the card out?

 

retitled and moved to the EGG forum

[chess321]

hi sorry as usual I guess I manage to make more confusion than anything! I do wonder myself how I function sometimes Right indeed I do mean the notice of assignment, NCO (not sure where I got Idem from! .... I mixed up two debts ignore Idem ..) the card was taken on in 2003 ...

[dx100uk]

NCO are part of the cabot group

 

just type

no need to do silly brackets and everything

[chess321]

ok. Ultimately there is no Notice of assignment in the communication received, I presume next step would be to write to canada square to see if they Egg ever sent any notification, which I doubt