I've Been Sent Someone Else's CCA !!!??!!!

calamoli · 7th May 2009, 10:35

Hello again, I did say I post this subject as a seperate thread when I had time, so here it is, as I realise it may well be of interest autolinker.com autolinking image

to others who did not read my other post.

Basically, we sent off CCA requests & heard nothing on that subject for a good 2 months, then last saturday, we recieved a short letter acknowledging requests but we had not signed the letter, bla, bla, bla.
Our letter was on top of a thick bundle of A4 sheets (which until I read our letter, I presumed were the CCA's we had requested). But on reading them, they were the CCA for a loan for a completely different customer

No connection to us whatsoever: different name, different area of the country. I'm really shocked & disgusted - this could happen to any of us & as you are reading a post on Egg's help forum, I could actually now be in possession of a CCA belonging to one of you.
So my question now is what's the best thing to do? Should I contact this person & tell them what has happened? I don't feel 100% happy to just return it to Egg, as then it will just get covered up & I don't think they should get away with that - or am I over reacting? Any thoughts or advice would be great. I'd also love to know if this has happened to anyone else?
Regards,
Michelle.

steven4064 · 8th May 2009, 00:10

Michelle

You could send it to them, give them the address of this site (they may not be a member yet - not all Egg customers are, unfortunately) and tell them they ought to make a claim against Egg under the Data Protection Act 1998.

You should complain to Egg as well

calamoli · 11th May 2009, 13:14

Thanks for your advice Steven. I'll get onto that & I will tell the other party about this great site, especially as it I have now noticed that they are currently using a claims company (which I have looked up & it seems they charge a large up front fee for their services.)
Regards,
Michelle.

emmar · 12th May 2009, 22:31

OMG thats terrible, it wasnt mine was it? Ive been waiting for ages!

gill5blue · 12th May 2009, 22:54

Hi
I received a response to my CCA request and received EIGHT other peoples, as well as mine.
I informed (and enclosed copies) to the Information Commissioner`s Office. They are now looking into it.
I forwarded thae copies to the proper owners and included a covering letter and told them to also inform the Information Commissioner`s Office.
I then informed lowells(representing CAPITAL ONE). They responded by saying they have now closed the account (WAHOO), but I will be responding soon to make sure if there is a default against the account that this will be removed and to make sure there is nothing against my credit report autolinker.com autolinking image

. I may not request payment for letters , envelopes, stamps, ink, my time etc, for me doing the public spirited thing, it was a pleasure.
Good luck to you
gill5blue

calamoli · 9th June 2009, 15:24

Sorry emmar & gill5blue, I've been away again for treatment (long story) so i've only just seen your input on this thread. Thanks for responding, it's always good to hear other stories. Hope your CCA's turned up by now emmar? Mine hasn't - what a fab company they are. 8?? different CCA's gill5blue - I thought I had problems. What a bunch of no hopers. Just been looking at your list of successes, well done you! I'm having major problems with HSBC now, have posted as couldn't find info I needed, but no replies. Feel a bit invisible, everyone's great but so busy & I don't like to bug people. Anyway, thanks again both of you for your input & best wishes to you - keep up the good work!

steven4064 · 9th June 2009, 16:25

Calamoli

Start a new thread in the HSBC forum - you should get specific help then

angry cat · 10th June 2009, 13:35

This is nothing new for Egg, it has been going on for some years;
they have their knickers in a twist...!

7th May 2009, 10:35	#1 (permalink)
calamoli Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Nov 2008 Posts: 28	I've Been Sent Someone Else's CCA !!!??!!! Hello again, I did say I post this subject as a seperate thread when I had time, so here it is, as I realise it may well be of interest to others who did not read my other post. Basically, we sent off CCA requests & heard nothing on that subject for a good 2 months, then last saturday, we recieved a short letter acknowledging requests but we had not signed the letter, bla, bla, bla. Our letter was on top of a thick bundle of A4 sheets (which until I read our letter, I presumed were the CCA's we had requested). But on reading them, they were the CCA for a loan for a completely different customer No connection to us whatsoever: different name, different area of the country. I'm really shocked & disgusted - this could happen to any of us & as you are reading a post on Egg's help forum, I could actually now be in possession of a CCA belonging to one of you. So my question now is what's the best thing to do? Should I contact this person & tell them what has happened? I don't feel 100% happy to just return it to Egg, as then it will just get covered up & I don't think they should get away with that - or am I over reacting? Any thoughts or advice would be great. I'd also love to know if this has happened to anyone else? Regards, Michelle.

8th May 2009, 00:10	#2 (permalink)
steven4064 Site Team Is your bank avoiding its debts Data disclosure poll Cagger since : Dec 2006 I am in: Lancashire Posts: 13,797	Re: I've Been Sent Someone Else's CCA !!!??!!! Michelle You could send it to them, give them the address of this site (they may not be a member yet - not all Egg customers are, unfortunately) and tell them they ought to make a claim against Egg under the Data Protection Act 1998. You should complain to Egg as well __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

11th May 2009, 13:14	#3 (permalink)
calamoli Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Nov 2008 Posts: 28	Re: I've Been Sent Someone Else's CCA !!!??!!! Thanks for your advice Steven. I'll get onto that & I will tell the other party about this great site, especially as it I have now noticed that they are currently using a claims company (which I have looked up & it seems they charge a large up front fee for their services.) Regards, Michelle.

12th May 2009, 22:31	#4 (permalink)
emmar Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Mar 2009 Posts: 25	Re: I've Been Sent Someone Else's CCA !!!??!!! OMG thats terrible, it wasnt mine was it? Ive been waiting for ages!

12th May 2009, 22:54	#5 (permalink)
gill5blue Basic Account Holder Free trial on our eBay auction sniper Cagger since : Apr 2007 Posts: 436	Re: I've Been Sent Someone Else's CCA !!!??!!! Hi I received a response to my CCA request and received EIGHT other peoples, as well as mine. I informed (and enclosed copies) to the Information Commissioner`s Office. They are now looking into it. I forwarded thae copies to the proper owners and included a covering letter and told them to also inform the Information Commissioner`s Office. I then informed lowells(representing CAPITAL ONE). They responded by saying they have now closed the account (WAHOO), but I will be responding soon to make sure if there is a default against the account that this will be removed and to make sure there is nothing against my credit report. I may not request payment for letters , envelopes, stamps, ink, my time etc, for me doing the public spirited thing, it was a pleasure. Good luck to you gill5blue __________________ 21.06.07 GHD repaired free of charge 30.03.07 S.A.R - (Subject Access Request) Woolwich(bank account) 28.04.07 recieved full refund £260.00 Woolwich WON 22.05.07 CCA MBNA(credit card) nothing recieved yet 26.05.07 sending no acknowlegement of debt 01.12.08 mbna have gone silent 22.05.07 CCA WOOLWICH BARCLAYCARD(credit card)26.05.07 sending no acknowledgement of debt 01.11.07 ACCOUNT WRITTEN OFF-----------WON 22.05.07 CCA BARCLAYCARD(Mastercard)(c redit card)26.06.07 sending no acknowledgement of debt 01.04.08 court case stayed 22.05.07 CCA BARCLAYCARD(VISA)(credit card)22.05.07 TO 22.07.08 correspondence 10.09.08 ACCOUNT REDUCED TO ZERO-----WON 22.05.07 CCA CITI (credit card)22.05.07 TO 22.07.08 correspondence dec 2008 citi have gone silent THANKYOU CAG

9th June 2009, 15:24	#6 (permalink)
calamoli Basic Account Holder Protect your signature with SignGuard Cagger since : Nov 2008 Posts: 28	Re: I've Been Sent Someone Else's CCA !!!??!!! Sorry emmar & gill5blue, I've been away again for treatment (long story) so i've only just seen your input on this thread. Thanks for responding, it's always good to hear other stories. Hope your CCA's turned up by now emmar? Mine hasn't - what a fab company they are. 8?? different CCA's gill5blue - I thought I had problems. What a bunch of no hopers. Just been looking at your list of successes, well done you! I'm having major problems with HSBC now, have posted as couldn't find info I needed, but no replies. Feel a bit invisible, everyone's great but so busy & I don't like to bug people. Anyway, thanks again both of you for your input & best wishes to you - keep up the good work!

9th June 2009, 16:25	#7 (permalink)
steven4064 Site Team Free trial on our eBay auction sniper Cagger since : Dec 2006 I am in: Lancashire Posts: 13,797	Re: I've Been Sent Someone Else's CCA !!!??!!! Calamoli Start a new thread in the HSBC forum - you should get specific help then __________________ Steven Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial Do you want to know if a credit agreement is enforceable? Rather than sending a PM about a particular agreement, see Consumer Credit Agreements My Claims GE Money Won unconditionally May 2007 NatWest Claim 1 Won unconditionally August 2007 NatWest Claim 2 Statements received - on hold NatWest Claim 3 LBA sent - on hold Brighthouse Won unconditionally August 2007 Goldfish *Won unconditionally April 2008 (including CI on the basis of Sempra)* Next Catalogue - Statements recieved Clydesdale Financial Services Won unconditionally February 2008 Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site. Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

10th June 2009, 13:35	#8 (permalink)
angry cat Gold Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Feb 2006 I am in: A FILING CABINET Posts: 5,642	Re: I've Been Sent Someone Else's CCA !!!??!!! This is nothing new for Egg, it has been going on for some years; they have their knickers in a twist...!