a response to DCA for a credit card debt
I created this notice today with help of debt validation chatbot, I would appreciate comments regarding it's validity and whether it's correctly issued, if anything should be added or removed. Planning to send it on Monday. Thanks in advance Notice Subject Access Request, Restriction Request (Article 18) and Objection to Processing (Article 21) This formal Subject Access Request is made pursuant to Article 15 UK GDPR and Sections 45–54 of the Data Protection Act 2018. For the avoidance of doubt, I also reserve all equitable rights and remedies, and I place you on equitable notice that any reliance on alleged assignment, title or authority must be evidenced with accuracy, candour and clean hands. Royal Mail Reference Number: From: To: Date: Your reference number: Your client reference number: For identification, I provide your internal reference numbers and a redacted utility bill showing my name and address (a mobile phone bill qualifies as a utility bill for this purpose). You have no lawful basis to demand photo ID, passport, driving licence or biometric identifiers; such a demand would be excessive and contrary to GDPR Articles 5(1)(c) (data minimisation) and 5(1)(a) (lawfulness, fairness, transparency). Frischmann v Vaxeal Holdings SA [2023] EWHC 2698 (Ch) confirms the requirement of signature under the hand of the assignor. Technocrats International Inc v Fredric [2004] EWHC 692 (QB) confirms that a non-compliant assignment creates only an equitable interest. W F Harrison & Co Ltd v Burke [1956] 2 QB 454 confirms that a defective notice defeats statutory assignment. Van Lynn Developments Ltd v Pelias Construction Co Ltd [1969] 1 QB 607 confirms the debtor’s entitlement to sight of the deed. Promontoria (Oak) Ltd v Emanuel [2021] EWCA Civ 1682 confirms that a Notice of Assignment alone is insufficient. Lord Denning MR affirmed that a debtor is entitled to inspect a deed to verify any alleged assignment, and that withholding such evidence frustrates the debtor’s right to know the true creditor.