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cashins

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cashins last won the day on February 16 2010

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  1. Thanks very much for the replies. I have asked them for a final response which I doubt I will get so I will let it time out and then send it off to OFGEN. I don't really expect anything to come of it other than to make OFGEN aware of how bad the service from this company is. If enough people complain, something may be done. I think Scot Power are probably going to have a bigger problem with the chap who took over the property next door as in their wisdom, Scot Power e-mailed me a copy of his lease contract for the building which is obviously a confidential document. He was not happy to say the least when I showed him and intends to take that further with the Data Commissioner and court action if he gets no satisfaction. Cheers Cashins
  2. We now live in Spain but still have a house in England that our son lives in and Gas/Elec is by Scottish Power. Going back to Oct of last year the commercial property next door, (Which also use Scot Power), had a new tenant and when they transferred the billing details, Scot Power made a hash of it and transferred our account to them. After many phone calls, during which all of there agents told me it was sorted out, nothing changed. After months of this and despite their agents doing their best to talk me out of it, I sent a formal complaint in. Suprise, they then got on it and sorted it out and they were very sorry etc and could they then close the complaint. When I pointed out that the complaint was about the fact that it took 3 months to get it sorted out, not that it was fixed now, they just say very sorry, can we close the complaint. On asking if that is their final response, I just get very sorry, can we close the complaint. As I understand it, to forward the whole thing to OFGEN, you need to have a final response. How do you proceed if They won't give one? Any help would be most appreciated Cashins
  3. This was resolved to my advantage.
  4. If you receive it. Mine was a 1998 vintage MBNA that was unenforceable as they couldn't find one. There were some issues regarding MBNA agreements from this era but I cannot remember what they were, as I didn't really need to know. You best bet is that, if they send one, post it up (blank out name, address, account numbers etc that could identify you.) There are plenty of people on this site that can tell you the score on it. Also bear in mind that they can't go to court with a reconstructed agreement and T&C's from that period, it needs to be the original. David
  5. No response at all to the LBA, (checked, was delivered). Need to bone up on the DPA to find exact clause they are breaking (duty to ensure data is accurate) then put together a POC David
  6. Thanks Stig I will give it a go. David
  7. Can anyone tell me the name and address of the above. Background is that back in 2005 the posted a financial association with a person I know to be a debtor, but being so long ago, they have no idea why it was posted. This has been rattling around their complaints dept for some months now, going nowhere. They are saying that they want me to forward a copy of my current credit report before they will remove it, (despite the fact that it would not show information from 2005). In short I think they are just messing me about. I am now minded to send a letter before action to their data controller. Would that be the right person? David
  8. Yes, but with some companies they may be signing for multiple items, in which case it is difficult to link the signature to your item. David
  9. I would agree that regal are low risk. The letter is a typical 'fire and brimstone' threat o gram and I had contact with them some time ago which turned out to be all hot air. David
  10. I am pretty accurate on what debts I owe so have no unknown. All of the debts became Stat barred certainly, with all having cause for action, (when 1st missed payment became due, no further payments and no ackowlegement of the debt) April/May 2014. If the searches don't show however, not worth getting my knickers in a twist over it. Thanks for the info guys David
  11. Just got info for all 3 CRA's and found a search by the above last year. As I understand it this will stay on for 2 years. Simply says 'Unrecorded enquiry'. So I have no idea what it relates to. 2 questions: 1. Is that type of enquiry visible to lenders? 2. How can I find out what it relates to? This entry is historical, however all accounts in arrears became Stat Barred April/May this year. What would be the position if they again search my file when they are Stat Barred? Not very well up on the rules regarding searches so any help would be greatly appreciated. David
  12. Don't know if it was Clydsdale Financial Services T/A Barclay Partner Finance, part of Barclays Plc, answerable to the Barclaycard division that was providing point of sale finance to Computeach at that point. They eventually withdrew from the training marketplace. David
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