Jump to content


  • Tweets

  • Posts

    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Scar vs Natwest


isidore
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6094 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Having had much success using this site (and telling the whole world what I've done!!) a friend of mine has asked me to help him with his and his partner's accounts. They have been in financial difficulty over the years, so will be interesting to see what arises from the SAR.

 

SAR sent off today for 1 (his) bank account.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

That's what I was hoping :D

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

My mate has received a letter back saying that he has not supplied the account number and sort code. I'm not happy! To explain, the reference on my first letter reads:

 

Account Number 123456 12345678

 

123456 being his sort code and 12345678 being his account number. I have seen this way of writing account numbers down before (probably with RBS). Even if it wasn't, it's PLAINLY obvious what they are. Nevertheless I should know by now, you can't give them any room to delay you.

 

I have therefore sent them the prelim back with the following added to the bottom:

 

I would like to point out that this is the second letter I have had to produce as you returned my first cheque stating that I did not supply my sort code and account number. The first letter was written with the reference:

 

ACCOUNT NUMBER: 123456 12345678

 

This is quite clearly my sort code and account number and I am disappointed that you have used this as a reason to delay my request. I therefore insist that the deadline from my original request stands. This letter has been sent recorded delivery and should therefore reach you by xxx. At this point, you will have xx days left to fulfil my request.

 

Should I not receive my statements during this period, I will be forced to make a complaint to the Information Commissioner’s Office.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 3 weeks later...

Right I really don't know what is going on here. And I'm beginning to lose my patience with this bank already!!

 

My mate has received another generic letter today roughly saying

 

"with reference to your DPA letter, we are unable to proceed because....."

 

It then has multiple choice and the one ticked says

 

"we can only locate account numbers with numerical references" or something to that effect.

 

Now they have attached a copy of the letter I sent, I have asked my mate to read out the bit where I put account number / sort code to ensure it is correct (we have some statements so have double checked it's correct - it is) and what's even more annoying is they have also enclosed his cheque and on the back of it is written HIS ACCOUNT NUMBER AND SORTCODE!!!!

 

WTF am I missing here? What are they playing at?

 

 

I am desperately trying to refrain from sending a letter including the words "useless morons" in, am writing one up and will post it shortly. Would appreciate any insight into this if anyone has any?

 

 

Btw, what I forgot to put in the previous post is that as well as the little snippet I quoted, I also wrote ACCOUNT NUMBER: 12345678 SORT CODE: 123456 at the top of the letter too.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

One question......does my 40 day deadline still start from the date of my first letter?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Right, I have drafted this together. I have toned this down loads and still it sounds really sh**ty when I read it back lol. Any opinions???

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: 12345678

SORT CODE: 123456

 

 

I am responding to your letter dated xx/xx/xx. I am extremely disappointed by your response and feel that you are purposely obstructing my request. You have stated (for the second time) that you are unable to locate my account as I have not supplied you with an account number or sortcode and have also returned my cheque.

 

I have enclosed, for your benefit, the two letters I have sent you previously (referenced as A and B) and have highlighted on these letters the account number and sortcode which you have TWICE told me I have failed to provide you with. I would also like to point out that at the top of THIS letter – again highlighted – is the account number and sortcode of the account I am seeking information on.

 

I have also enclosed the original cheque that you have returned to me TWICE and would like to draw your attention to the back of the cheque you returned to me. You have written down my account number and sortcode!!! So even though you feel that this is not my account number and sortcode, you felt drawn to write this random sequence of numbers on the back of my cheque? For final confirmation, just in case there is any doubt in your minds as to what my account number is, I have provided you with one of my statements. Again, for your benefit, in case you have any doubt, I have highlighted the account number and sortcode.

 

I do not expect to receive another returned cheque – I would hope that you have enough proof that this is in fact my account number and sortcode to provide me with what I originally asked for. That is a full disclosure of my banking history with you including, but not limited to a full set of historical statements. For full details on my request, please refer to letter A or B. Please DO NOT attempt to delay my request any further otherwise I will make an official complaint to the Information Commissioners Office with regards to the sheer audacity you have shown in insisting that I have not provided you with the correct information.

 

Please be very clear of my intentions – I will be filing in the County Court on the morning of xx/xx/xx for Non-Compliance if I do not receive the documentation requested by 5pm xx/xx/xx. Please be aware, a post-marked envelope bearing the date of xx/xx/xx does not mean I have received the documentation, unless you have my signature as having received it on the xx/xx/xx.

 

I shall not enter into any further correspondence on this matter. I require you to forward by means of royal mail “Special Delivery” all requested documents and recordings to my home address no later than xx/xx/xx. It is your responsibility to execute this task, ensuring all items are secure and undamaged before posting.

 

Yours faithfully

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 4 months later...

Not kept this up to date as I've been off on paternity leave.........

 

 

As of today, Natwest have still not sent him his statements. That is over 160 days since first requested. Due to the new arrival, I hadn't progressed this as I'd have liked, but having picked it up again recently, I have sent a complaint to the ICO and a brief letter to Natwest telling them I have done so, telling them how dispicable they are for not sending the requested statements and asking that they resolve this amicable before I go to the courts.

 

Will wait and see if they respond. They have until the end of this week to send them before he takes them to court.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...