Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1

    Default M+S Sent my CCA return to someone else - now offering 20??

    Hi, Please see attached. Your comments would be appreciated.

    Attached Files Attached Files

  2. #2

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    What an absolute nause!

    I would possibly spend my time letting the ICOicon know of this data breach......


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  3. #3

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    Thank you for your reply BB. I wonder if there is a precedent (i'm sure there must be) that could guide me in the most effective way of dealing with this?


  4. #4

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    do you have a full copy of the info they sent the wrong person

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  5. #5

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    No, I haven't received anything from M&S regarding the CCA Requesticon, which incidentally was sent to Cabot.

    Cabot replied stating they "have requested the relevant details, which will include a copy of the credit agreement, statement of account and original and varied terms and conditions from the original lender".

    This reply was dated 26 March 2018.
    I then received the M&S letter dated 30 April, but no copy of what they sent.

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  6. #6

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    write to M+S ask them for a copy of all the information they wrongly sent to the wrong person

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  7. #7

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    Have written and am awaiting reply


  8. #8
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    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    Under article 17 of the new GDPRicon coming in force 25th of May, they are obliged on enquiry to inform you of everyone with whom they have shared data. They also obliged to contact the data controllers and to organise the erasure of any data which should not have been shared or which you have eventually asked to be erased.

    The 20 compensation is insulting – and it is not even compensation. It is simply to cover the expense of registering yourself on a fraud database. I should certainly make a complaint to the ICOicon. Send a copy of the letter.

    It's up to you what you want to do – but in the circumstances I would consider setting about obtaining a court judgement for breach of statutory duty in that they have breached the data protection act. I think you should threaten them with this in a letter before claimicon and tell them that you want a sensible proposal for compensation and that if you do not receive one within the 14 days then you will start a county courticon action for breach of statutory and without any further notice. Your chances of success are better than 95%. In fact they would be crazy to defend it – and I feel that it is highly likely that you will get a call from them and a sensible offer.

    However, they may be stupid just like the conventional banks and preferred to spend hundreds or even thousands of pounds trying to block your claim rather than to settle it for a reasonable amount.

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  9. #9
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    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    Quote Originally Posted by dx100uk View Post
    write to M+S ask them for a copy of all the information they wrongly sent to the wrong person
    an excellent suggestion – you should also ask them to copy you in to every piece of correspondence they have in relation to this – in particular the correspondence that they engage in with any third parties as to the erasure of the data.

    You will also want to have confirmation from the third parties that the data is erased. You will have to achieve this by sending off SARs to them on 25 May. The whole thing is an incredible nuisance and it is certainly worth some compensation. I suggest that you go for 300 or 400

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  10. #10

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    Thank you BankFodder. I shall make a complaint to the ICOicon while waiting for the reply from M&S, in the first instance.


  11. #11
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    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    By the way, don't forget that the M & S bank is subject to BCOBSicon. A BCOBSicon judgement against them would cause them enormous embarrassment I can imagine that they would want to go to considerable lengths to avoid this.

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  12. #12

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    I wrote to M&S to tell them their 20 gesture was insulting and that, if I didn't receive a sensible offer I would send a letter before actionicon.

    Just received a lettericon from M&S saying "sorry we've caused you upset".
    Other details extracted from letter....

    As the breach of data occurred before 25 May 2018, article 17 of GDPRicon isn't applicable.
    "The ICOicon has contacted us to confirm they're aware of this breach and that we should deal with the matter internally....."

    "As your data was sent to another data subject, it wouldn't be appropriate for us to confirm their name to you."

    "The third party who received your information from us incorrectly notified us of the breach.
    They returned the documentation sent to them in error, at our request."

    "I've applied a further credit of 105 to your M&S Credit card account........and brings your total compensation for this matter to 125"

    ".....if you chose, you could use 20 as payment for CIFASicon Protective Registration for 2 years".

    What do you guys think?


  13. #13

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    Received no credit to my account despite the promises above, so I wrote to them. Have just received a cheque from M&S Bank for 75. Accept, or letter before actionicon? Your suggestions would be very much appreciated. Why have they not sent 125 as promised above?


  14. #14

    Default Re: M+S Sent my CCA return to someone else - now offering 20??

    dunno copy them the letter and ask them?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
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