Marc Gander - The Consumer Survival Handbook


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

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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. #21
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    Default Re: Lending Stream GDPR failure

    Hi Jon,
    Would you mind posting or sharing what you put down on your particulars of claim please? I have just sent an lbaicon to HSBC UK for non-compliance of a DSAR (under GDPRicon).


  2. #22
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    Default Re: Lending Stream GDPR failure

    will do later when I'm home


  3. #23
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    Default Re: Lending Stream GDPR failure

    1) the claimant held and account with lending stream under the acct no ..............

    2) On DDicon/mm/yy the claimant sent Lending Stream a Subject access requesticon under the General Data Protection Regulations (GDPRicon)

    3) Under the GDPRicon Lending Stream has 30 days to satisfy this request to date they have not fulfilled this request and the claimant claims £xxx for damages and distress.

    these are the POCicon I filed and it got queried by the courts as they asked for the legislation I was relying on but it has now been served on LS after confirmation, maybe one of the others could check and amend


  4. #24
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    Default Re: Lending Stream GDPR failure

    just received this -

    Dear xxxxx

    This is in continuation to our previous email dated 13th July, 2018. We apologize for the delay in sharing our response.

    Thank you for waiting while we were gathering the requested information. We understand that you were concerned about the information shared by us in the email dated 4th July, 2018 and you believe that it was incomplete. Hence, we have gathered all the requested information and would like to share our findings.

    To begin with, as you have requested for the copy of complaints data; we have attached all the relevant complaints data relating to your loan accounts. Also, we have attached the transcript and email communications shared with you in regards to your loan accounts.

    For your concern about your information and data being processed, we would like to inform you that as a responsible lender we are required to report the status of your loan accounts to the credit bureaus on a regular basis and if you require any further information in regards to your credit file, you may contact them accordingly.

    Please be informed that the information provided at the time of borrowing serves an important part to perform the affordability checks and to enable your credit agreement to be serviced. And your data is only processed for purposes in accordance with the specific consent you have provided.

    Also, as stated above, your data is not available for any automated processing. It is only used in accordance with the consent provided by yourself for the processing of your credit agreement, including that appropriate affordability and credit worthiness assessments are carried out. Also it is required to ensure that financial transactions between ourselves and yourself are actioned appropriately and legally required credit reporting is fulfilled. Please be assured that the administration of our customer records is maintained appropriately.

    For your reference we have attached all the relevant documents. We hope the above helps and addresses all your concerns.

    Hence, please consider this as our final responseicon towards the matter.


    I replied with -

    Dear Sir/Madam,

    Thank you for your email below. As stated in my email of 04/07/18 this is now subject to a county courticon Claim issued in Langanside Courts Belfast on 03/07/18 under ref 18/064158. This has been served at your business address - Lending Stream, Wysteria Grange Barn, Pikes End, Pinner, London, HA5 2EX.

    As you are still deficient in the information you have provided in my DSAR I shall be pursuing the Claim, please respond as you see fit to the Courts paperwork.

    If however you are willing to discuss this without the needs of involving the Courts I am willing to remove my claim on the following conditions-

    a) All documentation that you hold on myself is disclosed
    b) Compensation in the amount of £100 is paid to myself
    c) I am reimbursed the Court fee of £35

    As you are aware the courts regard themselves as the last resort to sort out differences and if you do not accept this proposal I shall produce this email as evidence of my willingness to resolve this issue without involving the Courts.

    Regards

    This see what their reply is, the claim formicon was posted on Monday so they have received it.


  5. #25
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    Default Re: Lending Stream GDPR failure

    Well, lending stream didn't contest or defend the claim so I've applied for a default decree

    @andyorch do you know how I would go about enforcing this in England as it is a NI decree?


  6. #26
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  7. #27
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    Default Re: Lending Stream GDPR failure

    thanks Andy but they can't help as the value of the claim is under £600 I'm trying to get hold of the local court to see how to get it transferred but cant get through


  8. #28

    Default Re: Lending Stream GDPR failure

    We could do with some help from you

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  9. #29
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    Default Re: Lending Stream GDPR failure

    £250 plus £35 costs


  10. #30

    Default Re: Lending Stream GDPR failure

    Not much you can do with that.....should have gone for at least £1K

    https://www.gov.uk/make-court-claim-...rce-a-judgment

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  11. #31
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    Default Re: Lending Stream GDPR failure

    I have no problem doing that Andy, but my problem is no one seems to know how to transfer a CCJ from Northern Ireland to an English Court

    The enforcement of judgments office in NI has no jurisdiction in England


  12. #32

    Default Re: Lending Stream GDPR failure

    It would have probably been simpler to issue your claim initially out of jurisdiction...still here are some links but it does not state the minimal value decree required.

    I have also just checked and you cant serve a TPDO out of jurisdiction.

    https://www.nidirect.gov.uk/articles...claims-process

    http://www.alex-m-adamson.co.uk/inte...nal/enfUK.aspx

    http://www.justice-ni.gov.uk/article...dgments-office

    Regards

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  13. #33
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    Default Re: Lending Stream GDPR failure

    Well all as a final update to this, I've just had a call from Lending Stream requesting my bank details so they can process the payment

    Hopefully this will be the end of this they have also stated they will forward all the missing items from my DSAR within 7 Days


  14. #34

    Default Re: Lending Stream GDPR failure

    Well done let us know when you have payment and we will update your thread title.

    Regards

    Andy

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  15. #35
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    Default Re: Lending Stream GDPR failure

    well, payment went in this morning and my missing info turned up

    made a donationicon as well

    Thanks, Jon


  16. #36

    Default Re: Lending Stream GDPR failure***Success***

    Many thanks Jon.....thread title updated.

    Regards

    Andy

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