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About caissonsdisease

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  1. Thank you sgtbush. You are right. But empathy gives me the argument that to get what i want i stand to lose a an old and very good friend. I believe he is just as much a victim in this as i am. However, re-looking at the HPI companies including reputable ones such AA and RAC they all seem to offer extended services at extra cost (A Jaw Dropping EXTRA COST) These extra services include the details of every owner the vehicle has had from manufacture to present date. The point i am trying to make is pertaining to my original question. The data protection act specifically states i can only retrieve information about myself by way of an information request and a small fee. Yet these HPI companies seem to have gained legal standing to offer all information on any person to anyone who requests it 'For a large fee'. Now i read a news item a few years ago the the DVLA were questioned over selling data to third party companies. It does seem that the Data Protection Act becomes null and void when personal information is traded on to private third party companies. News Papers have this same legal standing to acquire information on other people, companies or just about anything they want to report about. It is this mechanism of gaining information that i want to know about. How it works. How it seems to be completely impervious to the Freedom of Information Act. Yes, i could quite easily pay for the service offered by RAC and AA but i want to understand how it works first. Thanks. Pat Lane
  2. Thank you for replying dx100uk. Unfortunately, from the point of the logbook being used for a Cashpoint car loan the vehicle went through two other change of hands before it got to me. I am the third person in the chain to buy the car. I know the person from whom i purchased the car from very well. Having spoken to him he is able to provide me with the dealership name and address from where he purchased the car. He is also going to contact this same dealership to see if they will provide details of the person who sold it to them. This, i believe is where the dealership may or may not use the data protection act to not provide the information i require. Is there a request for data information from a third party that i can use. Thanks. Caissonsdisease.
  3. Hello. I am another one to add to the list of finding my car not being on the hpi basic check. Got the car in February and today got visited by two people and a car transporter from Burlington Group acting on behalf of Car Cash Point. The bill of sale was never produced from the Burlington operative when i asked for it, instead proceeded to get the police involved. I should have stood my ground but instead agreed to pay off the remaining debt to keep the car. Wouldn't be able to work without it. All i can do now is find the registered keeper and put my claim to get the money back. My problem is with Car Cash Point & The Burlington Group who refused to give me the name of the registered keeper of the vehicle who got the loan against the car. My initial foray into the Data Protection Act only gives me request for information on myself. Where do i go for a request for information on a person from the files of a private company ie, (Car Cash Point). It has been found that the past keeper of the vehicle had another registration logbook from the DVLA to sell the vehicle onto a dealership the same day they took out the loan. I am in the process of back tracking to the two dealerships the car belonged to before me in order to get the original keepers details. However i feel they will also abide by the data protection act. How do i legally get this persons details. Thank you. Caissons Disease. (Ex diver)
  4. I too have the misfortune of being missold a Personal Protection Insurance in 2004 from a company called Beneficial Finance! Beneficial is a subsidiary of HFC, which is a subsidiary of HSBC? I have never been happy about the PPI from the moment I signed their contract and have made my feelings known to Beneficial basically from that time onwards. Most of my actions to cancel the PPI have ended in irate telephone conversations with their call centre staff not calling back and ignoring me altogether! I tried to claim off the PPI in December 2006 when I was made redundant. My request was completely ignored. No one from Beneficial phoned me back, and I didn’t receive any claim forms whatsoever! In 2007 I complained to Beneficial from February to September that the PPI was no longer fit for purpose demanding its cancellation and money returned immediately! Every letter I sent was ignored, and not one telephone query was followed up. In November 2007 I decided to stop repayments until the complaint was sorted out. 1. Why I hadn’t received a claim form. 2. Why there had been no official correspondence from Beneficial/HFC. Only then did Beneficial/HFC contact me on a regular basis, of which all came from a higher level of management. I submitted a third written complaint about one of the area managers for Beneficial/HFC only to find the person I had put the complaint about was handling my complaint? I submitted a fourth complaint about their ‘Front Loading System’ not being disclosed at the time of signing of the contract and goes against the agreement itself by not adhering to the 60 monthly incremental repayments and non disclosure of exactly where the repayments were going! I now have two letters from senior complaints managers directly contradicting each other. One stating that the front loading policy was initiated to recoup the PPI in the first year of repayments? And a second letter stating that this is not the case?? My efforts to pin a complaints manager down to directly answering question has been met by the removal and change of no less than four managers dealing with my case. I have to date ‘flooded’ all of them with registered letters of complaints as proof of correspondence. There is without doubt a stonewalling and damage management operation in effect? With my situation of refusing to pay until the problem is sorted out brings out two separated areas of contention. The complaints department of Beneficial/HFC is actively ignoring my correspondence and complaints against them presumably until the Financial Ombudsman Service makes a decision. The Beneficial/HFC repayments department is actively perusing ‘alleged’ arrears regardless of a legal query or complaint flagged against the account? Their argument is that I have a contractual obligation to complete repayments. My reply is that they broke the agreement by misselling practices of the PPI, not disclosing information pertaining to ‘front loading’ on the agreement, and not providing claim forms for redundancy? Beneficial/HFC are knowingly chasing repayments that are currently under investigation of fraudulent misselling practices. With this in mind, I have written to my fifth allocated manager informing them ‘I will start repayments immediately’ if they provided a letter stating that they are aware that accepting my repayments maybe illegal and fraudulent on their part and are currently being investigated for these reasons. I do not expect my proviso for repayments to be accepted, but I intend to chase Beneficial by writing back accusing them of not accepting my repayment offer! I will ‘with the permission’ of this forum make all correspondence public and available if it is deemed to be of use. Regards CaissonsDisease. Aka Pat.
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