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About Busaman

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  1. Hi folks, Can you help me out here in respect of the data protection act? I'll explain in simple terms. My partner has recently (a few weeks ago) added my name to the tenancy on this local government landlord property. We live together at this property and have done for a few years, our landlords are very well aware of this by the way. All of our income goes into my partners bank account and she pays all of our bills from her bank account. its simpler tnat way and she micro-manages well. Yesterday right out of the blue we received two seperate bills from our water supply company. One to my partner and one to me. My partner rang the water company to ask why and was told that our local government landlords had emailed them with my details and told the water company to add my name to the bill. The water company closed my partners account and opened a new one with my name added to it. Now, my partner is very angry about this because she pays the bill and not the local government landlords. It is her bill and she pays it from her bank account. The problem we have is the local government landlord did not tell us or discuss it with us and neither did the water company. What legal right if any does the landlord have to pass my information on to a thrid party and instruct them on my partners behalf or on my behalf? As fas as we are concernd the water account has nothing to do with our landlords, they don't pay it. If any arrears were incurred it would still have nothing to do with them. We are not in arrears with any payments by the way. We are well aware of the dirty dishonest business of our local government landlords and have just won our compliants against them through one Ombudsman. Our complaints against them is under investigation with another Ombudsman. We do not trust our landlords at all in any way and I can't go into details for obvious reasons. Lets just say they behave much like rogue private landlords and very childishly. I will go to the ICO if needed, not a problem. Any advice will be much apprecaited.
  2. Unless IDS is your local MP he would not reply. Try Emailing your local MP and ask politely explaining the problems and why you need payment asap and see if they can help? They are obliged to answer questions from their constituents, as long as they are valid and polite. Use the: "Find your MP" website. The whole DWP/Appeals/Tribunal situation is a mess.
  3. I 100% agree... appeal.The default position of the DWP seems to be refusal without any grounds to do so.
  4. The only grounds for appeal to the upper Tribunal are if there were any failures in law or failures in the correct legal procedures during the lower tribunal hearing. No one can appeal to the upper tribunal just because they do not agree with the lower tribunal decision. Disagreeing with the decision is not accepted as grounds to appeal. Anyone who wishes to appeal has to write and apply to the lower tribunal for the "statement of reasons" for refusal. But there is a time limit to apply for the SofR. However the length of time the tribunal service takes to reply can be several months. They will not acknowledge your letters either so you must phone them and make sure they have received them. SEND ALL LETTERS RECORDED DELIVERY AND CHECK THEY HAVE BEEN DELIVERED. Once the written statement of reasons has been recieved, there is then 1 month or maybe 4 weeks? maximum to appeal to the upper tribunal by proving clear failure sin law or legal procedures in the lower hearing. You will probably need legal advice on this. No legal reasons = no upper tribunal hearing. If either of those two deadlines are missed then the right to appeal is lost. The DWP saying they will appeal the decision is incorrect, but we all know how the DWP operate.
  5. Because it is too easy using modern computer software to doctor a copy or change it, a photocopy is not good enough to back up you up. There have been cases where the DVLA have refused photocopy evidence for this reason. But it is up to the individual on what course of action they take when returning their old license to DVLA to be changed.
  6. Struggling here with Halifax and lately the ICO. Whilst I do not owe Halifax any money I have a severe grievance with them I will take further. Cut a long story short Halifax say that "a signature" is sufficient an ID check to be able to issue me or anyone else with full details of the signatures bank accounts and openly communicate with whoever writes to the bank from any address they do not hold for the account holders. The ICO has been 100% hard work and their final decision is to agree witht the bank that a signature alone is an adequate security check to be able to release data. The ICO are quiet happy with this after appeal. I totally disagree with the ICO and have strongly put my case that the bank should have asked to see a photo ID driving license, a passport and other proof of identity from me in person in the account holding branch or my local bank branch. This I feel is the only safe way to correctly establish my identity. Having lost touch with the bank for the last 6 years since my RTA, I wrote to them for details of what "if any" monies I had owing to them expecting them to write back to me asking to undertake a formal identity check in line with banking procedures. The bank have no knowledge of my new address from which I wrote. Within days the bank had written to me with full details of my accounts and also my ex wifes accounts without undertaking any formal identity checks. My ex wife is just that, we have not been living together for 6 years and she has never lived at this address. I received welcoming letters from the bank to my ex wife and to both of us jointly offering services from their customer services. I do not accept this to be OK or even adequate protection of my data or my ID or that of my ex wifes. The ICO have now dismissed my case after appeal. Where else can I go ? The final decision letter from the ICO does not give me any more options. I wish to take this further as I have seen nothing from the bank or the ICO to allay my justified fears over my ID or data security for the future. A signature is not a sufficient ID check to start releasing anyones data. My signature is not sufficient to release my ex wifes bank data to me when we havent lived together for 6 years. I wonder what is going on with the ICO in this case?
  7. An important "heads up" on this issue and one I have seen at close hand but not experienced personally. When people send their driving license off to the DVLA for a change of address, or apply for a new one, a replacement etc. The DVLA have a habit of losing a class of vehicle you are entitled to. In particular I am referring to the riding a motorcycle part of the license. Happened to a good friend of mine who sent his driving license off for a change of address and it came back minus his motorcycle group. He passed his bike test many years ago. End result was he couldnt prove to DVLA that he had passed his bike test. It was so long ago that DVLA no longer keep records that far back. He had to retake his bike test and sell his bike. He was the proud owner of a new Suzuki GSXR750 up until then. With having to retake his bike test, he then found when it came to renewing his bike unsurance, he could not get insurance for his current bike because he was technically a new biker having only just passed his test. The insurance companies didnt want to know about the DVLAs mistake and my friend had to sell his bike at a loss and get something much smaller and much older to be able to continue riding. So some people get a signed copy of their license from a Lawyer prior to sending their license off for any changes as proof of their entitlement to drive/ride whichever class of vehicle. The cost of £25 to a Lawyer is far less than the cost of retaking your car/bike or HGV test ! BE WARNED
  8. Hi ! Along the same lines as some of the interesting posts on this thread, can you advise me pls ? I have one last outstanding debt to deal with which was sold to a DCA a few years ago. Last time I made a payment on the debt was over 6 years ago for absolute certain. I slipped out of society after my RTA and faced homelessness and total destitution. I have repaid all of my debts apart from this. Because I have no income and live with quite bad disabilities I do not wish to be forced into paying the DCA. I have received letters from them this year after they obtained my address, all letters were before the 6 year deadline has lapsed. I have not responded in any way. If they decide to write to me again making threats (as they do) what are my options to tell them to go away ? I have no intention of contacting them, but would like to know what to do "if". Many thanks !
  9. Thank you very much. Just sent my appeal to the ICO about their decision. I will be able to share some details when its been settled or not as the case maybe. No names of course The regulatory bodies I find to suffer problems with basic comprehension of a given situation, most frustrating. Could you direct me to the section I might find out about the 6 year rule for credit? I have one last debt that was sold to a DCA and it has been 6 years since I paid anything on that debt.
  10. Hi to all at The CAG I am an ex professional from the construction industry and used to freelance project manage large construction projects up to £600 miilion in value. I was a very highly qualified professional until 2001 when I had a very severe road traffic accident, leaving me with serious lifetime injuries. I am nearly 50 years old but young at heart. In the aftermath of my accident and several rounds of major invasive surgery, many serious undiagnosed injuries, 4 years on elbow crutches and a LOT of PAIN...... I managed to lose everything I had, my health, my 20 year marraige, my Ltd Company, the ability to live with my 2 children and I lost faith in "the system" 100%. After battling for the last 7 years with I.R., the financial vultures, bailiffs, DCs, the FSA, the DSS, various Law firms, my divorce, the Motor Insurance Bureau, various highly paid and very "owned" unprofessional medical expert assessors, near homelesness, constant chronic pain 24/7, chronic PTSD and suspected brian damage..... I am nearly out of the fire ! OK it took me a while to get my sense of humour back. I just do`nt like being kicked when I`m down I have taken on them all and beaten them one by one. I have taken on and beaten 2 firms of Lawyers at senior partner level, taken on IR and beaten them resulting in them paying me compensation, had to defeat at least 4 or 5 dodgy medical assessors, secured the divorce in terms I wanted, had to pull the police online who (didnt) deal with my accident and tried so hard to deny any evidence of the car that hit me, dealt with the bailiffs twice (Lowlifes), dealt with a number of DCs and a whole lot more. I am currently dealing with the ICO and under Valid Data Requests and breach of security by my ex bank. I have a number of CCJs against me since my RTA I need to remove, I have a credit file to repair and one last DC to deal with. So I`m not out of the woods yet..... almost debt free !!!!! If you have an accident like mine, you find the banks and lending agencies are a bunch of totally, parasitic vultures who do not care about your health or what your family is going through. Despite my compensation claims Lawyer writing to my ex bank and their lawyers who were about to take us to court to repo our home, to explain I was badly hurt and would be receiving a fairly large amount of compensation in the future, the bank took no notice at all. Their action failed in court. The arrogance of the financial institutions and so called professionals blinds them to their weaknesses, thats why I win ! Both law firms working on my behalf said that I would make an excellent Lawyer, the one senior partner asked me if I would consider joining his company ? No thanks, I am happy living a quieter life. My daughter inspired by what I have been through is on her 2nd year Law degree. I have been left with my eyes wide open and a very strong sense of justice and injustice, I do not fear anyone or any company. I need your help and I will give my help too if I can. My specialist field is construction, but I am not bad at dealing with the vultures and parasites either ! So Hi to all !!
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