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stopstealingmydata!

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About stopstealingmydata!

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  1. Thanks Andy, and especially you Steampowered. I appreciate all your help. They will also be refunding my court fee. Hopefully I'll never darken you doorstep again, but I must say this forum is top class. Thanks again J
  2. Well it seems as though my 'arrogance' has paid off. Received an email this morning offering me full price of a brand new iphone and relinquishment of contract. I'm not entirely fussed about the insurance costs - my main concern was getting a phone that works properly, as well as escaping my contract. I knew the mobile phone operator was wrong doing what they did and am happy to say they have finally seen me right! Thanks so much for your help. J
  3. Sorry to hear about that! The thing is, Orange/EE seem to be a law unto themselves as far as iPhones are concerned and I feel they seem to laugh in the face of what are consumer rights. I really hope I'm successful, but you never know! Hopefully the judge isn't a fan of the company!! I'll obviously keep this post updated. Cheers J
  4. Hi steampowered. Thanks for getting back. The terms and conditions found on their website for the insurance state: 'Whether your mobile device has been lost stolen or damaged or it decides to stop working, you have the reassurance that we'll get a replacement device out to you within 24 hours, It also goes on to state the phone is covered for: 'Loss, theft, damage plus warranty cover against electrical or mechanical breakdown for 36 months, PROVIDED BY EE' The last sentence seems to be the issue, whereby EE are stating I should honour the manufacturer's warranty and that they are unwilling to help! Are you saying I do not need to amend the POC to incorporate the insurance aspect, but will be able to introduce that as further evidence when I need to present a further explanation of my claim when asked? I wouldn't want the judge to throw that out because I hadn't mentioned it originally in my poc! When I explained I had insurance I was told the insurance doesn't count within the first 12 months as I would have to take the phone back to the manufacturer, despite what the insurance Ts &Cs state as above. That is as far as my claim went as far as insurance is concerned. Will this suffice? Many thanks again.
  5. I can prove I paid for the phone, that's no problem. One problem is their defence doc is around 40 pages long!!
  6. Thanks dx. The only problem is I'm not satisfied by the way in which this should have been removed in 2007 and still remains to this day and the way in which Halifax have dealt with this issue.
  7. Apologies dx. It's listed as being August 2007, the same time my IVA started. Thanks
  8. Hi dx. The latest default date is 31/3/2013 - is this what you mean? The IVA was started in 2007. The same default amount has been displayed each month since then. Many thanks Joe
  9. Hi there In 2007, due to unforeseen circumstances, I entered into an IVA. One of the creditors within the IVA was Halifax. The IVA was successfully completed early in 2010. Since undertaking the IVA in 2007, I have periodically contacted Halifax and their debt collection subsidiary Blair, Oliver & Scott, to request that default payments appearing on my credit report are zeroed out. Halifax should be well aware that an IVA was in effect from 2007, as well as completed in 2010, owing to the following reasons: 1) Halifax attended the initial IVA meeting in 2007 and were legally informed of the IVA decision in writing 2) Halifax attended the variation meeting in relation to completion of the IVA on 14th April 2010 3) a copy of the IVA completion certificate was sent to both Halifax and Blair, Oliver & Scott in 2010, 2011 and 2012 On 26th April this year, having noticed my credit report still showed payments defaulting as recent as February 2013, despite dozens of calls to both Halifax and Blair, Oliver & Scott over the course of the past six years, I called Halifax to discuss this issue once again. It was my intention to try and seek redress in one way or the other concerning the distorted figure of outstanding debt on my credit file, as well as harassment on Halifax's part by the continued issue of statements which I am still receiving on an account that now holds a nil balance. Upon speaking to various people at Halifax last week, it seems I am none the wiser as to how the series of errors on Halifax's part have occurred. I was, however, advised that: 1) By law, Halifax are required to issue statements despite the IVA reaching completion three years ago (despite my account being settled in accordance to UK law) 2) Halifax holds no records of the numerous calls I have placed concerning this matter since as far back as 2007, and Halifax holds no record of my IVA having been completed I have a number of concerns, some of which I need advice on, including, but not exclusive to: 1) my credit report indicating I am still defaulting payment on my Halifax credit card account, despite entering into an IVA in 2007, from which time the defaulted debt should have been written down to zero. 2) the continued receipt of statements which are still being sent by Halifax periodically since 2010, following completion of my IVA, despite various calls to Halifax 3) no record of calls made to Halifax with reference to the above issues, despite calling your company on numerous occasions since 2007 Further to the above, I understand a default notice will remain on an individual's credit file for six years from the date of issue. Therefore if a default notice is issued it would remain on my credit file for longer than the IVA, which is due for removal in September of this year. The default entries since 2007, therefore, are to be considered incorrect and entries which have distorted and will continue to distort my credit file for an additional six years following the date of the last default - in this case the last default was in February of this year. Having written to Halifax once again a couple of weeks ago trying to get my credit file records amended, it seems as though I've hit a brick wall. They have stated that unless I send a discharge certificate there is nothing they can do to amend my records. Having spoken to my old debt management company they don't have any idea what this is and have advised the completion certificate I have sent on numerous occasions should suffice. Upon telling Halifax this, the complaints department advised over the phone that they would be removing all default entires on my account and writing to me notifying me of this. As I didn't receive a letter I called back to be told I would NOT have the default payments removed! Instead, Halifax wrote to me, but failed to answer questions raised in my original email which were: 1) Why Halifax has no record of my IVA having been completed, despite being in attendance at the variation meeting in 2010, as well being sent various copies of the completion certificate 2) Why Halifax did not write down the outstanding balance to zero in 2007 What Halifax intend to do in relation to readjusting my credit record to remove all defaults since the IVA was agreed in 2007 3) Why Halifax have no record of my telephone calls to them regarding the above - I was previously advised that it may be because I didn't officially state I was making a complaint, but surely owing to the nature of my call, this should have been adjudicated as such by the staff I had been speaking to? 4) Why Halifax still continues to pester and harass me with statements stating that I am failing to make payment, which is causing undue distress Am I barking up the wrong tree to want to sue Halifax for the above, under the Administration of Justice Act 1970, as well as the Malicious Communications Act 1988, due to the statements which continue to be sent, telling me I have outstanding debt and am defaulting in payment as well as for personal injury - I am registered disabled and the stress this series of events has caused, and continues to, has triggered and contributed to various immune system issues relating to my disability which are medically proven to be brought on by stress - the above events are continuing to have a negative impact on my health. is there anything else that can be done by way of a court of law in order to receive compensation for: 1) the amount of time it has taken to deal with this issue (beginning 2007) 2) the negative impact Halifax's incompetency in not writing down default entities on my credit report has had on my credit file 3) the impact the past six years of dealing with Halifax has had on my health and wellbeing I have already logged this with the FOS, but would certainly like to pursue this by other means also. The only issue is that, due to ill health I am unable to work and am on benefits, so the cost of getting a solicitor may be slightly out of my range, unless Halifax were to cover legal costs should they lose any case made against them. If anyone could offer me any advice it would be very much appreciated. Apologies for such a long-winded explanation! Many thanks Joe
  10. Hi, I'm wondering if anyone could possibly help me quite urgently. My Grandfather who is 89 visted his local Comet branch a few months ago and purchased a cooker, microwave and gas hob. He lives in council accomodation and the local council are fitting this for him free of charge this coming Saturday. Upon paying for the items, he arranged with the store manager that the items would be delivered a number of weeks later in order to coincide with the council's fitting date. This was agreed to. Yesterday morning a delivery man from Comet knocked at the door to deliver the microwave. When my Grandfather enquired as to the whereabouts of the additional items he was advised they would probably turn up the following day. Today my grandfather visited Comet and spoke to the manager who dealt with the initial transaction. He was told that they had sold out of the additional two items and had no plans to stock any more. The line had been discontinued. As far as I am concerned, my grandfather entered a contract with Comet for the goods he has already paid for in full and this is where I need some advice. For an 89 year old pensioner, as well as my Grandmother who is also in her eighties with diabetes and a severe disability which leaves her housebound, to be without a cooker for however long is a very sorry situation. Not only is this a great inconvenience, but this has now got them over a barrell. The kitchen fitters are coming on Saturday and they have no goods to fit despite paying for them. As you may be aware, this may now be detrimental to the fitting of the kitchen as I am sure the council will not be bending over backwards to rescheule immediately following the resolution of this. Please could anyone with some consumer law savvy advise? Many thanks
  11. Hi, please excuse the length of this email. I am currently at my wit's end with regard to a certain company's lax security on a database and the way in which my personal details have been allowed to have been lifted without my consent. Back in early 2009, I signed up to a large sporting venue's mailing list under the condition that I would receive regular mailouts from that specific company. The terms and conditions on the company's website actually stated: "With Your express consent We, and if applicable, Our partners or other trusted third parties may use Your data for marketing, market research, promotions and related purposes. With Your express consent, We may also send You offers from us, our affiliates and Our promotional partners based on the data You have given Us." It was shortly afterwards that I started receiving emails from various other organisations offering me tickets to various sporting events and it was at this stage I realised the person(s) sending me these emails had previously worked for the company I initially asked to receive information on. At no point have I given my express consent for my data to be passed on to a third party, affiliate or anything else. Upon contacting the senders of these emails, it appears that they have removed my data from their previous employers without their consent, but for at least 3 different separate parties to be able to remove this data from their previous employer's database makes me smell a rat. Either my data is being sold on or the "secure database" they mention in their website's data protection section is not as secure as they would like me to believe. I was also advisedby these senders that they were in the right to send such correspondence, as they were affiliates with the original company in question. The company in question have stated this is not the case. I have been in touch with the legal team of the company which legally has my data and to date have received two tickets to an event of my choice for the inconvenience caused. I'm not out to get anything here, except for people to stop abusing my personal information, but please could someone advise on the following: What can I/the Information Commissioner`s Office do in order to reprimand the company I provided my data to in the first instance? What can I/the Information Commissioner`s Office do to reprimand the individual who took my data without my express concsent? What are the implications for both the company in legal possession of my data and the individual who took my data, as well as the company which now has my data? Who would be the best to contact (without going down the route of the Information Commissioner`s Office) in order to resolve this issue? The company who legally have my data, or the company who are in illegal possession of such? Again, I am sorry this is so long, but I do hope I hear from someone soon!! Many thanks
  12. Hi, please excuse the length of this email. I am currently at my wit's end with regard to a certain company's lax security on a database and the way in which my personal details have been allowed to have been lifted without my consent. Back in early 2009, I signed up to a large sporting venue's mailing list under the condition that I would receive regular mailouts from that specific company. The terms and conditions on the company's website actually stated: "With Your express consent We, and if applicable, Our partners or other trusted third parties may use Your data for marketing, market research, promotions and related purposes. With Your express consent, We may also send You offers from us, our affiliates and Our promotional partners based on the data You have given Us." It was shortly afterwards that I started receiving emails from various other organisations offering me tickets to various sporting events and it was at this stage I realised the person(s) sending me these emails had previously worked for the company I initially asked to receive information on. At no point have I given my express consent for my data to be passed on to a third party, affiliate or anything else. Upon contacting the senders of these emails, it appears that they have removed my data from their previous employers without their consent, but for at least 3 different separate parties to be able to remove this data from their previous employer's database makes me smell a rat. Either my data is being sold on or the "secure database" they mention in their website's data protection section is not as secure as they would like me to believe. I was also advisedby these senders that they were in the right to send such correspondence, as they were affiliates with the original company in question. The company in question have stated this is not the case. I have been in touch with the legal team of the company which legally has my data and to date have received two tickets to an event of my choice for the inconvenience caused. I'm not out to get anything here, except for people to stop abusing my personal information, but please could someone advise on the following: What can I/the ICO do in order to reprimand the company I provided my data to in the first instance? What can I/the ICO do to reprimand the individual who took my data without my express concsent? What are the implications for both the company in legal possession of my data and the individual who took my data, as well as the company which now has my data? Who would be the best to contact (without going down the route of the ICO) in order to resolve this issue? The company who legally have my data, or the company who are in illegal possession of such? Again, I am sorry this is so long, but I do hope I hear from someone soon!! Many thanks
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