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andymr

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About andymr

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  1. Hi Thanks for your reply here is the CCA you can read in places and not others. you have make some quesses. I've just a pdf copy of the CCA. Its all pixelated. BR Andrew CCA-Restons-NEW.pdf
  2. On the3rd of March 2018 I received from Cabot the CCA which was illegible and I told Restons that it could not be read clearly without some guesswork. They informed me that was legible when I signed it! Now I have received the attached letter of an offer to pay half with various term and condition and a deadline of the 23rd August 2018. What should I reply them? Surely if the CCA can't be read their case must fail in court. The court action was put on hold at the request of Restons but looks they want to press ahead with the court claim. reston-offer.pdf
  3. No. They sell your data back to you by offering to help you manage your data file with them for monthly fee. You can use thgis route but you must cancel before the end of the month or they will charge your card. My understanding is that before GDPR you only had to send a request with a £1 to get your file, but now you should be able to make the request under GDPR and it should for free.
  4. I thought probably wrongly that I owned my data? Not some multi national corporation. I once asked a CRA to correct an error on my credit record to which they replied to me to prove the error. This related to a Radio Rentals agreement in Northern Ireland. I have never and still haven't ever been to Northern Ireland. Just there unwillingness to correct an obvious error finished me with CRA's. Anyway that's a long time ago. I'm more interested in how GDPR pans out. Maybe is some hope for the man in the street.
  5. I don't want them to share my personal data. Why should they make a business and make money from my personal data?
  6. Is it possible to withdraw your consent to have your data shared with Tom, Dick and Harry?
  7. Is it just me, I feel very uneasy knowing what kind of information a CRA can hold about me or anyone? What right do they have to create a dossier about anyone? If its in the small print of some credit application form I signed I was never made aware of it. GDPR has made me aware of how big companies seem to be able to do what they want with my data.
  8. Is there a template letter for GDPR request? What if my data is being processed in India or somewhere similar, outside the EU can I object?
  9. I have received the CCA from Reston's and its quite pixelated and is not clear to read. I wrote back to Reston's but they insist that it is fit for purpose. Please see attached letter and copy of the CCA. My understanding is that it has to easy to read. Could some advise me what I should do next or what I write back to Reston's. Best regards:!: Andrew
  10. She did tell the DVLA that the car had been sold after she received the letter about the offence. She did not have the buyers details. The car had been sold by her son who had been using the car. Her problems are down to not understanding the letters. She should involved me earlier as I a native British person. Thank you very much for taking the time to reply to me.
  11. A friend of mine had a visit from Marston's Enforcement person and was force to pay £650 on the spot. My friend is foreign and doesn't have a lot of English. (The reason for the fine is long story about not understanding how things work in the UK. She didn't commit the offence but was down as the registered keeper of the vehicle.) 1) He showed his badge and pushed his way into her flat while she was looking at it. 2) He threatened to take away the landlord's goods. He said he needed receipts to prove ownership of the goods if they belonged to the landlord. 3) Unaccompanied female being confronted by strange man in her home. 4) He said he had a warrant but did not show her the warrant. 5) She called my wife for advice (they speak the same language) and told me. I then spoke myself with Enforcement person to see what was going on. He told me that he wanted £650 or he would take away the goods. I asked if he would accept part payment he refused saying he had to collect the full amount. I ask if he could put distraint on the goods while she sorted things out again he refused. 6) He said he was recording his visit. Is that legal and can we get a copy? 7) She eventually managed to pay him and was given a Marston’s receipt which only had the Marston’s reference number but no details of the debt/fine. He failed to put his name and details on the space provided on the receipt. 8) He did not leave a copy of the warrant which he said he was acting under. 9) There was no prior warning of his visit. 10) I asked him if was allowed to push his way into her flat seeing that she is a female by herself. He said. “It’s not as though she is some fifteen year old”. I’m all for upholding the law but outright bullying techniques must not be allowed surely. When I asked him about this he replied “I know my job.” Bullies
  12. Hi Guys, could someone check out the following Defence I've cut and pasted. Best regards Andy ###### Defence ###### 1. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 request, copies of the documents referred to within the Claimants particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77/78 request and their solicitors, Restons, have stated in relation to my 31:14 request that they are under no obligation to disclose any documentation on which the claim is based. 2. .It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31.14/Section 78. 3. I am unaware of any legal assignment or Notice of Assignment. 4. Therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 5. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82a of the Consumer Credit Act 1974. 6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  13. Doyou think this one would work OK ###### Defence ###### 1. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant the claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31.14/Section 78. 2. Paragraph 3 is denied I am unaware of any legal assignment or Notice of Assignment. Therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under* statute or equity to issue a claim; 3. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 4. On the alternative, if the Claimant is an assignee of a debt,it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82a of the Consumer Credit Act 1974. 5. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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