where can all this data be accessed mac any idea

thanks macboy i aint to clever on the Technical point, I know, but important to make the distinction,but i think you have the jist of what was meant all this dca pca ppi pp oh i have a limited memory bank that shuts down after two hours then i recover about 80% but its the little bits i miss,probably the important bits but i will try to be more careful thanks mac i think i might have meant DCA and banks and other finance institutions

hi joa...i found in my account last week that they had deposited the monies they fraudulently took from my account,furthermore i know you meant well busby but you can be so frustrating with your no advice quotes instead of trying to point people in the correct manner.and help them .but i do know you mean well and with good intentions...back to you joa i am not bothered about the return on the monies ,as of yesterday i made my final statement and documented my evidence since we have now seen the documents from the bank i was correct the money was fraudulently taken from my account so as far as i am concerned it is going ahead throug TS that i can expext to see them in court sometime that is what i was asking for one thing i detest is a theif a sneaky theif at that ,,,i will now forever hold my tounge concerning cp

i think the whole reason for us being here is to see a real change and that is happening .but we know the unlawful acts are happening this will always be the case until TS/ICO/ OFT and others POLICE the banks and finance companies but i imagine defaults being one of the subjects are or could be as many as 2000 defaults daily most of them not going through the lawful chanels of you first receive and have the opertunity to challenge no this is not happening but i think this is why the ICO have now begun a new Information enquiry ,they will be waiting for resposes from the likes of CAG and ordinary people in general because if we do not write then the only ones left to try to influence the ICO will be the Banks and others in finance industry,then we will have brought it on ourselves for being sleeping dogs .i think the enquiry info is on this thread somewhere not sure if lookingforinfo put it here but if it isnt im sure someone else can post it then it is upto everyone to discuss their point of veiw until we can make up a consentious and then the Mods can forward and clean it up to present as one body

one of the main reasons for this enquiry is to try to get a goverment AUDIT into the dealings between the DCA and their relationship with the Banks.i beleive this is a valid point because we have all seen time and time again that they the (dca /bank oand other)have been acting with absolute impunity against the legal and due process of the law ..perhaps the NEW ICO investigation may have some results and i think this is partly because of groups like CAG and others have put some presure on them to start acting like they are supposed to,,To Police the Banks and others although we know their have been times when they have partly ignored some important issues that we presumed were important enough ,perhaps because of the overload on the ICO they could nt act quickly enough and gave some rushed advice.so i think if we all on CAG write to the NEW ICO Investigations enquiry with our thoughts... said enough i just hope the MODS can come with sugestions where we all think some issues need to be addressed

i am just wondering how many DEFAULTS have been registered in the UK by Banks & CRA companies...particuraly on the DeFAULTS not being processed lawfully...because i am writing to my MP plus another MP who i know absolutely hates this type of action and considers it underhand and it forces the Backstreet Money lenders to come in and Profit from others misery anyone any idea s how to collate this data

thats what i meant its the banks trojan horse thanks for the correction muggy lol the dissemination by caro is about right even though i would like to see the data protection in their and to be classed as a contract or terms only .taxman judge and inland revenue and other goverment authorities ive had my say by the way i am not bickering with anyone everyones imput is invaluable and helpful on this subject of the charter

then your troubles could continue for many years go with it they cant do anymore to you if you follow all the advice you have read upto now i know making that first tentative step is the hardest part but do it you wont regret it

thanks roe it was off that page you just pasted

to moonhawk just found this on another cag page and as ive posted to seahorse i can honestly swear on the bible i really have never seen one of these in this form all i have ever seen is a short paragraph on an agreement /application i am really shocked at its content i could never imagine signing one of those not in my lifetime even if my life depended on it,i could nt goes against all my principles My wife is concerned about debts that she thinks maybe outstanding she has found agreement and it states that: PERSONAL DATA I agree you may hold and process, by computer or otherwise any information about me as a consequence of the application and/or agreement “Personal Data”. I agree that you may (i) Include Personal data in Barclays Group customers systems which maybe accessed by other companies in the Barclay Group for banking and credit assessment, statistical analysis including behaviour and credit scoring and to identify products and services (including those supplied by third parties) which may be relevant to me, and (ii) With my consent, permit other companies within the Barclays Group to use Personal Data and any other information you hold about me on Barclay Group systems to bring to my attention products and services which may be of interest to me. You may disclose personal data outside the Barclay Group only: (a) for fraud prevention purposes; (b) to include reference agencies, if I am in breach of an agreement; or to the extent that I have give my consent, © under a strict code of secrecy to sub-contractors or person acting as your agents; (d) to any person who may assume your rights under this Agreement; and (e) if you have a right or duty to disclose or are permitted to compelled to do so by law. The above paragraphs (i) and (ii) do not apply to any information specific to business accounts of branches of the Channel Islands or of the Isle of Man unless such customers have informed their branch that they wish to be included in the Barclays Group customers systems. Personal Data will be deleted from the Barclays Group customers systems as soon as reasonably possibly after you cease to be a Barclays Group customer. I confirm that the information give in true and complete and authorise you to make any credit reference and other enquires in accordance with the normal procedures in connection with the application I understand that I can request not to receive details of products or services, other that with my statement, by writing to Barclays. The tick/cross in this box means that I agree that Personal Data and any other information you hold about me on the Barclay Group customer systems may be used within the Barclays Group to bring to my attention products and services my bay be of interest to me. o Signed….................. . Date…………………..

hi seahorse i sent you that form from barclays to be honest i have never seen one like that in my life i did not realise they done them like that all i have ever seen is just a short paragraph and thats it...if i had one of them i think you can imagine what i would do with toiletpaper

did not have time to finish what does thr acrued intrest mean got me thick head on today

i have a formula here from nat west bank its what they were charging me in 1992 oct..it states intrests formula:base + 4%.compound also acrued intrest but no percentage

to late as usual may lol i done that one already

gggrrrr gggrrrr lemmeee aattt eemm gggrrrr lol

just googled this page hope it helps The Consumer Credit (Cancellations and Copies of Documents) Regulations - Google Search

ok thanks joa i have done a bit of research and pasted the sites to look at hope it helps

Landlord and Tenant (Covenants) Act 1995 (c. 30) sorry typo

more upto date for 2http://www.opsi.gov.uk/acts/acts1995/Ukpga_19950030_en_1.htm007

Shelter: Housing Act 2004 shelter would be worth looking on their i stand to be corrected mr shed i was always of the beleif that if the banks do take over the property they would have to act as landlord and could nt just chuck you out on the streets but i have put a link above and really who better than shelter good luck hope you get satisfied in your plight

thanks martin i will copy and paste the threads and pass on where needed

i really do apreciate you reply and its content explains a lot only problem i have with that is i cannot find any written directive from any goverment site nor hansards so if you have information i can be directed to to confirm this it would be greatly apreciated thanks though it does help...the only records we have was our doctors certificates sent by our doctor to the DWP they deny having received them,but too many have gone missing for a clerical error they had one at the end of jan 2003 then in august 2003/then two in march 2004 that was one from me and one from the doc..3 in 2005 that they are now beginning to aknowledge but then they use not enough stamps for 20002/2003 9 stamps missing this is when i took ill...and also why on earth send me for three medicals in 2003/2004/2005... patrickq1

lol seahorse,,blade look for / search rory32 he will put you right on the questions you are asking

hi vital i think generally we all speak with the one voice just different accents and me being deaf as well as daft i just dont agree to the wording and feel we are letting down the whole comunity ,as it stands this petition is a trojan horse i apreciate its good intentions ,but cannot support it..until changes are made and more thought is given surely the Mods should have sat done and worked on this ,this page could have been left open and a consecious formed as to the content ,i would rather the petition was removed for further ammendments ,in its present form it is what the Banks and others would like to see as they would agree that we agree that it is not penalty charges.this is your trojan horse as i see it

but if they pay the landlord an he mis appropiates the funds to pay the mortgage .then the tennant will be in a predicament i know they have sitting tennents and its best to look at the site conserning the landlord and tennents acts i am sure you will find the right legalities on their concerning this sort of incedent as it is a common thing and it is also assuring to know that the banks cannot just chuck you out they would have to find alternative accom if that was the case they would be stepping into the landlords shoes ...hope that helps