that means dave has joined the grumpy ole man brigade lol

i think if you type into your search bar advantage gold you will find the correct people who are able to advise hope this helps

i have sent a copy to the police sargeant at the abergele north wales branch asking will he adopt a simmallar response well done watcher

i know moorcroft and they are trying to extort monies from you i caught them out doing the same to me they will not comply with your request for data they will default and tell you any monies you sent will be knocked of your balance and leave the balance as you say it is in the hope you forget the incedent.................because they know they cannot enforce this debt legaly

the lunatics are looking after the asylum dave lol if you beleive experto credito got it wrong so ??? lol good work dave

so we are being sensored because you dont like personal abuse busby no personal abuse was intended i only refered to what ever side you want to look at i do not really care much but instead of being over critical why dont you sugest something substantial like advice for the good of the people who are asking for help point them in the right direction a bit of consideration would nt go amiss you seem determined at the very mention of cpw you jump to their defence at every occasion throughout your posts on most threads your answers are abrupt and unhelpful and smug .if a person treats or veiws the actions of cpw as bordering on criminal why do you not voice your concerns that perhaps this is a truthful person and perhaps he is correct you are so knowledgable in cpw and the law then why dont you prpose some sort of action plan concerning the tactics used by some of these phone companies ..if these phone companies make a contract over the phone then surely they should be held accountable and show full recorded phone conversations concerning the contracts that you so smugly say are legal i dis agree and deem any contract by phone is legal unless acompanied with a contract in writing and also the transrcript of the actual phone conversation then i will beleive that the spoken word thing and the contract are both the same patrickq1

you can look at it [edited] for all i care busby but for once i have passed it to TS for advice and i dont hear any questions ar answer with regards to my T&CS i have sent to cpw the ball is in their court they can rescind the agreement or accept my T&CS end of perhaps they will remember the agreement that they will pay me comission of one thousand pounds at the end of a two year contract that was agreed over the phone now we have a cheque from carphone with their account and branch num so perhaps you agree with me that they have acepted my T&Cs patrickq1

you remind me of mr dunstone lol that was not the case im my account busby my account was transfered from SAINSBURYS and i am not in any dispute over my phone bills as i pay like you say by direct debit...but i had no insurance policy on my phone from carphone warehouse...never asked for one and never required one and due to the illness i have i have only just begun on the stages of recovery...so as far as any agreements are concerned i have written one for cpw they have the option lose the account or keep the account and on agreeable terms .so my dispute is they took monies without my permision so somewhere along these lines someone has taken money and want it back but i am prepared to see it in court

i thought they were book because of unauthorised borrowing whitch i thought that came under its umbrella

your bank account is covered by the consumer credit act read the faq at the begining and go through it you will find what you are looking for good luck angie if its trouble with dca then go to faq and find the section dca

report to your gas and electricity company that you must receive written notification before any home visit you have the right to refuse entry without it

. Charles Dunstone, the Chief Executivei [/font].]I have been contacted yesterday whilst in hospital so i have arrived home to find you have refused to give information concerning me to TRADING STANDARDS OFFICE IN COLWYN BAY/CLWYD[/.I xxxxxxxxxxxx CONSENT TO MY DATA BEING PROCESED BY YOU to TRADING STANDARDS ONLY i ALSO INSTRUCT YOU TO TO CEASE PROCESING ANY DATA CONCERNING ME (EXCLUDING A COURT OF LAW AND THE POLICE AND TAX AUTHORITIES )FAILURE TO OBSERVE THIS CONDITION WILL RESULT IN MY RIGHT TO PROSECUTE UNDER THE DATA PROTECTION ACT,you are now instructed to TO HAND OVER ALL DATA ALL TAPED PHONE CONVERSATIONS ,BILL PAYING STATEMENTS ,FULL WRITTEN TERMS AND CONDITIONS SIGNED BY ME ,MICROFICHE DATA ,HAND WRITTEN NOTES,ANY CREDIT DATA FILES YOU HAVE ANY SEARCH DATA FROM OTHER COMPANIES YOU MAY HAVE ,WHAT TARRIF ,.ANYTHING YOU HAVE ON FILE CONCERNING MYSELF.This letter is also being passed to the TRADING STANDARDS as a cc attachment for their records[/ i am paying my phone bills as usual and not under any circumstances refusing to pay i am just reiterating an unfair term in any non written contract they may think they have if cpw decide to cancel their contract then so be it if he decides he does not like my terms and conditions then he can act on it either ask a judge to force me to accept his right to process my data or he can agree in writing with me that he accepts my terms and no pre conditions[/font]

i have trading standards looking at exactly the same thing taking monies without consent and i also noticed my statements looking for another comapny taking monies from my account so contract trading standards but also e mail cpw that you have given your consent to them to pass your data only on this ocasion to trading standards cause they will try to use the DATA PROTECTION ACT on the TS good luck

they seem to be saying simmallar to what i have said all along,and this regulator is now already voicing his concern and that is just goverment departments,which is an indication as to how serious this problem has become,well done may for that newstory,,,,,,so thits gives more than clarity when you consider private companies and banks ,data sharing companies debt collection agencies....none of this data is licenced legaly this is why i keep bangin on about it a major defence needs to be challenged against these terms and conditions on the basis they are unfair terms with regards to third party before an action is taken,and i am taking it as the second party is THE JUDGE THE TAXMAN AND THE POLICE BUT NOT EXCLUDING THE MAIN GOVERMENT BODIES who may want for true and honest information,but the case against the banks is on consentious the information being passed is both bius and vexhasious the reasons for this if and when you apply for credit at anyones lending company .he knows that he can obtain information (not through the lawful courts and goverment chanells)(from a company who are recognised to may be in possesion of certain data be it credidible data concerning you or be it unreliable data concerning you...............AS YOU ARE AWARE OF THIS DATA ...this is highly unlikely....THIS DATA PROCESSING COMPANY IS ALLOWED TO COLLECT DATA AND PROCESS THIS DATA FOR BE IT PROFIT OR NOT that is DATA IN THE PUBLIC REALM normal chanels is through the goverment court system provided the judge has sandtioned it for public consuption,so why do i have no knowledge of this DATA being passed because the company whoever passed your data has not informed you of the excact details of what data they have passed concerning you they have denied you of your basic rights to challenge the truthfullness of the said data within a period of time the reason for this is before the DATA PROTECTION ACT became PUBLIC PROPERTY and people did not know they could question and challenge banks to the lawfulnes of their actions,because everyones or majority of right thinking people beleived in our banks to operate our accounts fairly and with a duty of care in all dealings ,but now we have discovered that we could challenge decisions that any ordinary person would deem unfair we have now started to question the banks and the processing of our data we were all co ersed into mitigating ourselves into the being co defendants in this CRIME OF PASSING DATA it was sign this aplication or dont sign because everyone has the same t and c so it was a no win situation.which is unfair arguements are welcome hope this explains me better shane lol

i would nt think twice i would write a letter to the cheif constable in your area about this behaviour and have them prosecute for trying to obtain monies by deception..make them pay the price and put all this on a legal footing ,because if a judge where to hear the circumstances i dont think he would think twice about a prison sentance .and i also think the judge would be asking the banks to come to the bench to answer some fundemental questions with regards to passing DATA without a legal satanding...i wish it was me they had persecuted..this would also bring all DCA companies to book and also give joe public confidence that they cannot get away with destroying peoples lives

i cannot find it in law where it is legal to trade this data without the word of a judge...i stand to be corrected ..but if someone can point me to a lawbook and a judges decision that this is legal and dont quote its in the T&C i was not party to this ,i was not party to any individual negotiations to this ...it is imposed no sorry it is forced on you ...i have gone through a few contracts that i could find ...i am not refusing to pay the companies i owe money to but at the same time i have sent them a photocopy of the contract and where the offending sentance is i have corrected it by saying you have the right to proces my personal dat to THE POLICE THE TAXMAN,AND A JUDGE ,you shall offer no other information to anyone without my express permission...if you have an objection please write to me so we can re negotiate a contract i beleive would be fair .if on the other hand you wish to rescind your contract then i am only too happy with this and shall then pay you monies owed when we go before a judge to alter the contract in a fair and balanced manner patrickq1

remember in the very early 50/60s when banks were totally distrusted and less people wanted to use the banks ,(because the old folk knew of the dangers entrusting banks with your hard earned cash)then banks could nt do enough for its customers.you could call your local manager and he was only to willing to have a chinwag with his customer he would always ask how are you and family how is things with yourself..has nt things changed now you are a number their is only a computor and some nameless and faceless person,they wont even sign their letters now ...the BANKS GREED is now turning and all of us at cag can see this the last nail in their coffin was the T&C the right to process your data with a third party is finally being reilised by every one on here and is now being seriously questioned as to how on earth can we stop this .I FOR ONE HAVE DECIDED SOME YEARS AGO THAT NO MATTER THE COSTS I WILL PROSECUTE THE BANKS OVER THIS ISSUE because i beleive it is immoral and against my HUMAN RIGHTS to share any of my DATA except with the taxman police and a judge i want no other party to be privy to this information unless it has been lawfully instructed by a judge to do so ..the FSO ,TS,FSA have all allowed this fundimental right to be eroded now the trading standards cant even get information from companies concerning complaints against the companies ,i find this incredible,yet the same companies are quite ready to pass on your information to credit reference agancies with impunity.what has gone wrong with us all we are being led like sheep on the banks say so..how dare they process my data without my express permision...this is traficking personal data like they were drug dealers selling drugs

i had a dream that one Bank decided to break ranks and tell all its customers,WE ARE TRULLY SORRY,and from this day forward we shall endevoure to go through every customers records and we promise that all excess charges that you presumed unfair will be returned in the coming months,we reaalise your are the most valuble comodity we have and would hope you will continue to stay with us in GOOD FAITH lol better get out another bottle an invite the bank manager round for sunday dinner lol night night every one patrickq1 honesty truth justice and hope and faith the main pillars of society take one away and the whole thing begins to crumble

you can also try govan law centre they handle bank charges cases and work alongside sites like this so in scotland you would be better contacting them good luck

i will soon be looking for support in aid to get some sort of goverment and public backing to changing one particular term in the T&C that concerns every one the removal of passing data to a third party unless it is to a judge the police or the taxman and no one else unless instructed by a judge otherwise patrick

what sun lol you are absolutely correct in everything you say,for myself i have debts that i pay monthly even though i am still taking action i still intend paying my way ,its also true to say if you have been lucky enough to get a cash settlement and you have other debts you can enforce your action by depositing this money into the courts and then your standing in front of a judge will work wonders because the judge will see you are a decent person...so i am in complete agreement with everything said..what does disturb me is when people say how can i get out of not payin..truthfully you should just pay what you can and explain if its a reduced sum and also a reminder because a claim has been struck out please remember the claim can be brought back to life just when you thought it was all clear,so be thoughtful and careful their is no need to tell any untruths as it has a nasty habit of biting you on the bum lol when you least expect it the truth will always prevail

lol dont remind me of blenheim i aint started on them yet but after my ops i will go for them first i want to see their credit licence go into the trash can dont want a settlement figure this is personal patrickq1

not sure how to move thread may sorry talking about defaults i got three while ppi insurance was being paid but ppi company were slow in paying...this is one of the reasons i would like to see some goverment inititive to remove the t & c clause to pass data to a third party as being ilegal and then hammer the companies processing the data patrickq1

i would also go to alocal or national newspaper and shame the bank,if you could record the bank saying what you have said this would bring it to a stop imediately

i have nt gone to court yet made a couple of sar requests but the barclays one i made they just sent gobbledy gook dont really understand it too much but this was an ordinary bank account that went into unauthoriased overdraft no contract as such well no contract period and morgan stanley who only sent statements and this is when i noticed the defaults whilst the insurance was in operation so how they defaulted me was down to the insurance company being slow in paying out as for blenheim finance i am awaiting my ops then **** will hit the fan cause i do not want money from them i want their licence to trade because of the underhand way they went about things ie debt collectors and debt collectors persistantly i even had the claim struck out yet within 1 month they had it reinstated and won,,all this was before the this site came on line i was one of the origional members of the BANK ACTION GROUP back in 1992/3 then it fell apart cuase not enough people were interested then and the internet was a bit iffy then so as you can imagine i have a big one against the nat west which will also be brought up that one they have an deed against my prpoerty so i am determined to get that sorted also i have things here that the nat west sent me by fax such as skeletons siting next to a computor with a guy with a breifcase saying bank manager the skeleton had a spiders web attached to it and all over the comp as if to say your dead and buried so you can imagine well u cant really i hit the roof as i was in italy at the time my office accountant got the fax,nedles to say the manager was moved to another branch and assistant manager demoted,but they have admited it came from their management team (libelous)they admitted to a local newspaper that they had apoligised to date i have nt seen any apoligy...so in feb 1993 i gave them ten days notice to prosecute otherwise i deemed the contract to be null and void...have nt heard from them since and i have nt raised the isue and last i heard was they were charging 4.99 a day intrest till account paid up,,,also i was forced into a bankrupt position because of it all...but i will get their one day be like a ton of bricks coming of my shoulders