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About Me


  1. Hi, Please see attached. Your comments would be appreciated. convert-jpg-to-pdf.net_2018-05-04_20-06-00.pdf
  2. Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the i
  3. Not sure if this is the correct forum,but it's the only 1 closest to my query, it involves an employee. Last week when England knocked out Colombia, there were fans congregating in a town center , blocking the road, and 2 buses were blocked in. Several dozen fans were converging on one of the buses which was immediately outside the pub., rocking it, opening the entrance doors via the outside emergency door button. The driver attempted 3 or 4 times to gently shove a few fans off. 1 fan actually got onto the roof and was jumping on the roof. A harrowing exp
  4. 11 years ago I was taken seriously ill and due to the illness I lost my job and ended up in a financial mess resulting in my house being repossessed. Thankfully my health has stabalised and I'm now starting to get to grips with my financial mess. Having checked my credit reports I noticed Natwest were reporting missed payments each month on two mortgages and a loan and hadn't recorded any of the defaults or CCJ's. I lodged a complaint with Natwest which they upheld due to inaccurate reporting of my credit file when one mortgage and loan had been paid off with a full a final sett
  5. As some of you know Scottish Power (SP) are terrible at everything they do! Story: Friend 1: I helped an SP customer get their account sorted, back-billing issues. Now that's sorted and redress was nice for the customer. Friend 2: I am currently helping sort their back-billing issues, some success so far. Now being smart a SAR was sent to SP for friend 2. In their name only . The data pack duly arrives within the 40 days, some items were missing, a quick email to SP sorted that out. Now its complicated, on listening to the cd's of the phone calls for f
  6. Aviva posted me some very insulting to me marketing material in february so I contacted them to complain. They claimed that I had opted to receive marketing some years before, when i lived at a previous address. After further correspondence where they failed to produce any evidence of htis supposed agreemnt or ticked box (never used web or paper forms to agree to anything) they admitted they did not ahve such an agreement, had mixed my personal data up with another person of a similar name as well and offered me £75 when I had requested £250 as that was a sum courts had agreed was a mini
  7. In May 2018 the new General Data Protection Regulation will come into force. This is an EU wide regulation and although the UK will be leaving the EU, these new regulations will be implemented. http://tinyurl.com/zqfmm48 The above linkis from the ICO goes into some detail but it isn't very clear as yet. The one major change to consumers is the removal of the £10 fee although companies can charge for extra searches. I'm not 100% sure that the removal of fees relates to medical records as yet. If the NHS cannot charge the usual £50, that will be a big bonus. http://tinyurl.com/zrg
  8. Hello all, I was hoping someone here can help me regarding this issue. I took out a loan in 2011 with a Credit Union in Scotland. They have defaulted my credit file with the wrong info, including amount, default date and address. I've had both the ICO and FOS involved in this matter and am now tearing my hair out to get it resolved. A high level timeline of events: In August, I contacted the CU about the default and they gave no indication that this would happen. It was also not reported for 4 years after the fact. In September, I paid outstanding amo
  9. Hi, I made a claim against a bank for some charges which had been applied to my mortgage account for the 'cleansing' by their solicitors of my Data following a DSAR in 2008. The finite detail of which is not relevant to this question I pose. The bank employed solicitors to defend my Claim (which I had repaid in full after a battle). 1) The solicitors advised me that the bank had admitted the charges should not have been applied ie. there was a mistake or the fact I was never advised of these charges, they were 'concealed.' However, the solicitors stated on a number of occasions
  10. Hi All, I have recently defended a claim by Shoosmiths on behalf of Capquest for a Cpaital One credit card taken out in Oct 2008, the last payment made was in Jan 2012. The claim was stayed at the end of Jan 2017 after filing a defence. Before filing the defence Capquest was sent a CCA request, a copy was also sent to Shoosmiths with a CPR31.14 request, which Shoosmiths remain in breach of. However today Capquest has sent a response to the CCA request (attached). They have also sent somebody elses application for a Barclays Sky Card which includes their name,
  11. Dear all, I'd greatly appreciate advice as I'm wanting to take ES Parking to court for breaching the DPA by claiming my details in the first place from the DVLA. I know this is going to be a long journey and lots of work but I'm willing to do it for the good of others and perhaps to teach them a lesson to stop harassing people when there is no basis for their claim. I've been through the following so far: Stage 1: Letter before claim: __________________________________________________________________________ (Sent mid December) Letter Before Claim (Ref number: XX1
  12. I am suing both a Parking company and a Supermarket company. Suing them for my time prepping and Appealing. Im also suing them for Breaches of the DPA. One of the reasons for their breach, I have been told, is that the Parking Company passed on my details to a Debt Recovery Company AFTER a POPLA appeal was started but BEFORE the POPLA decision was made. (I won the POPLA Appeal). I have been told this was a breach of the DPA but for the life of me I cannot find any reference to passing on of details anywhere. Can anyone help? By the way. The parking company obtained my details and s
  13. Hi, I issued a Section 10 notice (Data Protection Act) on a non-credit related matter relating to the processing of inaccurate personal information held about me. The organisation a) failed to respond within the 21 days (upheld by the ICO) and b) when they did eventually respond, have refused to comply with my Section 10. Most grateful for any guidance on next steps - e.g. how I might go about enforcing compliance through the courts, procedurally. And is their failure to respond within the 21-day timeframe actionable, e.g. distress in light of Vidal-Hall v. Google? Many thanks.
  14. I recently checked my Credit Reference File and saw that a default was on my account for a Cahoot flexi loan, the default was incorrect in that the last payment date and default date were some 18 months apart and the original debt was incurring interest, making the amount outstanding an additional £4 K. I approached Santander on 2 occasions and they refused to remove the default, so I then moved on to the ICO, who upheld my complaint and instructed Santander to put things right. The debt would be statute barred and should thus disappear, this happened on my Noddle file but still was
  15. After some advice and any feedback from anybody who has needed to seek a court order to have their data ceased being processed. I have issued a S. 10 notice that was delivered by hand to the director of a small company, they have so far attempted to involve a third party to put pressure on me to back off but have failed to abide by the notice. I have also sent a Subject access request which I am expecting them to ignore as well. Being a small company this could just be down to not knowing what to do etc however I am now in the position of having to decide
  16. Had an issue over a water bill for some time which has resulted in non payment. Due to my somewhat poor state of health I've not had the energy to deal with things as well as I could do. So I've done the worst thing possible and ignored it until today. Searchlight Collections attended my property this afternoon. I was not at home at the time. The agent spoke to someone who came to my property to collect some belongings, they do not live here. They are a completely different gender to me also. From what I've been told the doorstepper had the cheek to ask for me and sta
  17. Group, I’m seeking help / advice on section 35 of the DPA 1998 Act: 35. Disclosures required by law or made in connection with legal proceedings etc. (1) Personal data are exempt from the non-disclosure provisions where the disclosure is required by or under any enactment, by any rule of law or by the order of a court. (2) Personal data are exempt from the non-disclosure provisions where the disclosure is necessary— (a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or (b) for the purpose of obtaining legal advic
  18. Group, Could someone please point me in the right direction for info on how to apply for a court order to enforce a SAR. Thanks in advance.
  19. Hi everyone. I have a comparitively small debt of £350 for gas and electricity supplied by Eon at a property I moved out of a year ago. Eon have got PastDue to "manage" and recover the debt but it has not (as far as I can tell) been assigned to them. I have followed previous Forum advice and told them I will only communicate with them in writing and offered them in writing £10 a month. They have now come back to me asking for confirmation that I owned or occupied the previous property; dates that I entered and vacated the property and confirmation of my date
  20. Here goes, long painful story......... At the beginning of June, I upgraded my account with Vodafone and paid an early upgrade fee. My new phone was duly delivered within a few days. I logged into my account a few days later and was offered a further upgrade. I thought that this was odd as I'd just upgraded, however the website stated I could upgrade again - for free. I contacted Vodafone (upgrade dept) who confirmed to me that indeed I could upgrade again. I did not do anything about this at the time. A few days later, I received a call from vodafone sales department wondering
  21. Hi, I've spoken to the ICO about this a few times, but they've told me that they don't deal with individual complaints when it comes to "Internet Media". 192.com persist to put my personal information up on their site publicly, despite having written to them on several occasions to request that my name isn't used to promote their company. Anyhow, I'm sat here, another year later, another release of the Voter Role and voila... There I am again... What do I do with these email exchanges I have between myself and them getting my name removed. What do I do about the ICO.
  22. Good Afternoon All I had an EE (formally T-Mobile) contact that I ran in trouble with and got a default placed on my credit file. EE Limited then sold the debt to Lowell Portfolio, however even though EE had sold the account and were nothing to do with it anymore and Lowell Portfolio ‘legally’ owned the debt, EE Limited continued to update the default on my credit file for a further 5 consecutive months (I have proof of this from the CRA). I have been advised that what should have happened is that the default should have been taken over straight away by Lowell and
  23. Hello My personell file was found by an employee in those belongings. Had 8 years worth of personal info such as matb1 form, sick notes, occ health notes etc we have been through informal investigation but they are surpassing the deadlines they are giving and I feel this is not been taken seriously. They found that it was unattended in a drawer for 2 Years before it was discovered so in that time hundreds of people could have read it. I've passed upset, shock and annoyed and now have moved onto pure rage over it. What would my next steps be and is there a legal case here.
  24. Can anybody help.... at my wits end with this. I have been requesting my Subject Access Request from an organisation since last October, despite paying the fee, providing ID and numerous promises to send it to me, I've had nothing. I've complained to the ICO who have told the organisation they must comply promptly (two months ago...still nothing). The ICO have advised me to take this to the county court to get court order and possibly damages. I've been to my local County Court yesterday but they do not know what form I need. The ICO will not advise which form, they
  25. I've asked the London Ambulance Service for a recording of a 999 call made on behalf of my late father. They have said that they can provide this but there would be a charge of £50. My understanding was that the maximum charge was £10 unless, of course, there are special rules for the NHS. Could anyone clarify?
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