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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. I found the threat about Fendy-v-HSBC https://www.consumeractiongroup.co.uk/forum/showthread.php?83821-Fendy-Can-I-Get-Statements-From-Old-Midland-Bank-Account-20-Years-Ago I was interested because i was a customer with Midland bank, then rolled over to HSBC when HSBC took full control over Midland Bank. I had a situation where, after rolling over to HSBC, i spent time away losing contact with the HSBC representatives who Dealt with my every needs (Year 1994-1995). I returned to HSBC in 1997 to open a new account, staff then did not want to provide me details of older accounts
  3. Thought id challenge the processing of my personal data by a former employer in relation to my banking data, death-in-service beneficiaries and emergency contact details (wife and son's personal data). I left the company in June 2016. The ICO's public guidance is that the aforestated data should be deleted once the employee leaves the company. The ICO has just made a decision that is contrary to the public guidance??? the decision states companies can process the data for seven years. This is bizarre - either the public guidance requires amending or the ICO decision in my case is
  4. Hello. My employer tried to make a thing about how I performed my duties whilst working on the shop floor. Whilst going over the footage with them (nothing found), I seen that the CCTV showed footage of me getting changed down to my underwear (as there are no changing rooms). HR and my supervisor have both seen this footage. The employer hasn't registered with the ICO to use the CCTV but also hasn't put up signage, etc in the workplace to say that CCTV will be used and watched. Is there a legal position on this or am I getting needlessly upset?
  5. I recently looked up my employer on the ICO site as to what data that are registered as being able to use and share. Website here: https://ico.org.uk/esdwebpages/search There are a number of things that I have noticed that I am wary of in bold, below: Nature of work - General business Description of processing The following is a broad description of the way this organisation/data controller processes personal information. To understand how your own personal information is processed you may need to refer to any personal communications you have received, check any privacy noti
  6. I had been with Natwest for 22 years and had a black account with the Gold Advantage Charge card. I was advised to become a company as I would be delivering a service through several agencies. Unfortunately, due to exceptional circumstances and include a bad personal relationship left me in debt and I am about £8 -9k in mortgage arrears on a house I rent out and a personal overdraft that was £12k. In 6 months that OD was cleared and both business and personal accounts were in the black. The difficulty in meeting the mortgage department for an arrangement to be put in place
  7. Any help would be appreciated. I am trying to establish whether my solicitor has acted negligent by not following the pre-action protocol in respect of a Disrepair claim which has now been settled, after 6 years of my local council denying liability under the OLA 1957. I had an accident during the period where liability was being disputed but my solicitor is claiming that he did not have the funds to pursue a PI claim but never advised me on this, and on checking the pre action protocol under Disrepair claim there is reference that would suggest that in any event, a claim for PI aris
  8. Made a subject access request to Santander. One of the acknowledgement letters they sent says this (in bold): If anyone here has made a subject access request to Santander, can you please check the Acknowlegement letters to see if it says the same. If it appears can you include a scanned copy of the letter on this forum. The ICO has told me: Santander acknowledgment letter also says this about call recordings: Santander did send me call recordings, but one of the recordings had a bit missing from the dialog. I've reported it to the ICO. They've just go
  9. Please does anyone have any advice on this? The facts as they have been reported to me: Mr X leaves the property in 2008. Mrs X remains at the property and there is a verbal agreement that she will transfer the utility bills to her name. Mr X still legally owns the property until it is repossesed by the bank in 2010. In 2015 Mr X obtains a copy of his Equifax credit report and discovers that United Utilities have registered a default dated March 2015. Unitied Utilities will not remove the default as they say Mr X did not notify them he had moved/was no longer
  10. Does anyone know how long it will likely take for Unison solicitors to review my case of bullying at work? I have asked my rep twice but she is not responding. I just wanted some estimate of the time as I am in limbo, I am desperate to leave my job but want guarantee of a good reference. I can't currently go into details regarding what has happened as it's too painful to even think about let alone detail here, but basically I raised a grievance against my line manager (partially upheld) and appealed it but am now subjected to mobbing by 2 senior managers & HR. I just wondered if an
  11. Well, it's been a while since I've been on here. it was thanks to you guys on CAG that turned my life around in 2005/6 and stopped my stupid spending/credit splurge. I sent the prove it letters to my creditors and that was that. they screamed, shouted and yelled. threatened allsorts, but I stood firm and in the end the debts have fallen off my file. so they can 'nanas for it now. (still get the occasional letter asking me to contact them to discuss payment terms - yeah right) but anyways - hi everyone! I posted this on the Facebook group, and after a few repl
  12. Since 1988 we have been victims of fraud by a Building Society – now part of a major bank. In 2006 we exposed part of the fraud ourselves; the FOS upheld our complaint; on the same day the Building Society registered their displeasure by surcharging us an amount equal to twice the refund ordered by the FOS. Evidence discovered subsequently via the FOS (using the Freedom of Information Act) showed there had been other infractions by the Building Society. The City of London Police declared there have been fraud; we now have a case number. They asked us to forward details to the Financial Co
  13. I am currently in a DMP and have been for over 3.5 yrs. One of my creditors is Idem, formerly with Moorview (same company) and before that Egg. They have maintained a '6' status for 3 yrs along with a DMP marker. I have complained to the ICO who have said that they are processing my data correctly in applying the '6' marker as arrears. I am obviously worse off than if the account had been defaulted as my DMP has 3 yrs left, making the plan 6 yrs in total. How they can get away with this practice as it's perversely unfair. My dilemma now is do I now s
  14. 2005 Loan made to purchase a leased flat and the loan was secured by a first mortgage on the property (the principal charge). In 2006 the loan was sold or transferred including all of its interests to another company who then recorded their interest by way a charge using the original mortgage deed which was created in 2005. A few months later with out any knowledge being given to us the borrowers, the so called loan in equity only part was sold and put in a pool of mortgages then sold to investors using the Irish stock exchange. We now jump to 2013 when aft
  15. Telemarketing companies that hound members of the public with unwanted calls could become easier to penalise under new government plans. Culture Secretary Maria Miller wants to allow the Information Commissioner's Office (ICO) to take action against offending companies more easily. And the Ministry of Justice (MoJ) will consult on imposing heftier fines. The ICO received 120,310 complaints about "unsolicited marketing calls" between April and November last year http://www.bbc.co.uk/news/uk-26806116
  16. I keep getting spam texts off Brisk Buck offering me the exciting opportunity to take out one of their very reasonable loans. This text comes through as 'BriskBuck', does not give a number, cannot be replied to, and does not give the option to unsubscribe (not convinced I subscribed in the first place). It does, however, contain a link to their website. Unless I'm missing something, their website has absolutely no way of contacting them. There's no email address, phone number, postal address, and I can't see any registration details e.g. consumer credit license etc. They also claim
  17. Hi guys i sent a standard cca /soa/default request to a high street bank via recorded delivery which having just checked was delivered to them in early july. I have had absolutely no response at all, not even an acknowledgment. The default was made up solely of charges which i refused to pay. what do i do next? thanks
  18. New Subject Access Code of Practice The ICO has published its new Subject Access Code of Practice. During 2012/13 the ICO received more complaints about subject access requests than any other topic, with over 6,000 complaints handled during this period. One in six of these complaints related to the financial sector, while one in ten related to the health sector. A link to the new Code of Practice is below: . http://www.ico.org.uk/~/media/documents/library/Data_Protection/Detailed_specialist_guides/subject-access-code-of-practice.PDF
  19. A police force must stop using number plate recognition technology after a warning from the UK's data watchdog. The Information Commissioner's Office said Hertfordshire Constabulary's use of cameras in and around the town of Royston was in breach of the law. It said the force had failed to carry out required privacy impact checks. http://www.bbc.co.uk/news/technology-23433138 A full copy of the ICO's "Enforcement Notice" and Press Release can be read here: http://www.ico.org.uk/news/latest_news/2013/Police-use-of-Ring-of-Steel-is-disproportionate-and-must-be-rev
  20. Affidavit's Wanted Please Preparing for the case ahead, clydesdale I know will use the "it was only a one of administration error" line alongside their proposed defence. I want to show the court that infact failure to provide documentation under section 7 of the DPA 1998 is rife across the industry but in particular within this bank. I am trying to collect as many affidavits from people who have banked with clydesdale and had problems of this nature to use as evidence that this is not a 1 time occurance. 3 Years and still no data from them. Anyone willing to help?
  21. The Information Commission is trying to bring an end to the modern plague of unwanted messages * ICO wants victims to contact them so they can fine those responsible for the stream of calls http://www.dailymail.co.uk/news/article-2211214/Is-end-unwanted-texts-PPI-firms-Two-men-face-250-000-fine-sending-millions-messages.html
  22. Has anyone else come accross the following campaign that pops up while on CAG forum? Does anyone know who can be credited for the campaign? Vodafone, ICO or CAG ''Vodafone and your credit file We are getting a disproportionatenumber of complaints that Vodafone is damaging people's credit files throughcarelessness and poor systems. If you have suffered as a result of inaccurate data being entered onto your creditfile then you are not alone. You should make an immediate written complaint to the:- Information Commissioner'sOffice Wycliffe House Water Lane Wilmslow
  23. Long overdue but looks likely to stop those PPI and accident claim txts. http://www.dailymail.co.uk/news/article-2211214/Is-end-unwanted-texts-PPI-firms-Two-men-face-250-000-fine-sending-millions-messages.html
  24. Hi all, I received my reply from the ICO saying that my previous employer was "unlikely to have complied with the DPA due to them not supplying the information requested within the 40 day statutory period." also that the amount of time they took to request the fee, was excessive. When I requested my details, they had no clue what I was requesting. They sent me my "personnel file" when I queried this (I had worked there for 16 years so it was quite substantial!) and told them it was everything that they had on me, I received another package with some other bits. But I am still convinc
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