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    • Hi  Got a reply from hmrc help desk, wasn't much help just telling me to make sure everything is filled in correctly. Everything was cross checked by my partner. My Mrs has just said I may have filled a gateway account many years ago, I'm not sure,but that would have been the same details, just a different email address, the old one I can't access to look back on. Thanks H  
    • Do you work for a Fibre provider? I recognise some of the terminology.  I know this seems irrelevant but would be interesting to know. I am still reading this but it does seem to resonate quite well. Might be able to offer some advice 
    • The letter received on the 24 is the papdc???    So I should delete that paragraph from defence ??
    • It occurs to me that now you on the verge of a trial that you must been offered an opportunity to go to mediation. Is that right? Did you go to mediation? If so what happened? If you didn't go to mediation then why not?
    • Thank you for these uploads. I've had a look at the documents – both your claim form and the defence. They are both pretty sparse but from what I see, I'm afraid that I don't rate your chances of success very much. Why haven't you sued Interparcel or Evri? I asked you earlier on to post a bullet pointed chronology – and you haven't done that. I think we need to see the whole story. You bought an item from Amazon Germany – what date? The item failed – what date? You notified Amazon within the warranty period – what date? They then said you were outside the warranty period – why? You then sent the items back to Amazon – who made the arrangements for the return? You chose Interparcel – why? I don't see where parcel2go comes into it. They aren't a courier company they are simply brokers. I then gather that it was transported by Evri and it was lost while in their care stop You really have given very little the story either to us or to the court's or to the defendant. You came here in April for some advice but rather than answer our questions you went off on your own and am sorry to say I think that you might have thrown this case away. Give us more details and we will see if it can be rescued. You may find that you are in a position where you have to abandon this case and then go directly after Interparcel or after Evri. This would mean that you have sacrificed the claim fee on this particular case but at least you stand a better chance of getting your money back. Please answer the questions. It's very tiresome asking you questions and then not getting responses or having to chase you for them.     Also, have you prepared a witness statement and a court bundle? If so, where are they? If you haven't – then why not
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Bank shares credit details


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I am aware that the following is from 2005 but are banks allowed to share such information under the Data Protection Act?

 

Bank shares credit details

25.08.05

HSBC has become the first UK bank to share once-secret customer details with other banks and credit companies in an attempt to crack down on irresponsible lending.

Banks have long shared details of customers who have been struggling with repayments, but from now on HSBC will give credit-referencing agencies details of all the HSBC borrowing products customers hold.

A clearer picture

The Association of Payment Clearing Services backed the move. "This will enable lenders to build a better picture of someone's exposure to debt," said spokesperson Mark Bowerman. If more lenders followed HSBC's lead, lenders would be able to see how much debt the customer has already, making them better-placed to work out if they can afford to take on any more.

HBOS - the UK's largest mortgage lender - has also called on the government to release details of council tax arrears and student debts. However, as this demands a massive loosening of the data protection rules, the government is unlikely to bow to this wish any time soon.

Bad debts

The announcements follow BBC claims that trusted high street banks, including Lloyds TSB, have been mis-selling loans and loan insurance.

HSBC's move is a step in the right direction, as evidence mounts that we're starting to struggle with our £1.1 trillion collective debt. Lloyds TSB has recently confirmed that losses on its loans increased by 21% in the first six months of the year. HSBC said its bad debts were also worsening, while figures from the Council of Mortgage Lenders reveal that repossessions have increased by 50% over the last year.

How to measure?

However, even if more information is shared, the fact remains that there's still no effective guidance on how such data should be interpreted. Damon Gibbons, chair of charity Debt on Your Doorstep, said: "There's still a need for an objective measure for over-indebtedness. The government is struggling with this."

Despite government attempts to protect us from debt problems, there isn't any requirement for lenders to ascertain affordability. Paul Latham, finance director for Debt Free Direct, said: "We've got stronger rules for protection after the event, but we need them before the event."

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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That is what credit reference agencies do, share information, which reading this seems to be ok under the DP Act. The way I see it is that HSBC are showing any lending their customers have, not just loans etc. Not sure what else there would be though as I am not an expert.

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