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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
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    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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HSBC loan - no permission to share my data!


loz
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I already mentioned this on my PPI thread (and also described the circumstances under which I was forced into this loan):

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/121338-ppi-hsbc-loan.html

 

Thought the issue is worth raising here - I checked the T&C which form part of the loan agreement, and can't see anything which specifically gives them permission to pass my data to third parties ie. Credit Reference Agencies :o

 

tc1zb7.th.jpgtc2xb3.th.jpg

 

Before I go shouting at them over this I thought I'd consult you wise CAG people just to make sure that I'm within my rights to complain about this. There's nothing in the CCA 1974 which allows them to do this without my specific permission, right?

 

As soon as I'm done with my PPI complaint I will be complaining about the selling of the loan as a whole, and the Data Protection Act has just been added to my list of grievances.

 

Thanks in advance for your advice,

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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The question is then, how much could I expect to be compensated for them sharing my data for the best part of 3 years? :)

 

FWIW I have a CC with them also and I used to have a current account - any permissions granted therein apply solely to those accounts, don't they?

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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Hiya Loz, I think you need to have a look at these two threads

 

http://www.consumeractiongroup.co.uk/forum/legalities/28082-data-protection-act-1998-a.html

 

http://www.consumeractiongroup.co.uk/forum/legalities/70169-oft-guide-claiming-compensation.html

 

Hopefully they will give you the information you need :)

 

good luck and keep us posted

 

pete

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That's fantastic Pete, I was going to search for stuff like that later :)

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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First read the terms and conditions which you can find on their web site. From memory they have the right to share data either between companies or with external data agencies such as Experian or Equifax. The Government is actively forcing banks to share more data so think twice before instigating any sort of action in Court as this is not something you will find covered by the charges issue.

Good luck

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I've had a look at the sections that might somehow be relevant, but I can't see what you might be referring to. I'm not sure what relevance their website has to this loan anyway - the T&Cs I posted here is all I got, no reference to further conditions on the web or anywhere else for that matter :confused:

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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Ioz, check out section 2 of the latest T&C's as it gives clear authority to share data. The law also allows firms (not just banks) to vary the terms of their T&C's by giving 31 days personal (letter, email etc) notice of the changes. Again, good luck.

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Hammersmith,

IMHO the T&Cs on the site (the ones I think you're referring to anyway) relate to current accounts etc, not loans. Nowhere in the loan docs I have does it refer to these T&Cs - please correct me if I am looking at this wrong.

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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As mentioned on my PPI thread (http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/121338-ppi-hsbc-loan.html), I have just received a copy of a form which was not delivered as part of my original Subject Access Request :mad:

 

It refers to a document entitled "Your Information", which I have also not received a copy of - I am now wondering whether this mystery item contains my "permission" to process my data...?

 

How very tedious, I should report them to the Information Commissioner just for this minor infringement. I really hope they don't have my explicit permission though.

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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Hi loz,

My (limited) understanding of bank T&C's is that they cover all accounts, including loans and form part of the binding contract between the bank and its customer. That's why they have to issue them every few years by either a total re-write or through a notice of variation.

Good luck

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  • 3 weeks later...

I have reason to write to them about another matter so I will use that opportunity ask on what basis they are allowed to share my data. I have checked and double checked the materials they sent for my Subject Access Request, there is nothing there :confused:

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 1 month later...

Just to update, they still have not provided evidence that I gave them permission to share data regarding this loan, so I have sent them a "cease and desist" type letter under the DPA (s10 / 12).

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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