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    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
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Wickes - injury from mirror


welshcakes
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Hi All

 

Just a quick opener as I am unfamiliar with Consumer Law and reasonable expectation for compensation.

 

Purchased a swivel mirror from Wickes Store last month. Installed it and next day when angling mirror it sjattered unde finger of left hand and shard of mirror glass split top of finger.

 

Stemmed blood flow, removed sliver from finger and dressed injury (only a half inch cut).

 

I wrote to Wickes requesting 3 things:

 

The product line be tested to ensure fit for purpose and withdrawn if not;

Reasonable recompense for injury (photographs offered);

A ful refund.

 

I advised Trading Standards in my home town but they wrote back immediately stating nothing to do with them and I should contact Consumer Direct.

 

Wickes have now written back with profuse apologies and telling me to take the mirror back to store of purchase for a refund.

 

What do you all feel about this. Do you think Wickes are addressing this reasonably by simply offering a refund? I'm sure if the mirror had broken when one of the children were using it, we would have beenin A&E with a severed finger.

 

It just seems to me that Wickes, like so many companies with an obligation to supply safe products, thinks that a one page letter saying sorry is the end of it. My consumer head is really quite disgruntled about this apparent apathy.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Did you go to accident and emergency? did you have a tetnus shot? have you a doctors report? did the injury keep you off work?

You will get nowhere for a little cut in the finger without them.

 

An apology and a refund will be all that is required.

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Hi both

 

Differing opinions which is always good to hear. I believe that the design is flawed and as such poses risk of injury whilst in normal use. Wickes state that they are a supplier to the DIY consumer, not just the trade so IMHO their products should be designed to be installed and used by the ordinary man in the street.

 

I will retain photos of the faulty product and make a follow up enquiry in a month to see whether Wickes has investigated the item's satisfaction as 'fit for purpose'.

 

With regard to treatment Conniff, I am ex medical staff and was able to self treat and my tetanus is up to date so not required.

 

My main concern is that this product which is designed to be swivelled by direct pressure on the mirror panel, and is specifically for the domestic market, could potentially cause very serious injury to the consumer; hence I am anxious for accountability.

 

Thank you for your responses.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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  • 9 years later...

DIY Personal Injury

 

 

I was injured at home by the operativ of my landlord in September 2015

 

 

I got a solicitor involved but poorly handled my case and did not progress it

I want to start this claim myself

I am not sure if my preliminary letter before action should go to

My Landlord

or

My landlord, The Operatives contractors

For neglect

 

 

My Injury is on public record i.e my GP and Hospital

 

 

Can anyone help, please.

thanks

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