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    • Hi welcome to CAG, just a couple of questions so the Team can get a bit more background and explore options with you.   Are those other people  copied on the Register of Electors at and are living at your address?   Is the bill solely in your name only?   Bit naughty if they have involved third parties, and that would be breach of GDPR, same as if a bailiff knocked and gave full details of a third party debt to you.   Might be worth contacting the ICO and asking them, I would ask Octopus what they are doing, if by phone record the call.  You could tell them that you consider it a GDPR breach and you will be reporting them. to ICO.
    • Ok, just cancel the DD mandate via your bank.   The gym or their admin Co will complain and tell you you owe increasing amounts of money but come here first before making any response.   There are no consequences you should worry about. Empty threats !!   Read other threads here about Harlands and their methods pre-lockdown.  
    • Who would I address the letter to?   The website says "Canalside Motors' as does the invoice. I have just checked and there is a Limited Company operating from the premises called 'Perry Barr Motors'. I do not have the individuals name.   I've seen this on those bailiff shows where they will try and wiggle their way out of paying by using different operating names.   Thanks. 
    • Good morning, I hope someone can give me a little bit of advice on an issue please? I have received an email from Octopus Energy advising that I have a debt and that it has been referred to Churchill Recovery Solutions.  Fair enough, I am in arrears.  However, there are issues about the email that concern me. They have copied my ex-wife into the email and also sent a copy to my son. My son's email address does not appear on the other recipients so I can only assume that he has been copied in under Bcc. So the concern here is, where did they get these email addresses from? I never supplied them so have I been hacked? Secondly, have they breached GDPR laws by copying other people not named on the account into sensitive and confidential information? The claimed balance outstanding was clearly displayed on the email.   I am a little unsure of what steps to take here and would appreciate any advice/opinions please.   Many thanks in advance.
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
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    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Consumer Action Group Gives Me Hope - A Greeting

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I have suffered bank letters for years. I suffered from depression and was unable to hold down a job. There have been years when Lloyds Tsb have sent me a letter twice a month for a year. There have been months when I have had five or more letters. All of them informing me that I have no money and then charging me £30.


The pressure has been great, I have literally had breakdowns upon checking my post, sometimes I could not check it all, there are still piles of envelopes I did not have the heart to open. I have paid off my overdraft 5 times over (or maybe more) in bank charges. The bank has kept me in poverty for longer than I needed to be.


Then last night I was listening to Moneybox on Radio 4. I heard something which made my heart lurch, a message that gave me hope. Today I have avidly been searching through this database and I am smiling.


You see I am ready. I am ready to get my money back, I am ready to use that anger and misery that they have visited upon me, that twisted me and kept me low, that deprived me of holidays, clothes, and in some months food, to do something positive.


Hello Consumer Action Group. I thank you, even though I have not yet begun, just knowing the journey is possible is enough for today. If anyone can help me feel free and if I can help you then contact me.


Perhaps one day we may even be lucky enough to see a banking exec in the dock trying to explain how a computer generated letter can cost £30.

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even though I have not yet begun, just knowing the journey is possible is enough for today.


:) Welcome indeed, loosetooth! It made me ache in sadness to know what the banks have done to you. I dearly hope that you can get back what was taken and a return to health!


Follow the links in my sig to start your journey :)




p.s. I have quoted a phrase you typed ... :) beautiful! Thank you.

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

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

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

Advice & opinions of mechs' wife are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Good Luck... and let's hope this will give you something positive to focus on, with a shiny light at the end of the tunnel.


JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card



3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed


Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.


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