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    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
    • Apologies for the prolonged radio silence!   To cut a very long story short, I went back to Barclaycard (because I bought the car with my VISA card) and they offered to repair the car at a cost of £2500.   We accepted the offer because we were advised that even if we went to court and won the case, there was no guarantee that the dealer would give us our money back anyway or would end up paying us £10 a week for the next umpteen years.   The decision to have the car repaired was also made in the light of the fact that apart from the gearbox issue the rest of the car was in good nick. It is running fine after nearly 4 months now, so even if our friend gets a few more years out of it it will have been worth it.   Now that it is all settled I can reveal the name of the dealer - it was Thatcham Motor Company, in Thatcham, Berks. Very pleasant to deal with at first whilst everything was ok but boy oh boy, beware if anything goes wrong!   Similarly Momentum Warranties who provided the 6 months "warranty". On paper this warranty apparently covers practically every conceivable fault that the car might develop until you try to make a claim!   It seems that only if a component physically breaks that any cover is provided, otherwise they will hide behind the "fair wear and tear" get-out clause. Can an ECU unit be subject to wear and tear?   I would not touch either of these outfits again with the proverbial barge pole. Buyer beware!   One further thing I forgot to mention. We ran up considerable expenses trying to sort all the issues - the engineer's reports, travel costs etc.   Is it too late to try to claim these back from the dealer now? I just ran out of energy by the time Barclaycard agreed to pay for the repair but now the dust has settled I am up for it again!   Would this have to be done via the Small Claims Court?
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Suggestions please - someone used my address to get a £2K loan from Nat West

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Subject says it all really. I bought my current house 2 years ago and have discovered today that one of the previous owners has successfully received a £2K loan from Nat West using my address. I'm assuming he must have walked into a Nat West branch and used out of date ID with his old address/my address. How did he get credit checked with this address? He is off the electoral role? Someone suggested the banks use out of date electoral role data to check identities.

 

Anyway, his statements are coming to my address and he has already missed at least 1 payment.

 

So seeing this I started opening his other mail. Some of his debts I already know about (the local council are still chasing him for unpaid council tax). I discovered another letter from Advantage Loans telling him to contact them as he had been approved for another £2K loan he had applied for.

 

I called the Police today (waste of time) and while I have a crime number for this, they say technically it's the Nat West that have been defrauded not me - so it's the Nat West who need to pursue this matter.

 

From my point of view, I am sure this has damaged my ability to gain credit - just at a point in my life where I was starting to see my own credit status back to a good rating. Now this has been (potentially) ruined.

 

I intend to write to Nat West and Advantage to tell them they have been defrauded and, of course, need to get my credit reports to see what damage this person has done to me.

 

What else should I be doing to clean this mess up?

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1. It's unlawful to open other people's mail. Just return it all to the sender.

 

2. Presumably the miscreant has a completely different name to you. If so your credit record won't be affected as such records are based on the person's name.

 

3. You could/should write to NatWest and the other creditors explaining that you have 'inadvertantly' opened the mail addressed to the other person, and that that person does not live at your address and hasn't done for a long time (if at all). His use of your address is clearly fraud and you will assist them in clearing up the matter if required.

Address the letters to the Fraud Dept of the organisation concerned.

Also explain you have already reported the matter to the police.

Send all letters by recorded delivery.

 

4. The electoral register itself can be up to a year out-of-date. If organisations are slow to get the latest version then the copy they hold can be mych more. Using this method to verify your identity and address can be unreliable.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Thanks for the help Pal, I'm happy that I haven't missed anything important.

 

Wth regards to your point number 1, about it being illegal to open other peoples mail, I am surprised at this law. Personally, for 2 years, I have been returning his mail unopened "back to sender" for virtually all of these companies, yet the companies seem to ignore that and keep on re-sending them back to my address.

 

But the one time I open his mail, I discover what he has done - this seems to be when the companies start to take action. As an example, I rang up the Baillifs that are chasing him for unpaid council tax and it seems the only way to stop them sending the same baillif letters again and again is for me to send a utility bill to them as proof of my own residence at the property.

 

This all seems to make a mockery of the fact it is illegal to open someone elses mail! :-)

 

Oh well, hopefully my letters will resolve this. I'll be getting my credit reports to see if they have "linked" me to him :eek:

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Thanks for the help Pal, I'm happy that I haven't missed anything important.

 

Wth regards to your point number 1, about it being illegal to open other peoples mail, I am surprised at this law. Personally, for 2 years, I have been returning his mail unopened "back to sender" for virtually all of these companies, yet the companies seem to ignore that and keep on re-sending them back to my address.

 

But the one time I open his mail, I discover what he has done - this seems to be when the companies start to take action. As an example, I rang up the Baillifs that are chasing him for unpaid council tax and it seems the only way to stop them sending the same baillif letters again and again is for me to send a utility bill to them as proof of my own residence at the property.

 

This all seems to make a mockery of the fact it is illegal to open someone elses mail! :-)

 

Oh well, hopefully my letters will resolve this. I'll be getting my credit reports to see if they have "linked" me to him :eek:

 

If it comes through your door then you are within your rights to open it, simple as that. It becomes your property. Many people return items marked as not known, in your case it is obviously good that you did open it.

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I am glad that I opened a letter addressed to the guy I bought a house from many years ago. It was a repossession warrant and if I had ignored it I would have been evicted seven days later as someone had forgotten to tell the bailiffs that he had paid off the loan when we bought the house. It still came fairly close and was a very scary experience.

 

I think if you are still getting mail for him after two years that is not quite the same as if it was only a month or two.


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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