Jump to content


  • Tweets

  • Posts

    • jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

SAR ignored


johnsax
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5597 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Could anyone help so i don't mess up?

Lloyds have not responded to my SAR sent on 12/11/08 this was handed to my bank manager in person. i did 4 at the time with 4 diffrent £10 cheques have recieved a response from all but the big one! My personal account.

 

What do i need to do now? i have phoned them and rerequested it was told it would be with me in 2 days still waiting over a week ago.

Do i phone them and tell them they are in breach of the Data protection act or is there a second procedure to follow?

Meanwhile my OD is getting bigger as they have just charged me for being overdrawn on my overdraft when they have made the mistake by letting a cancelled DD go through.

Link to post
Share on other sites

Hi js,

 

My advice would be to write to them rather than ring. At least you've then got a copy of everything. I know it costs money, but send it recorded delivery to obtain a signature. I'd be ionclined to amend the original Subject Access Request letter from the template library, and say something along the lines of, " original request dated 12/11, 40 days to comply, advised 2 days after contacting them. set a deadline for compliance, and advise them that you'll be contacting the FSA under non-compliance regs"

 

you might even find a more appropriate non-compliance template in the library

 

 

Have they cashed your £10 cheque?

 

have you opened a parachute account?

Edited by charleyfarley

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

Link to post
Share on other sites

Hi,

 

The non-compliance letters are here..............

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Regards.

 

Scott.

Edited by maroondevo52
  • Haha 1
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Earlier on i called the Bank and got the run around as i expected i did let them know they were in breach of the data protection act. i have reported them to the information commisioner for breach after a converstion with them. should i now send the template 2 letter as well? just to get the ball rolling. or should i wait for the ICO to follow it up? i should be able to get this through the courts under the hardship case i think?

best JS

Link to post
Share on other sites

Link to post
Share on other sites

Oh Dear i may have made a bit of a boo boo:( i sent the following letter

 

"LloydsTSB Bank

 

 

 

 

 

Dear Sir or Madam,

 

 

Re. Account number: XXXXXX XXXXXXXXXX

 

 

I am writing to request a fully comprehensive list of all the default charges for direct debit, unauthorised overdrafts and standing orders I have paid over the last six years.

 

Please find enclosed a cheque for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of my statements going back six years; I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but the charges, which I’m entitled to by law.

 

 

If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.

 

I look forward to your response within 40 days, as Lloyds TSB Bankis obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.

 

 

Yours faithfully,"

 

I have set this letter for each account held i got the letter from MSE from what can gather i should just have sent a generic letter asking for All info on me.

Result was info on 3 business accounts i believe ican't apply for these now due to a ruling Is this the case??

 

So i am waiting for info on the personal account.

 

Should i now submit a Subject Access Request for my loans and Creditcard???

and send another £10 (Already mistakenly sent them 4 cheques for £10 each from parachute account). This is with the Halifax with the merger will this hamper me? do i need to find another parachute account?

i filled a complaint with Information Commissioners Office via there website this has been acknowledged by the Information Commissioners Office do they work or not?

God im confused and i have only just started

Link to post
Share on other sites

Lloyds normally only respond to the SAR with a breakdown of charges, these are sent from Birmingham. They are probably snowed under with requests.

 

If you want a FULL SAR, I would send the one from the PPI forums

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-subject-access-request-ppi.html#post1198765

 

The £10 fee should cover ALL accounts with ths same bank (Can you cancel 3 of the ones you have sent )

 

The confusion goes away after about 3 years :p

 

 

Jogs

Link to post
Share on other sites

THanks Jogs

do you mean cancel the cheques? the man from the ICO said if the cash them it is illegal so i figure they won't bother anyway.

cheers again i will send the other request also now't to lose but time. but i won't send the £10 i will just quote the cheque numbers if they ask for the tenner

Link to post
Share on other sites

johnsax,

 

If you register for t'internet banking, they say you can view account statements going back to 2002. Whether it's actually true or not, I'll let you know as soon as my online account goes live

  • Haha 1

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

Link to post
Share on other sites

Charlie just done the online thing with lloyds banking it goes back to 01jul 2002 i did a search on charges going back to nov 2002 first SAR went out then took some time i cut and pasted the results into excel and i have come up with £5525.13 in charges andO/D interest can i claim all this back?? and how do i go about it as it is over the £5k threshold for the court? they also have taken £1450 on my busines accounts?

robbin B'strds:shock:

Link to post
Share on other sites

Hi,

 

Have a look at the step-by-step.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Think your snookered for the Business Charges at the moment, I'll get a 'link' for you.

 

http://www.consumeractiongroup.co.uk/forum/business-claims-bank-charges/

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

js......my original Abbey claim was for £8.4k................no problems at all;)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

Link to post
Share on other sites

js,

 

My understanding is a bit rusty, but it always used to be the case that you could claim back more than 6 years, on the understanding that the six-year rule doesn't apply if there was any deception involved( ie you weren't aware of the unlawfulness of the action), and only became aware of the unlawfulness subsequently.

 

 

It strengthens your case, if you've got charges pre-six years and post-six years, because then they get treated as all part of the one action. It's much harder if all your charges on a claim are over six years old

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

Link to post
Share on other sites

fine thanks again charlie, i have about 4 months over the 6 years all the rest are post 6 years so i will claim all back that i can trace cant get further back than jul 02 unfortunatly but total is now £5658.58.

I just wondered should i now start a new thread calling it Johnsax-Lloydstsb??

Link to post
Share on other sites

I just wondered should i now start a new thread calling it Johnsax-LloydsTSB??

 

Good idea ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...