Davey vs Amex

[davey77]

Hi DD.. been away from the computer for a couple of days and just catching up.

 

In line with the securitisation i sent the following email to the ICO:

 

"I would be grateful for the ICO's views on requests for certain information under the Data Protection Act. Specifically in relation to a Subject Access Request to a Creditor by a Consumer for information the Creditor holds regarding an account that has been part of a Securitisation pool or has, past or present, been passed to such a third partly under such a financial arrangement - namely a SVP as part of any securitisation process. In failing to supply information relating the Securitisation would the Creditor have breached a request under the DPA?

 

Given that such an arrangement for an account, although aggregated for this purpose, necessarily links back to an individual it seems clear that basic information as to whether or not a given account forms part of an outside (third party) securitisation pool by having been sold to an SPV would essentially be classed as personal data and therefore any such arrangement should be specified in reply to a Subject Access Request. Also, to assess if that account had been at some point transferred to countries without adequate protection, or not.

 

Thanks for your reply in advance."

 

Today i had this so watch this space:

 

"Case Reference Number *********

 

Dear Mr davey

 

Thank you for your correspondence dated 21st May 2009 regarding ICO guidance on subject access requests.

 

The matters you have raised will be assigned to one of our casework teams before being allocated to a case officer who will respond in line with our current service standards.

 

Should you wish to contact us about this matter please quote the above case reference number. Failure to do so may delay the processing of your request.

 

If you would like to contact our Helpline please call 08456 30 60 60, or 01625 54 57 45 if you would prefer to call a 'national rate' number.

 

 

Yours sincerely

 

Signed on behalf of

Mr Paul Arnold

Head of Customer Service"

[citizenB]

Davey, I am going to copy your post above to the thread that DD has linked

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/202474-well-amex-declines-answer.html

I think it is very relevant to the discussion going on over there:D

Edited June 2, 2009 by citizenB
link corrupted

[davey77]

No worries CB. The ICO are taking there time but once i have a reply i'll post it here and on the other thread.

 

D

[citizenB]

No worries CB. The ICO are taking there time but once i have a reply i'll post it here and on the other thread.

 

D

 

Great, thank you.

[Desperate Daniella]

Thank you from me too.

[davey77]

No worries!

 

Nothing back from the ICO as yet and only a statement from Amex today including another late payment fee.

[davey77]

[the_shadow]

Hi Davey,

 

In all of this I think the fact they have not yet defaulted you is key, I was defaulted after one missed payment as I have an agreement from 2006 that is enforceable. These guys are like Vultures and dont hang around a carcass long, they'll pick the meat as fast as they can

 

S.

[davey77]

Hey,

 

Yes i know what you mean.. and that's what i hear about Amex constantly. That out of all the creditors out there they are the worst of the pond slime going.

 

Looking forward to seeing what they send next.. until such time as i can find a solicitor that wants to step on them for me lol

[davey77]

5 weeks later a reply from CallCredit about the Notice of Correction:

 

[Talbot]

what is a notice of correction?

[the_shadow]

"not apportioning blame on the lenders"

 

Yes, thats right protect your REAL customers you weasels

 

S.

[davey77]

"not apportioning blame on the lenders"

 

Yes, thats right protect your REAL customers you weasels

 

S.

 

yep! Exactly... the CRAs and the Lenders are practically the same companies. Stupid Cruel Underhand Morons

[davey77]

what is a notice of correction?

 

This will explain it best:

Notice of Correction - Consumer Wiki

 

Actually i am just forward thinking and know that it won't make any difference but wanted some wording on the files relating to the duff agreements for my own benefit and to show the respective DCAs etc who check my files that i am disputing matters, that there IS a dispute and i am still fighting.

[banker_rhymes_with]

Hello Davey77!

 

The Callcredit letter is just further proof that the CRAs are part of the problem...they are the corrupt Data Engines that power the whole rotten Debt Industry.

 

The mess the banks are in is ample proof that all the Credit Checks they ever carried out were all utterly pointless. Not one has prevented them from getting themselves in the mess they are in.

 

These idiots just wanted to know all about Consumers, thinking that knowledge would make life easier for them to make money out of us, both to cherry pick their targets, and nail any that dared to step out of line while being bled dry via the Debt Industry.

 

They were so lazy, they thought that by removing the thinking process from the lending process, they could fleece us just by pressing buttons and relying on intimate details spoon fed to them by the data harvesting creeps at the CRAs.

 

This is war. The CRAs are not on our side, never were, never will be.

 

Always deal with the CRAs on the clear understanding that they do not want to help you, and will do absolutely anything to avoid helping you if it's even slightly seen, by them, as being something that is opposed to the interests of the Debt Industry.

 

Think of them as you would The Borg on Star Trek: they all think alike, act alike and booolsheeet alike so, asking them for help to do anything will always be very hard work.

 

I know you know this Davey77, so these comments are aimed at those who have yet to appreciate just what the CRAs stand for.

 

Cheers,

BRW

[citizenB]

So Davey, how will they know if the signature you send them is the correct signature ??

[banker_rhymes_with]

Hello CB!

 

That has got me thinking...

 

...I hold a Shotgun Licence, and the neat thing about that is the Licence can't easily be copied, as there's a wavy pattern in the background that, when copied, produces the words FRAUD or COPY, something like that anyway!

 

It could be quite neat to have some small labels made up for CAG, that Caggers can buy from CAG, that you stick to the bottom of letters, i.e. it looks like this, you stick it at the bottom of the letter, and sign the Label:

 

=========================

XXXXXXXXXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXXXXXXXX

XXXXXXXXXXXXXXXXXXXXXXXXX

--------------------------------

-THE CONSUMER ACTION GROUP-

=========================

But, if copied, a little message appears...

 

=========================

XXCROOKSXCROOKSXCROOKSXXX

XXCROOKSXCROOKSXCROOKSXXX

XXCROOKSXCROOKSXCROOKSXXX

XXCROOKSXCROOKSXCROOKSXXX

--------------------------------

-THE CONSUMER ACTION GROUP-

=========================

I'm sure everyone would be happy to buy a little sheet of them, and use them when sending off CCA Requests, S.A.R.s and letters to the CRAs.

 

The idiots then get a signature, but can't do much with it!

 

Cheers,

BRW

[davey77]

Thanks for the info BRW.. always good to remind people that the CRAs are the enemy just as much as the Creditors.

 

CB.. try this:

 

 

Sign it lightly and put a line through it. Let them try to copy that and even if they do, you will notice.

[citizenB]

Fantastic idea, BRW.. I think this could catch on.

 

Thank you Davey, I have also linked stressed mum to this post.

[davey77]

I had a 'calling card' from RMA.. no idea who it was from so posted it on the Mint thread the other week:

 

 

 

I now know it's Amex as i have just had this email:

 

From:

[email protected]

 

Private & Confidential RMA

 

Dear Mr X, Can your please contact me to discuss your American Express account , i have been attempting contact with yourself since 08.06.09, and the matter is very important .

 

Yours Sincerely

Miss Natalie Clark

Senior Account Executive RMA

TEL : 01772 843096

[Monty2007]

Dear Davey

 

Rest assured, RMA/NCO will not be coming round - this is a rather sad attempt at intimidation.

 

I dealt with RMA for two years and they "managed" my account on behalf of Amex, during this time they lost payments, refused to respond to a SAR request or a S78(1) request. When I finally stopped paying them one of their team leaders went crazy and told me to keep paying other wise the account would be transferred back to Amex and that she would lose her bonus (no joke). I could not believe it.

 

I would not worry too much about them your account will be heading either to VilCol or Brachers Solicitors and there is a lot about both on CAG.

[the_shadow]

Hi Davey,

 

Dont go ordering any cream buns or anything similar..

 

Had one of those visit cards for my MBNA account which got passed to RMA, needless to say, no visit and if they phoned they got zapped by the truecall

 

S.

[davey77]

Thanks Monty and Shadow.. yes i realise it's just all bluff and nonsense as per usual from these morons.

 

Complaint sent to the OFT and TS re their tactics.

 

That is funny (moaning about her bonus) like you care?! lol

[citizenB]

Davey, if that came like that with no envelope, please send a copy of it to the OFT . That comes under the heading of physchological harassment, apparently.

[dp77]

Do any of these cards ever result in anyone coming round? I had the misfortune to deal with RMA a couple of years ago and I got a few of these 'The RMA Bogey Man is coming to get you' cards, but no one ever turned up.

 

What I found surprising was that even a small amount of resistance from me caused RMA to give up and pass the account to someone else. All well and good for me but the implication is that these tactics must have a degree of success, otherwise they wouldn't be using them. it is scandalous that DCA's are so unregulated.