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    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
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JD Williams sent SAR received a questionnaire?


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ACCOUNT NUMBER XXXXXXXX

 

I sent a letter and £10 cheque on the [insert date of first request] for a Subject Access Request as is my right under the Data Protection Act. I expect you to furnish this information within the 40 days stipulated under the D.P.A. The questionaire you have sent me does not comply with this request. It is your legal obligation to comply with this request .

 

If you do not supply the information within the 40 days, you will have breached my rights under the D.P.A. section 5. You then leave me with no alternative that should I not receive the requested information within the stipulated period , I will forward copies of my requests to the Information Commissioner. Please note, failure to comply and you will be in breach of the Sixth Data Protection Principle and liable to compensation to myself together with a fine of up to £5000.

 

Any further protractions on your part in this matter and a formal request to the data protection supervisor will be made to undertake an assessment of the information you have on my behalf.

 

I look forward to your timely response.

 

Find enclosed a copy of my original letter.

 

Or you could just wait it out for the 40 days to expire ... instead of a warning , so to speak .

Edited by Percival Wigglesbottom
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JD Williams are full of crap you don't need to supply anything to identify you and they know this they are just tring to complicate the matter. I had a similar problem with one of their other companies and they tried the same tactics of asking to answer a few questions.

 

I would respond by sending them nothing other than a letter telling them that the days are now counting down and time is going to run out sooner or later and they will be in breach of the time limit normally allowed. I would also put in the letter that the address you have given is the one that you would normally use to communicate your personal business with them and as so far been acceptable to them.

 

Don't sign the letter.

 

Thats all you need to do my friend.

 

I would also throw in a CCA request as well for good measure not forgetting to enclose a postal order for £1 as alot of JD Williams accounts are unenforceable, I can bet good money if JD Williams get a CCA request they tend to crawl back under the stone they emerged from.

Edited by nicolee2931
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I would respond by sending them nothing other than a letter telling them that the days are now counting down and time is going to run out sooner or later and they will be in breach of the time limit normally allowed. I would also put in the letter that the address you have given is the one that you would normally use to communicate your personal business with them and as so for been acceptable to them.

 

Thats all you need to do my friend.

 

I would also throw in a CCA request as well for good measure as alot of JD Williams accounts are unenforceable.

 

 

A point very well made.

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If they normally contact you at the address they sent the reply/questionnaire then state it has been good enough in the past and if it isnt then why have THEY been putting your data at risk?

 

I had a similar request from an OC inreply to requesting ID and played along, but photocopied my d. licence and changed the signature completely in the hope that they would use it;) They didnt:(

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Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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Thanks for all the replies :D, I will send the letter and I will enclose a copy of my council tax bill as ID, it will save them sending me a letter saying that they are entitiled to ask for ID :rolleyes:

 

I will send the CCA letter aswell.

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JD Williams tried every trick in the book with me ALWAYS stopping short of court action. I got the letters, the phone calls, and last but not least the threat of turning up at my home.

 

Their world suddenly came crashing down on them when I sent them a SAR, they replied wanting me to answer their questions, & I retorted by telling them the days were now counting down before they were in breach of my request, and the address they normally use has proven to be acceptable to them to communicate with me. I also sent them a CCA request.

 

Now other than one brief skirmish which involved sending them another letter telling them no CCA = no debt I have not heard anything at all from JD Williams for at least 12 months, the letters, phone calls, & the usual threats stopped suddenly.

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JD Williams tried every trick in the book with me ALWAYS stopping short of court action. I got the letters, the phone calls, and last but not least the threat of turning up at my home.

 

Their world suddenly came crashing down on them when I sent them a SAR, they replied wanting me to answer their questions, & I retorted by telling them the days were now counting down before they were in breach of my request, and the address they normally use has proven to be acceptable to them to communicate with me. I also sent them a CCA request.

 

Now other than one brief skirmish which involved sending them another letter telling them no CCA = no debt I have not heard anything at all from JD Williams for at least 12 months, the letters, phone calls, & the usual threats stopped suddenly.

 

 

Did they respond to the sar then?

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Thanks for all the replies :D, I will send the letter and I will enclose a copy of my council tax bill as ID, it will save them sending me a letter saying that they are entitiled to ask for ID :rolleyes:

 

I will send the CCA letter aswell.

 

If you are sure you want to provide a CT bill that should suffice to satisfy them, but make it quite clear that you didn't have to as they have an address normally used to commuicate business between yourselves. Make it clear that you want this CT bill returned to you using the same care and attention used by yourself to get this information to them.

 

Remember don't sign the letter, and send it recorded signed for so you have proof of posting.

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They replied to the SAR only with a couple of days to spare, I will have to have a look but I think I recieved the paperwork on the 37th day. I'm still waiting for the CCA request. :lol:

 

:grin: thats great!

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If you want to send your council tax bill, then you are going along with their position of them not being sure you are who you say you are to send these documents too and require evidence of your identity. If that is their stand, then put an official complaint in along with the CT bill quoting the OFT debt collection guidelines section 2.8 :

 

Deceptive and/or unfair methods

 

2.8 Examples of unfair practices are as follows:

 

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question.

 

Which they are therefore in breach of .

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Ok, but they are entitled to ID arent they? I thought I read that on here somewhere.

 

Errrr who told you that? :confused:

Only the likes of the police/county courts etc.. has the legal authority to request personal id off you.

No-one else has.

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Errrr who told you that? :confused:

Only the likes of the police/county courts etc.. has the legal authority to request personal id off you.

No-one else has.

 

 

:confused: various threads on here?

 

Like this one

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/185316-mbna-sar-id-required.html

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  • 2 weeks later...

Hi

 

Okay got the SAR information back and a copy of my CCA. The CCA isnt signed and has my details filled in, in pen and has my current address on it, not the one where I opened the account.

 

Im not sure what to do now, the account is in arrears and they are getting snotty. The charges amount to about half of the balance, but with CI at the 39.6% it clears it.

 

Should I now send a letter to say the account is in dispute because of the CCA...or do I pay the arrears and go for the charges plus the CI?

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Hey sorry to but in on this thread but I was unable to start one of my own. Ive just started the process of claiming back charges from JD Williams for my mum. They sent me all the statements etc that I needed.

 

What prelim letter do I sent them and on what spreadsheet ie credit card or bank charges??

 

Any help much appreciated

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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Hi

 

Okay got the SAR information back and a copy of my CCA. The CCA isnt signed and has my details filled in, in pen and has my current address on it, not the one where I opened the account.

 

Im not sure what to do now, the account is in arrears and they are getting snotty. The charges amount to about half of the balance, but with CI at the 39.6% it clears it.

 

Should I now send a letter to say the account is in dispute because of the CCA...or do I pay the arrears and go for the charges plus the CI?

 

Brilliant! - that is JUST what you need, seriously.

 

The CCA they've sent is a trick - they expect you to sign and return it, so they then have a valid document to proceed with their claim against you! It happened with someone I was helping, and she was daft enough to do as they asked, so is now repaying the debt :mad: DO NOT sign it!

 

In effect, they do not have a valid CCA. End of story, they don't have a leg to stand on, and they know it.

 

Send them a copy of this one: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

 

Should be the last you hear from them - but they may try passing the matter to a DCA, other than (un)Reliable Collections - should that happen, you just need to send a 'bemused' letter.

 

Stop worrying about them now - they've lost! :-D

 

Quick note to kibby - click this Debt Collection Industry - The Consumer Forums then look for 'new thread' button.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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