Jump to content


  • Tweets

  • Posts

    • Apparently some journalists have heard that Sunak may call an election next weekend or in the week following the bank holiday Monday. With the election to be held at the end of June. Rishi Sunak could call snap general election | Politics | News | Express.co.uk WWW.EXPRESS.CO.UK Here's why the Prime Minister could announce a general election soon  
    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
  • 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

Help - RBS Mint want a fight!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4918 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

  • Replies 139
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Response contested.pdf

 

Hello one and all.

 

I have restarted this thread as I couldn't add attachments on the RBS thread and ended up with a confused thread combined with my CapOne dispute.

 

I have attached all previous correspondence in Post 1 and the latest letter received today to this post.

 

To summarize my situation, I live in an EU country having left the UK just under 2 years ago. A combination of the credit crunch/crises leaving me with reduced income, the diabolical exchange rate sterling to euro and having a car accident on the 7 Feb 2009, for which I am still having physio, leaving me not working at all now and arguing with an insurer about income protection payments, left me with no alternative but to look for ways of managing debt which is why I found CAG. Thank god I did because I have no way of paying credit card debts at the moment and what really annoyed me as well was the huge hike in interest rates being charged which I find indefensible.

 

I am now in dispute with 5 credit card agreements at different stages and this RBS Mint one is the most advanced so far.

 

RBS do seem to like playing games! My original CCA request sent on the 27 Feb 09 was responded to with a date of 20 March 09 but the envelope was postmarked 24 March 09! By my calculations 12+2 days was the 19th.

 

Similarly I gave them 21 days to respond to my last letter dated 23 March 09 and the response letter is dated 9 April 09 when the envelope shows 14 April 09, either side of the Eatser weekend.

 

Anyway, the letter attached states 'We have supplied a copy of the credit agreement that you agreed to after you received the credit card'. The 'agreement' they have sent is the application form which is not possible to be an agreement 'agreed to after you received the credit card' because I would have had to receive the card before applying!!

 

I cannot receive a card before I apply for it!!

 

Other idiocies are 'If you are not satisfied with this response, you may seek whatever legal redress they consider open to you'. Who are 'they'?? Looks like templates with various paragraphs to choose from being used.

 

They call my application 'credit agreement/application form' in a paragraph on the second page. Which is it, an app or an agreement?

 

They also state I 'cannot retrospectively withdraw consent' to data processing, is this true?

 

They threaten to add non payment info and defaults to my credit file. I am not UK resident and do not have a current UK address. Does anyone know if they can still add to a credit file in the UK on my old UK address?

 

I had about 14 calls to my mobile number from RBS Mint which stopped 2 weeks ago. All were ignored but I checked the number to find out who it was.

 

I would appreciate views on what to do next.

 

I cannot make payments due to lack of income and when it comes to paying credit cards or feeding the kids, it is obvious that the credit companies will come second every time.

 

I want to fight this and appreciate that my circumstances may be different to most in that I am not in the UK.

 

Apologies if this is a long post but it has now become serious so I need to know where to go with this.

 

Many thanks to all who respond.

Link to post
Share on other sites

Thanks again blueda.

Anybody got any opinions on other questions I have? Like the data processing, not able to retrospectively withdraw consent or the credit file additions when I do not have a UK address?

 

Thanks in advance.

Link to post
Share on other sites

If RBS are saying the account is not in dispute but I am can I get the account marked as 'in dispute' with any credit agencies who can update my file even if I am outside te UK?

 

I really would like to know where I stand with CRA's if anyone knows the answer please.

Link to post
Share on other sites

I would imagine that they will register the defaults with your last known UK address. If you come back to the UK and register to vote, this information will link to your old address(es) and your old debts. If your debt if unenforcable then I suggest you write to the CRA stating this but otherwise the defaults will only come off your file 6 years after they were 1st posted.

 

I would suggest signing up to Equifax and Experian and see what is going on your file on a monthly basis. I've been checking mine regularly over the last 8 months and its surprising what misinformation can creep up in there.

 

Hope this helps.

 

Dan

Link to post
Share on other sites

[ATTACH]7984[/ATTACH]

 

They also state I 'cannot retrospectively withdraw consent' to data processing, is this true?

 

I think this probably is true, but you are entitled to the data they share to be accurate,

 

They threaten to add non payment info and defaults to my credit file. I am not UK resident and do not have a current UK address. Does anyone know if they can still add to a credit file in the UK on my old UK address?

 

Do you have any connection with your old UK address? Where are RBS Mint sending your correspondence? I know debts can be pursued in EU countries, but I don't know anything about CRAs overseas. If they are using the wrong address, ie your old one, then it seems to me that the data is wrong, unless you still own the property perhaps.

 

I had about 14 calls to my mobile number from RBS Mint which stopped 2 weeks ago. All were ignored but I checked the number to find out who it was.

 

I would appreciate views on what to do next.

 

I cannot make payments due to lack of income and when it comes to paying credit cards or feeding the kids, it is obvious that the credit companies will come second every time.

 

I want to fight this and appreciate that my circumstances may be different to most in that I am not in the UK.

 

Apologies if this is a long post but it has now become serious so I need to know where to go with this.

 

Many thanks to all who respond.

 

Might be worth taking a look at the ICO site and perhaps contacting them. Complaints about data protection policy - ICO

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

Link to post
Share on other sites

Hi caro, I appreciate you taking the time to read the thread and for the response.

 

I do not own any property in the UK (my only 'asset' is a bank overdraft)and all correspondence is coming to my correct current address.

 

So I probably don't need to complain about anything for Data Protection from what you are saying.

 

I am aware that there are european laws in place to allow collection of 'uncontested payments' (I am using the wording in the legislation) across EU borders but not sure if that allows for accounts 'in dispute'.

 

I still don't know what my next step is. In post 10 blueda said I had already responded implying I should do nothing, I think?

 

I did not intend to be in this mess and I was happily repaying everything until last summer when everything started to go wrong.

 

I know, having read extensively on this site, that this is a long process but I am feeling unsure about the next move.

Link to post
Share on other sites

Told by Experian can't sign up on line without a UK address. I didn't want to give my current address as this would link my addresses together too easily when they may not be linked at the moment!

 

So don't know for sure what is being added to CRA's.

Link to post
Share on other sites

  • 2 weeks later...

Copy of Response 3 230409.pdf

 

Having sent a CCA request and then a CPR request the response to the CPR request is attached.

 

They continue to play games with the dates on letters as the letter is dated the 23 April 2009 but the envelope is postmarked 27 April 2009. I gave them 21 days to reply to the CPR request sent on the 31 March which was up on the 21 April!

 

The content of the letter is written as if to my legal representative and your client which I do not have! They have conveniently (for them) not mentioned that the last letter was for a copy of my agreement under CPR 31.16.

 

They refuse to acknowledge the account is in dispute (twice!) and refer 'your client' to the FOS twice as well.

 

Very poorly constructed letter from a 'Senior DCA Ofiicer'. What would a junior have sent!

 

Any thoughts on my next response?

Link to post
Share on other sites

I'm going to move this thread to the legal issues sub-forum where you may get others advising further.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...