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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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DVLA & Inter-Credit International LTD


Swissknight4000
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Guys need some advice to see where i stand with this. I own a car which was SWORN recently and register to my current address.

Recently my father gives me a letter which was sent by Inter-Credit International LTD to his address chasing for money with a lot of legal stuff if he doesn’t paid up. Now the letter was for me and ended up at my dads address. He had every right to open it as we have the same name. I feel this is a very BIG breach of data protection and now causing a rift between the family which will take time to sort out.

The legal stuff states that if he doesn’t pay he was going to be taken to court.

I accept that the car wasn’t Tax OR sworn which I don’t mind paying, but what I don’t except is them sending this letter to my father regardless of the name we share.

I have big problem with the family now because of this, what can I do???

FACTS: I never lived at my father current Address

DVLA: Have my current information update included the SWORN

 

Please help?????

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If the car is not registered as being kept at your father's address then either the DVLA or Intercredit have used incorrect details.

 

In either case, your father is not liable at all because he is not the registered keeper of the vehicle despite any similarity in name. Not only that, one or both of Intercredit and DVLA are likely to be in breach of the Data Protection Act for sending him information about your personal affairs.

 

Your father should write to Intercredit informing them that the debt is disputed because the vehicle concerned is nothing to do with him and demand that they refer back to DVLA.

 

For your own part, do nothing until they contact you at the correct address.

:!:Nothing I post should be taken as legal advice. It is offered as an opinion only.:!:

 

This warning is in my signature because I'm not organised enough to remember to type

it in every post.

 

And you're considering trusting me????:eek:

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