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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Court Action Started Against CRA and Lowell

sbfido

By sbfido
in Debt Collection Agencies

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sbfido

sbfido

Posted
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Posted

I intend to pursue this matter and now applying for compensation. The amount owed was for my costs pursuing the matter i am more than happy to chase them for more if they wanna play.

 

I have also notified the ICO of the letter they sent saying that the information i got from the ICO was not the way they wrote it and that i still need to pay. mmmmm sad that as the matter has just opened the case and that the ICO will ensure they remove the information about me if needed. I had a really helpful chat with them (for once).

 

This will no doubt generate further evidence for court as well so i get a win / win situation lol.

 

They can apply to set aside but will fight it also.

 

Finally the agreement doesn't have my name on it - So i hope they ready for the fun, 5 years of a default that was unlawful - how much compo is that worth.

 

:cool::cool::cool::cool::cool::cool::cool::cool::cool::cool::cool:

 

I do hope equifax and experian are also prepared i have contacted my house insurance as have legal protection and feel this is a personal legal dispute, i also have a director policy too and as a member of a large institute that provide legal support. one or the other will no doubt assist with legal costs and challeneges.

 

Watch this space i will update as much as possible.

 

:):):):):):)

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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  • 1 month later...
sbfido

sbfido

Posted
  • Author
Posted

Have defense from CRA Equifax.

 

They ask for a strike out on the grouds that myclaim against them in respect of breaches of data protection act is not enforcable as they are Only Data Processes. (they are registered as data controllers)

 

Further more that i should have raised the issues with the ICO and they stated i didn't - Opps they didn't read the emails i sent them including the ruling of the ICO.

 

They also claimed i should have taken the person providing th information - opps they are the second defendant. the claim is against both parties.

 

Further more the other default they publish was removed after court action.

 

Think the solicitor needs to do her homework.

 

:D:D:D:D:D:D:D:D:D:D:D:D

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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cerberusalert

cerberusalert

Posted
Posted

A reputable company like them wouldn't try to deceive would they? ;)

Retail Credit Company's extensive information holdings, and its willingness to sell them to anyone, attracted criticism of the company in the 1960s and 1970s. These included that it collected "...facts, statistics, inaccuracies and rumors… about virtually every phase of a person's life; his marital troubles, jobs, school history, childhood, sex life, and political activities." The company was also alleged to reward its employees for collecting negative information on consumers. Equifax - Wikipedia, the free encyclopedia
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sbfido

sbfido

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A reputable company like them wouldn't try to deceive would they? ;)

 

They think they have a statatory right - however the law is there for us all, and as my MP has now ask the ICO if they treat all data controllers the same - i am sure the CRA's are going to be in for a little ride. this is not about £500 costs its about my rights to be protected from private limited companies avoiding thier legal obligation and hiding behind facticious information that is not in legilsaton.;

 

hope they complied with the 8 principles. As they registered they would,

 

Information is accurate ????????????????? mmmmmm may be not looking forward to court in Rotherham.

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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sbfido

sbfido

Posted
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Posted

I have just got off phone with information commisoners office -

 

EQUIFAX are joint data controllers and they therefore must comply with the principles of the data protection act.

 

They are confirming this in writing to me, there statement that they are data processes jointly with the providers.

 

It would appear that MP's have earned my respect on this occasions :lol:

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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sbfido

sbfido

Posted
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Posted
Ive Not Enjoyed A Thread In Months

Sbfido, You Are A Credit And Inspiration And Take My Hat, If I Had One, Off To You

 

Still Cant Stop Laughing

 

Will post court details to be held in Rotherham in the very near future

 

Planned 3 hours - i only need 20 mins lol - can't wait to see the face of the soicitor l

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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sbfido

sbfido

Posted
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Posted
Can I book a ticket?

 

GK

 

will post date on here lol

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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Belaflat

Belaflat

Posted
Posted

I'll bet it doesnt end up getting to court after full particulars are scrutinized by their legal team and they realise they have stepped in an enormous steaming pile of their very own bovine pooh.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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stockport6

stockport6

Posted
Posted

Why have the ICO not hit lowells with an enforcement notice. I have sent Lowell -life a SAR request which they sent back with my £10 Postal order saying

 

"Upon further investigation, we are now able to confirm that we have contacted you erroneously and that you are not, in fact, our debtor.

 

As such please accept our apologies for having troubled you, along with our assurances that your personal details have been removed from our databases. Please also be assured that this will not affect your credit rating at your address in anyway."

 

Pity they have already put a default for this on my credit file with gues who.....Equifax. I am also going to send a SAR to equifax to see what evidence they had to add it in the first place seeing as it was not mine.

 

I added this bit to the second SAR to lowells

 

 

"The Commissioner can now serve you with an 'information notice' requiring you to provide certain information within set time limits. Failure to comply with such notice, or providing deliberately false information, is a criminal offence. If the Commissioner concludes that there has been a breach of the Act, she may then serve you with an 'enforcement notice'. This could force you to cease processing personal data, or cease processing data in a particular way. Failure to comply with an enforcement notice is a criminal offence.

Criminal liability does not lie just with the data controller. It is possible for officers of a company, such as its directors or managers, to be personally criminally liable if the offence has been committed with their consent, connivance or neglect. Employees may also incur criminal liability in certain limited circumstances if they disclose or obtain personal data without authority of the data subject controller"

 

Perhaps the ICO should start biting instead of just barking all the time

 

Have you considered reporting it to the Finacial Ombudsmen and CSA to get them struck off.

 

Cheers

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sbfido

sbfido

Posted
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Posted
Have Lowells settled the CCJ yet? Or applied to have it set aside?

 

No they haven't settled it

 

and no they haven't applied for it to be set aside, hwoever can't see them doing this as the ICO investigation concluded they acted unlawfully.

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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sbfido

sbfido

Posted
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Posted

BUMP

 

Caggers -

 

As you may be aware my legal dispute in relation to the relationships with third parties and CRA's has resulted in a formal complaint against the ICO for the two tier standards.

 

This investigation has concluded and i can now inform you that the ICO consider CRA as JOINT DATA CONTROLLERS!!!!!!!!!

 

THE DPA STATES IN SECTION 4(4) THAT IT SHALL BE THE DUTY OF THE DATA CONTROLLER TO COMPLY WITH THE DATA POTECTION PRINCIPLES. (I HAVE THIS IN FORMAL LETTER FROM ICO)

 

THEREFORE THE CREDIT REFERENCE AGENCIES AND THE SUPPLIERS ARE REQUIRED TO COMPLY WITH THE PRINCIPLES.

 

A LITTLE LATER IN THE LETTER IT THEN GOES ON TO STATE: WHEN AN INDIVIDUAL DOES SUPPLY THE CRA WITH CLEAR EVIDENCE OF INACCURATE INFORMATION THEN WE WOULD NOT EXPECT THEM TO WAIT FOR THE ORGANISATION BEFORE ACTING UPON THE REQUEST. IT IS CLEAR THE CREDIT REFERENCE AGENCY SHOULD INFORM THE PROVIDER OF THE ACTION THEY HAVE TAKEN.

 

I WILL BE UPLOADING THIS INFORMATION ONCE I HAVE DISCUSSED THIS WITH THE SITE TEAM. THIS HAS SERIOUS IMPLICATIONS FOR CRA'S AND ALSO FOR THE COURT CASE I HAVE ONGOING WITH EQUIFAX. THERE ENTIRE DEFENSE HAS JUST MELTED.

 

WE ARE ONLY DATA SUPPLIERS

THE CLAIMANT COULD HAVE RAISED A COMPLAINT WITH THE ICO

 

OPPPSSSSSS WELL LOOKS LIKE I DID AND GLAD OF IT TOO.

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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snowy101

snowy101

Posted
Posted

Reading & loving this.

 

Fair play & the very best of luck to you Sbfido, your actions could & hopefully will be the start of, a mini revolution in regards the to unlawful & blatant disregard for the law & the way they just make the rules up as they go along.

 

 

Middxx

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joe1965

joe1965

Posted
Posted

More than that though, it may make the CRA realize that they are not an extension of the banks (even though most of them have links with them) and the law is there for everyone to obey. Not to pick just the bits they can use to cover themselves!

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