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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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challenging the CRA's-have we all missed something?


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Been reading this thread for the last couple of hours and find it very interesting. One point which seems to be as clear as daylight comes to light. CRA record data with consent which is given in a credit agreement. Many of us have letters from lenders terminating the said agreement. Surely this recinds any authority to share info with CRA's. If a contract is cancelled then it's cancelled, all of it including permision to pass info to CRA's.

 

I think you need to keep reading, though, as there is more to it than appears to the naked eye. This is the kind of thing Experian, et al, spout when they are challenged on the subject - you consented to this, that and the other when you signed the agreement. If you read the Surleybond's Default link in my signature, you'll see the arguments against them processing after the agreement comes to an end.

 

Of course, though, the CRA doesn't have your consent to process. With amendments to the DPA, they don't need it, though - so long as they have a legitimate reason to process said data, you can tell them to go and build a sand castle on Blackpool beach, rather than continue to process your data, but as they don't need your consent, withdrawing it don't work. Different story when you challenge the Data Controller, though.

 

I've signed, too.

 

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I am new to this site so please forgive the potential over simplification, I have briefly read ove rthe replies but am wondering what would happen if a huge number of us simply wrote and withdrew our permission to hold and use our information. As there was no original specified time scale for retaining it in the first place ( not to mention their use of implied consent to use our info)

 

Oh and i have just signed the petition too.

ChaosHome

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Good point, Chaos. Sadly, even if everyone on CAG did that, it wouldn't be enough to make them sit up and pay attention. Millions of records won't be effected by a few thousand rebelling.

 

There's also the impact on you - if your credit checks return nil entries (as they are incapable of processing your data manually) that ultimately means a declined application for credit facilities, etc. You'd have to "opt back in" before doing it, which would take some time, then "opt back out" - plus you would have no history, per se, to show, so no credit history to go on.

 

'tis a funny one...

 

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signed up!!!

 

I've put a link on my facebook page so hopefully the link gets spread around.

Edited by suzby83

Bank Charges refunded from Halifax £2600

Bank Charges refunded from halifax joint account £554

Credit Card Charges refunded from Halifax £300 plus interest

:D

 

 

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There's also the impact on you - if your credit checks return nil entries (as they are incapable of processing your data manually) that ultimately means a declined application for credit facilities, etc. You'd have to "opt back in" before doing it, which would take some time, then "opt back out" - plus you would have no history, per se, to show, so no credit history to go on.

 

'tis a funny one...

 

Chris,

 

Did you get my PM - i'd read it cos it is important and personal to you mate!

 

Also, the lenders are not allowed to 'decline' upon a manual processing alert (i.e. whenever a NOC or s.10 is in force) - it must be processed manually..... I know in essence this means they will decline you but they shouldn't be doing this......

Stick to Facts ------ Facts don't Lie

:|

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lol.... i signed up with my CAG user name

Bank Charges refunded from Halifax £2600

Bank Charges refunded from halifax joint account £554

Credit Card Charges refunded from Halifax £300 plus interest

:D

 

 

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Chris,

 

Did you get my PM - i'd read it cos it is important and personal to you mate!

 

Also, the lenders are not allowed to 'decline' upon a manual processing alert (i.e. whenever a NOC or s.10 is in force) - it must be processed manually..... I know in essence this means they will decline you but they shouldn't be doing this......

 

No PM received? :eek:

 

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The MOJ is already in discussions to bring the 3 year limit in line with the European ruling..

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/203496-crudit-today-limitation-act.html

 

:D

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Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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signed petition - how many needed before it's likely to get even looked at, does anyone know?

 

 

Please note that to keep the system manageable, and justify use of resources, we can usually only respond to serious petitions of 500 signatures or more.

 

Here you lexis, looks like 500 signatures are required.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I've just had a thought occur to me

 

if CRA's are claiming law backs them up for keeping data for 6 years(I'm assuming they are trying to tie this up with statute barred legislation),then if you live in Scotland,you credit files should drop off after 5 years

 

any opinions?

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I don't think they rely solely on the limitations act - there are other Acts that cover Scotland, regarding company records and more importantly, prevention of money laundering, etc.

 

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