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    • nothing new always been that way for 25+yrs now i had voip lines with NTL back in the late 90's which is why a real trucall box or a handset with real truecall software in it is SO good.   on average i get about 25-35 of these calls a month NONE get thru  the ones that spoof UK or mobile numbers are still screened are easily dealt with the truecall system   if they are real, the only thing they have to do is speak and you get an alert ring to listen to whom call with the option to accept or ZZapp them. once zapped that number never gets thru again.   its worthy to note that the scammers only ever use disconnected numbers, or fake numbers after a known local UK dialling code well the truecall software already knows these numbers as it gets the same databases the scammers use. if the number doesnt come up on the fake/disconnected list, it also then checks if the UK number is listed active UK and will auto put people thru   very clever little device worth every penny and mine is from 2006 when i joined CAG.
    • No the info on comms log isn't quite right,   I hadn't worked since Xmas due to bereavement but I wasn't staying in Somerset since the Xmas. The comms log is very deceitful indeed and after I had finished evaluating it fully I came to the conclusion MB are very manipulative, they lie, cheat and twist the truth, but it only takes the slightest slip up and everything crumbles.   You see in order for MB to have taken any further steps they have to be entitled to take them. So when they lie and try to deceive the truth prevails 😊, so to send a copy of a Default Sums Notice dated 15/1/17 that doesn't exist on the log anywhere and Ive never had the original and then fail to include one in the SAR that is listed on the log as generated on 18/1/17 (not had this one either)  doesn't the consequence of that 1 act prevent them from any further action until the notices are served    86 (e) Notice of default sums (5)If the creditor or owner fails to give the debtor or hirer the notice under this section within the period mentioned in subsection (2), he shall not be entitled to enforce the agreement until the notice is given to the debtor or hirer.       But I am reducing the complaint and sticking to basics
    • keep to recent threads/ifo.   things have changed since the new Conc rules replaced the old rubbish a debt owner must either put up or shut up did you not read the SB letter yourself?      
    • cnt see any indication of what the devil the IVa company were upto in court just because the IVA failed. i can see it was done thru PayPlan, bit it wouldn't have been payplan that did it some fleecing mob like Harrington Brooks or alike.  
    • threads merged  reading up now.   dx  
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I have been handed this today-It is obviously RLPS offshoot.

There are some quite disturbing things here,given the nature of many CAG members concerns at the hands of RLP.

read this;

 

IntegrityScreening.co.uk

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Data Sources

 

 

Integrity Check

 

Cireco searches an applicant against a unique data set of dishonest individuals reported for civil recovery utilising derivative data captured for the detection and prevention of crime including verifying information on job application forms. These individuals have either attempted to, or taken goods or services without intending to pay for them, either as a customer or an employee.

 

Full report information returned includes the date, amount and type of offence. Whether violence has been a factor and the status of the case.

 

Identity Check

 

Identity Check verifies an applicant in seconds against multiple, approved and independent data sources, with both identity confirmation and address validation.

The system conducts verification against a range of data including the following:

 

  • Electoral Roll
  • Office Address File (PAF)
  • Mailsort database
  • SHARE data (account performance data)
  • IP address checking
  • Politically Exposed Persons file
  • OFAC (SDN) file
  • Non standard address list
  • UK Investors file
  • Gone Away Suppression file
  • Terrorist file
  • Fraudulent passport data
  • Directors at home data
  • Public data (CCJs & Bankruptcies)

 

Credit Check

 

The system conducts returns against a range of information:

 

  • Public information (County Court Judgments, Decrees, Sequestrations, Trust Deeds, Individual Voluntary Arrangements and Bankruptcies)
  • Electoral Roll
  • Deceased indicator
  • Historic credit search information
  • Fair Issac score that uses public data that rank orders consumers according to whether they will repay borrowed money as agreed, relative to the population of other UK consumers. It gives an indication of their relative likelihood of credit risk.
  • Address links, providing searchable previous/forwarding addresses
  • Geo-demographic data powered by CAMEO a highly discriminative consumer targeting system

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Data Sources

 

 

Integrity Check

 

Cireco searches an applicant against a unique data set of dishonest individuals reported for civil recovery utilising derivative data captured for the detection and prevention of crime including verifying information on job application forms. These individuals have either attempted to, or taken goods or services without intending to pay for them, either as a customer or an employee.

 

Full report information returned includes the date, amount and type of offence. Whether violence has been a factor and the status of the case.

 

 

My bold and italics

 

Question: In cases where liability has been denied and there has been no court involvement is this not libelous? Surely these clowns must prove their statements not just make assertions?

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It appears not Wolfie. The law in Britain as I know it is 'innocent until proven guilty'.

 

RLP appears to be above the law and this therefore does not apply. I can't find the right words to describe this bunch of clowns!

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We have lots of other stuff-I need to check the legal side to cover ourselves before posting it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Company Name CIRECO LIMITED Company Number 05323529 Holding Company RETAIL LOSS PREVENTION LIMITED Ownership Status Wholly Owned Ultimate Holding Company RETAIL LOSS PREVENTION LIMITED Companies in Group 2

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Their website is terrible. "CV's" (what belongs to the CV?) And never trust any comany that uses "utilises" where uses would do.

 

Since I'm just a part timer with a poor credit history, I must be a thief.

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Yes its extremely disturbing.

I think everyone who had had problems with RLP in these forums should be sending a SAR to Cireco.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I think there has to be some kind of burden of proof.

Ok lets assume that they ARE licenced outside usual criteria and have permissions to process data on the basis that this is for the purpose of crime prevention and fraud bla bla bla.

They appear to be using this on the basis that in many cases the subjects have signed their docs often under duress,or certainly it was never explained to them.

We have to remember-in the cases we have seen on these forums not a single case has been proven in a Court of law.

One case that was prepared for prosecution has been dropped,a further 2 cases were dropped after the Police offered Cautions,but were quick to state that any Civil recovery action was nothing to do with them-and by accepting a caution they considered the matter closed.

I am not convinced that even refusing the caution would have brought about prosecutions,the CPS had already decided that a prosecution was neither in the public interest or either would fail.

Easy to say dont take the caution I know.

Both RLP and Cireco need to be taken to task and work is ongoing to assess what needs to be done.

RLP make clear in their letters that your data will be the subject of their attentions-and not in a nice way.

We need all those who have had such letters to make a formal complaint to the ICO.

In this country its innocent till proven guilty.

I dont care what RLP say-trying to find a case in which the Judge has passed jugement in their favour is like trying to find a railway worker who signed Ronnies pardon petition to Jack Straw-I dont think you will find any.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

RLP and what they do is an absolute DISGRACE, what is find particually discussing is the fact that "credit ratings" are used as part of their honesty check!!

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  • 2 months later...
We have lots of other stuff-I need to check the legal side to cover ourselves before posting it.

 

If Tesco are supplying a data source of alleged dishonest persons to a database then this has extremely worrying consequences for the future. Furthermore, it does not comply with the Association of Chief Police Offficers (ACPO) guides which strictly forbids companies from creating databases of dishonest people.

 

The worrying consequences for the future are these. Within the next few years Tesco will become a High St bank. Once they do, I would image that they will along with all the other High St banks contribute the banking systems anti fraud database. Only, tesco will be able to provide a data source of dishonest persons that will be accessible to all the other High St banks. So we are sitting back and allowing a sytem to be developed whereby somebody's whole financial future maybe compromised because of an unproven false allegation of dishonesty is on a database.

 

What chance will anyone have of getting a mortgage, a loan for a car, a loan for a holiday or even a bank account if they are on a list of dishonest persons.

 

I think that peple will be outraged once they realise what is happening. So what is the best way to highlight this database of dishonest people.

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you may want to do some research on "Association of Chief Police Offficers (ACPO)" , which is a limited company and NO Lawfull Status

NEVER FORGET

 

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Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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