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    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
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John V Natwest/ moorecroft/ Robinson way - Urgent help needed


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Hi

 

I got a story and a half and need urgent help. On the 6th July i sent a CCA request to moorecroft which they sent a letter back 5 days later with my £1 postal order attached telling me they that they are no longer managing the account and to contact natwest directly. on the same day i got the letter robinson way contacted me via phone demanding payment i told them the account was in dispute i then got a letter off robinson way dated 12/07/2009 telling me the account is on hold as they are requesting the credit agreement or statement to verify i am liable to pay the amount due. what should i do now. they have not replied since then how long before i can challange this to be removed from my credit file

 

Thanks John

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hi John,

I wouldn't worry. It sounds like they have no cca.

personally i'd cca request robinscum way just to be on the safe side.

DO NOT SIGN the request. Also send it by recorded delivery.

if they cannot provide a signed cca then they cannot enforce!!!!

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Hi

 

Today i got a letter from robinson & way telling me that they are no longer Managing the account and that all future payments and correspondence must be sent to the client directly

 

What should i do now

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nothing!!!!

its obvious they have no cca and cannot prove you owe them anything

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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i'm not sure you can get defaults removed. I'm sure someone will be along soon to tell you either way

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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  • 3 months later...

Hello

 

I use the template letter off this website to advise them that the legal time frame was in dispute (that advises them to remove all data from there systems ect). I am going back to work and decided open a business and got declined for the business bank account, when i checked my credit report it still shows everything and i contcated to ask why and they have demanded i start the process again direct with them, they still tell me my account is with robson and way but i have a letter dated 12/08/2009 tell me they are no longer dealing with it

 

Regards

John

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  • 2 weeks later...

I can't comment on whether the interest is correct as I've yet to discover how those calculator thingys work, but other than that the bad news is that it appears enforceable - all the prescribed terms are there.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Whilst they hadn't complied they weren't allowed to enforce but now that they have, it's put everything right again.

Did they send a statement of account as well? Are there any charges you might be able to reclaim?

You should probably get some other opinions to confirm the agreement is enforceable.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 1 month later...

Hi

 

I got a letter of robinson & way just before christmas saying they are no longer dealing with the account, the letter had my account name and account number on but were it says balance it had 0.00 would that mean anything ?

 

John

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Not really, unless NatWest send it back to RW and they start chasing you again. At that point you could always send them a copy of their letter saying you owe 0 and see what they do.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi

 

I got a letter and phone call from wescot demanding full payment i advised them i have a letter saying i owe 0 and they are demanding the original letter to be posted to them.

 

What should i do now

 

Thanks all

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Hi

 

I got a letter and phone call from wescot demanding full payment i advised them i have a letter saying i owe 0 and they are demanding the original letter to be posted to them.

 

What should i do now

 

Thanks all

Send a copy, not the original.

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the agreement posted earlier does in fact look enforceable.......sorry

 

BUT you must have had a default notice........Ive never known RBS or NATWEST to get one right yet.

 

If you do have one post it up

 

and have a look here.....> http://www.consumeractiongroup.co.uk/forum/general-debt-issues/208663-tale-dodgy-dn-further.html

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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well......its the strangest default notice I have seen, but it looks compliant and the date is right........ASSUMING that they posted 1st class

 

do you have the envelope ???

 

if you follow the thread on the link I posted I think that you will find that banks "usually" post via UKMAIL or TNT which is deemed 2nd class

 

service of official documents is deemed to be on the 2nd WORKING day after posting for first class or on the fourth WORKING day after posting for second class

 

so if posted on the 1st Jan 2010 by first class it would be deemed served on the 5th then you need 14 clear days so the date to rectify would be 19th. on the 20th you would be in default

 

just to confuse the issue further....if the year had been 2008 and posted on 1st Jan then it would be served on the 3rd and the date to rectify by would be 17th and in default by 18th

 

ASSUMING 1st class post

 

read that thread......

 

hope this helps

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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