Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
DarkConvict

SAR/CCA to Vanquis

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3982 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Similar to http://www.consumeractiongroup.co.uk/forum/getting-out-debt/213625-sar-advice-one-send.html

 

Can anyone recommend which of the many SAR/CCA templates available are best to send to vanquis over a credit card debt & mis-sold PPI. I think i have the right ones but i would appreciate some advice from others before sending them off.

Share this post


Link to post
Share on other sites
Similar to http://www.consumeractiongroup.co.uk/forum/getting-out-debt/213625-sar-advice-one-send.html

 

Can anyone recommend which of the many SAR/CCA templates available are best to send to vanquis over a credit card debt & mis-sold PPI. I think i have the right ones but i would appreciate some advice from others before sending them off.

 

RE SAR template

Hi DarkConvict,

 

I sent the letter below and received back most of what I wanted.

 

25 Days Late,3.5 Kilos Of SAR Arrives With 1989 Agreement

 

It's from the CAG library more or less and is not too specific about any one aspect.

In a perfect world a Subject Access Request should give you all of the data that the recipient holds on you,but sadly it's not a perfect world and the Banks and other financial institutions are a million miles away from any degree of perfection.

 

 

Data Protection Act 1998

Subject Access Request

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBERS:

xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxxx x

 

 

Please supply me with all transactions and charges and all other data relating to my credit card and banking history with your organisation. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreements and any terms and conditions that applied to any of these account at the time of any default and at the time that these accounts were opened.

2. Dated and notated transcripts of all telephone conversations recorded, and of all notes made in relation to telephone conversations participated in by your company, or by any other interested party when dealing with my accounts

3. Where there has been any event in any of my accounts histories since they were opened which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account.

 

[if you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.]

 

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or any companies acting with your authority and on your behalf have sent me, together with a true copy of any proof of postage or delivery that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, and the date it was added.

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of any third party agencies to which you have disclosed my personal data and a summary of the nature of the information you have so disclosed and for what reason.

10. Copies of statements for the entire duration from inception of the credit cards and likewise for the bank account and details of any and all variations to the terms and conditions made applicable to any of these accounts during their existence.

 

In summary I require a full disclosure of all the personal data that your company holds on me including and not limited to:-

All account information, loan information, contracts, agreements, notes, screenshots, internal correspondence, telephone recordings and any related notes or transcripts, wherever held within the group regardless of the media, form or format in which it is held.

 

I enclose the statutory maximum fee of £10 by Postal Order No.xxxxxxxxx.

 

You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data resulting from this S.A.R. from my local branch of your organisation.

Share this post


Link to post
Share on other sites

And don't forget to type your name or just initial it don't use your usual signature and at the moment I would definately send it SD (doesn't go via royal mail) as opposed to RD due to the postal strike.

 

DG


I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

Share this post


Link to post
Share on other sites

Thanks, ill get that printed off now. its for a friend who has had the trouble so im sure he'll be glad i have this ready now :)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...