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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit Ref Agency reply to DPA s.12 request-help please


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I have a further reply from Callcredit.

 

I sent this to them on 30th August

 

Thank you for your reply.

 

I do not agree with your claim that Callcredit is not subject to Part 2 Section 12(1) of the Data Protection Act 1998. The relevant paragraph reads:

 

“An individual is entitled at any time, by notice in writing to any data controller, to require the data controller to ensure that no decision taken by or on behalf of the data controller which significantly affects that individual is based solely on the processing by automatic means of personal data in respect of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct.”

 

You will note that nowhere does it mention any role in the acceptance or otherwise of credit applications, merely that any Data Controller must ensure that no decision is taken based on automated processing of subject data. This does not refer solely to the prospective lender but to any Data Controller involved in the process and this includes Callcredit. You will of course be aware that breach of the Data Protection Act 1998 is a criminal offence.

 

I would also draw your attention to Part XII Supplemental of the Consumer Credit Act 1974 Section 174 which states:

 

“174 Restrictions on disclosure of information

 

(1) No information obtained under or by virtue of this Act about any individual shall be disclosed without his consent.”

 

There are some organisations that are exempt from this provision but none of them is a Credit Reference Agency.

 

Callcredit is making my subject data available to any applicant via an automated process and without Callcredit holding any contract or other permission from me to store or process it by any means, let alone by an automated process. If you disagree with this statement please send me a true and certified copy of the contract whereby I have agreed that you may hold and process my data.

 

I repeat my demand that you remove all data relating to me from any of your systems that allow the data to be automatically processed. I will give you a further seven days to conform to this demand following which I will commence legal action to enforce your compliance with the Data Protection Act 1998 and the Consumer Credit Act 1974; this action will incur fees and costs for which you may become liable.

 

I look forward to receiving your confirmation by close of business on 8th September 2006.

 

On Saturday I got the following reply:

 

Dear ***********

 

Thank you for your recent correspondence.

 

Your comments have been noted and, in accordance with our internal complaints procedure, this matter has now been referred to our legal team for final review.

 

Yours, etc

 

Sounds to me like a stalling letter prior to a final sod off letter.

 

What do others think?

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Quote:

Originally Posted by Enough's Enough

Has there been a template made to this effect yet???? As I think there'll he a mass of them sent out if there were....

 

I've looked but cant find one on the template section....I appologise if I've missed it....

 

 

There isn't one. Would you like to create one? :grin:

 

LOL...Now let me see.....Umm....Ok....Ummm....

 

I'll start with Blah Blah Blah Then add A bit of this'n'that law ending it with a Yours Truly....How does that sound???

 

Can we get a mod to sticky it for everyone to use!!!!! May I just say NO PROBLEM AT ALL in advance for my helpful template :wink:

 

On a serious note....& As Im not the greatest on the Law etc...But would it be a good idea or any use for someone who knows what their doing to make a standard template on this????

 

Just an Idea.....

AS I SAID.....

"ENOUGH'S ENOUGH".....

I THINK IT'S ABOUT TIME I FOUGHT BACK.....

DON'T YOU....

:D

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi

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LOL...Now let me see.....Umm....Ok....Ummm....

 

I'll start with Blah Blah Blah Then add A bit of this'n'that law ending it with a Yours Truly....How does that sound???

 

Can we get a mod to sticky it for everyone to use!!!!! May I just say NO PROBLEM AT ALL in advance for my helpful template :wink:

 

On a serious note....& As Im not the greatest on the Law etc...But would it be a good idea or any use for someone who knows what their doing to make a standard template on this????

 

Just an Idea.....

 

Okay... I'll post one I've used earlier.

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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Guest Alison82

I have a question that occoured to me over the weekend re third parties.

 

When you apply for new credit they ask you for your permission to conduct a credit search, on the phone, in branch and i'm sure they also do on application forms. So does this not give the CRA right to give our data?

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I just got this email back from Experian:

 

Our Ref: **********

 

11 September 2006

 

Dear *************

 

Thank you for your e-mails received on 6 September 2006 and 8 September 2006

 

I am sorry that you feel that by not answering your e-mail within 48 hours that this constitutes me ceasing to communicate with you.

 

As I was out of the office on Friday (you should have received an e-mailed acknowledgement to this effect when you sent your follow up e-mail on 8 September) I was unable to immediately reply to your latest correspondence.

 

Furthermore, you may wish to note that legally we have 28 days to respond to the correspondence that we receive and although we always respond well within this timeframe, we cannot always answer as quickly as requested.

 

Returning to the issues of automated decision making, I note that you do not accept that Experian does not make decisions about that data that we hold.

 

I can confirm that we do provide consumers with an option to obtain a credit score via our online services. This service is simply a guide to consumers to show them how a lender may score a credit report and this is made clear to anybody who requests a scored assessment of their report from us.

 

The credit score given to consumers that request this is based upon a scoring criteria that we have devised. This credit score is not given to any lenders who conduct searches on the individual concerned and therefore cannot formulate the basis upon which a lender makes a decision.

 

Companies that make scored assessments on individuals for the purpose of a lending decision will have their own specific scoring system, which will be developed around the criteria that are most important to them. This may also take into consideration things such as the applicant's annual income and value of their property - information that is not available to Experian.

 

Therefore, any lender using a scoring system to assess applicants will be choosing their own method of scoring the data that we hold and the score required for an application to be accepted. Consequently, it is evident that it is the company to whom an individual applies that is making an automated decision and not Experian.

 

In view of this, we will continue to process your data and will not be adhering to your request under Section 12 of the Data Protection Act 1998.

 

I strongly recommend that before presenting this matter in Court that you seek clarification of our position with our regulator, the Information Commissioner, or with a recognised legal representative.

 

As you seem well aware of what a judge may consider to be a waste of court time, I am sure that you can appreciate that taking a matter to court without firstly seeking recognised legal advise to verify the strength of your case could well be construed as such. This would be particularly wise given that the recognised regulatory body has endorsed our viewpoint.

 

Kind regards

 

Mr Paul Lever

 

Consumer Compliance Executive

 

Directors' Office

 

Any comments from anyone?

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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they certainly don't want you to take it to court thats a fact

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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please forgive me if this point has been raised before.

But as I understand it the cra's say that ther only store data that is in the public domain and they do not add anything themselves. On my credit report there are entries of every other seatch done by other companies.I do not think this information is in the public domain nor do i recall giving the cra permision to record it.

peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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please forgive me if this point has been raised before.

But as I understand it the cra's say that ther only store data that is in the public domain and they do not add anything themselves. On my credit report there are entries of every other seatch done by other companies.I do not think this information is in the public domain nor do i recall giving the cra permision to record it.

peter

 

I am not prepared to have my advice and comments edited abritrarily by someone with a personal anti-SB issue, so I have removed my original response in full. Either my advice is left intact, or I will remove it completely.

Thank you for your understanding.

SurlyBonds

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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Eh...???

 

Can we not have infighting on here please. It's hard enough trying to fight the banks and CRA's without us trying to shoot each other down.

 

I have no idea what this tiff is about but please take it elsewhere, not on my thread. Thank you.

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Eh...???

 

Can we not have infighting on here please. It's hard enough trying to fight the banks and CRA's without us trying to shoot each other down.

 

I have no idea what this tiff is about but please take it elsewhere, not on my thread. Thank you.

 

4x4... I totally agree... I likewise thought that we were supposed to be fighting the common denominator. Maybe there's just not enough to do around here. I dunno... doesn't make sense... well it does, if you know the full background story.

 

Anyway, how's your case with the Muppet CRAs coming along? Any replies from them yet?

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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Getting nowhere fast SB. See post 180 on previous page of this thread for latest reply from Experian. They completely "forgot" to comment on my withdrawl of my permission for them to hold my private data so I've asked them again :wink:

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Equifax, since writing back to me stating that they "must" allow lenders to see my file and the "cannot prevent" them have not replied to either of my follow up letters.

 

Callcredit have apparently placed my complaint with their legal team for comment???

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I am not prepared to have my advice and comments edited abritrarily by someone with a personal anti-SB issue, so I have removed my original response in full. Either my advice is left intact, or I will remove it completely.

Thank you for your understanding.

SurlyBonds

:confused:

 

hi surlybonds i look forward to your responses great reads thankyou but my brain is racing here at the moment thinking there is a conspiracy to what ever you typed there before that nobody wants us to see (a bit like the who killed kennedy thing).:eek:

 

keep up the good work RESPECT!8-)

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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Getting nowhere fast SB. See post 180 on previous page of this thread for latest reply from Experian. They completely "forgot" to comment on my withdrawl of my permission for them to hold my private data so I've asked them again :wink:

 

Pete

 

yes, these Muppet CRAs do tend to try avoiding the actual questions that you ask... a bit like some of their representatives, either by letter or other mediums... allegedly...

 

I'll go back and have a read... that's assuming I can still find it there?! I've seen more posting disappear tonight than "new chequebooks and credit cards delivery day" at Kings Cross Sorting Office (Source: Panorama, sometime last year)

Allegedly...;-)

 

Now that was post #180... so that will be between #179 and #181 then,... going back in time now.(cue TARDIS and Dr Who theme tune)

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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:confused:

 

hi surlybonds i look forward to your responses great reads thankyou but my brain is racing here at the moment thinking there is a conspiracy to what ever you typed there before that nobody wants us to see (a bit like the who killed kennedy thing).:eek:

 

keep up the good work RESPECT!8-)

 

No, there is no grassy-knoll, and it was just a single man with a bolt-action in a book warehouse....allegedly...

 

I think my more recent posting about our 'friend' from E******n upset someone...allegedly... (although curiously, my earlier, equally scorning one, replied-to by the very dave himself, wasn't considered in a similar light and remains intact???)... and then it all kicked off, and some of the greenies are now doing more lock-downs on my posts than the warders during a full-out riot at Alcatraz...allegedly...

 

And, by the way, that second bullet DID go through 170 degrees before turning back in mid-air and then hitting Gov. Connelly after taking out JFK...and don't you let them tell you otherwise...just like the banks say that charges are fair, and all the Muppets in the CRAs keep trying to tell us that they have a "legal right"...

 

...allegedly...;-)

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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:lol: :lol: :lol:

 

Okay... I'll post one I've used earlier.

 

whatever happened to that template letter anyway.

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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:lol: :lol: :lol:

 

 

 

whatever happened to that template letter anyway.

 

 

Whatever happened to what template letter??:confused:

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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Okay... I'll post one I've used earlier.

post 178

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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I am not prepared to have my advice and comments edited abritrarily by someone with a personal anti-SB issue, so I have removed my original response in full. Either my advice is left intact, or I will remove it completely.

Thank you for your understanding.

SurlyBonds

I think i am missing something here i do not understand this response.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Perhaps if I rephrase the question

 

If the CCA,s have the right to access credit information about a persons fiscal activity on a particular account due to the fact the customer signed an authority on their contract, OK

If the CCAs have a right to disclose that activity because they were given consent when the aplication for credit or whatever was appied for.OK

 

But who gave them consent to disclose to a third party which organisations have had access to that data file?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Guest Alison82

This is what I was asking on the last page, when you apply for credit do you not give your consent for them to perform a credit search?!

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This is what I was asking on the last page, when you apply for credit do you not give your consent for them to perform a credit search?!

 

Exactly and if it does,doesen't that consent expire when the contract is not taken up,and shouldn't the record of that enquiry then be deleted.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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After more prevarication from Equifax and Experian I have sent the following email to both of them (obviously with different addresses and company names :)) :

 

Experian Ltd

PO BOX 7710

Nottingham

NG80 7WE

 

14th September 2006

 

DATA SUBJECT NOTICE SERVED UNDER:

The Data Protection Act 1998, Section 10 (1)

And

STATUTORY NOTICE SERVED UNDER:

The Consumer Credit Act 1974 Section 174

 

Dear Sir

 

I hereby withdraw my permission and refuse to grant any future permissions for Experian Ltd or any subsidiary company of Experian Ltd to store or process any data relating or pertaining to me on the grounds that your continuing to hold or process such data will cause me and others unwarranted damage and distress.

 

You have seven days to comply with the request under Section 174 of the Consumer Credit Act 1974.

 

In accordance with the Data Protection Act 1998 S. 10(1) I require Experian Ltd or any subsidiary company of Experian Ltd to cease, or not to begin, processing any personal data of which I am the subject. The only exceptions allowed are for data that is legally in the public domain; examples are details of bankruptcy, IVA’s and CCJ’s i.e. sealed orders issued by a Judge in a court of law. You have no legal right to hold or process any other data without my express permission; to do so is a criminal offence.

 

Under the terms of the Data Protection Act you must within 21 days provide me with a written notice:

 

(a) stating that Experian Ltd has complied or intends to comply with the data subject notice, or

 

(b) stating your reasons for regarding the data subject notice as to any extent unjustified and the extent (if any) to which Experian will comply with or intend to comply with it.

 

I look forward therefore to receiving your written notice at the latest by close of business on the 6th October 2006.

 

Yours,

 

Any thoughts or comments?

 

Pete

  • Confused 1

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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