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    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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help please im desperate


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SO WE HAVE AN AMOUNT OF CREDIT OF £10,420

INSURANCE £3,232.75

TOTAL £13,652.75

ILL NOW ADD THE £940.42 FROM THE PREVIOUSE AGREEMENT

 

TOTAL £14,593.17

 

 

 

 

CREDIT FOR GOODS

£10,420 OVER 48 MONTHS WITH AN APR OF 10%, THAT WORKS OUT AT

 

MONTHLY PAYMENT £262.13

interestlink3.gif £2,162.07

TOTAL PAYABLE £12,582.07

 

NOW INSURANCE

 

PPI £2382.75

MECHANICAL BREAKDOWN £500

SHORTFALL EXTRA (GAP) £350 TOTAL INSURANCE £3232.75

 

that works out at 10 % over 48 months at

 

MONTHLY PAYMENT £81.32

INTEREST £670.77

TOTAL PAYABLE £3903.52

 

I NOW NEED TO ADD IN THE £940.42 OVER 48 MONTHS @10%

MONTHLY REPAYMENT £23.66

INTEREST £195.13

TOTAL PAYABLE £1,135.55

 

SO AMOUNT OF CREDIT FOR GOODS £10,420

INTEREST ON GOODS £2,162.07

NOW ADD £940.42

INTEREST ON THAT £195.13

INSURANCE TOTAL £3,232.75

INTEREST ON INSURANCE £670.77

REFINANCE FEE £ 195.74

 

GRAND TOTAL REPAYABLE £17,816.88

DEVIDE BY 48 GIVES A MONTHLY FIGURE OF £371.18

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Game Over

 

Boy Do I Need Glasses

 

You Have Been Prejudiced On The Voluntry Termination Figure

 

Amount Of Credit Miss-stated

 

Amount Of Interst Has Been Miss-stated

 

They Do This So They Screw More Dosh Out Of You

 

Agreement Is Crap, Bovine Excrament

 

You Realy Need To Send That Sar To See If They Do Have The New Agreement

 

If Not

 

No More Payments To Welcome And You Get To Keep The Car

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Well Ive Yet To See A Compliant Welcome Agreement

 

Correction

 

Ive Seen One Valid Agreement

 

well when i receive the info back i will put it onto here if it exists!!!

 

thanx so much post for all your time i really appreciate it

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just found the green form from the rewrite all it states is amount to be financed £13568 interest £0.00

i never realised before but they state its 0% and just taken the amount to be financed from god knows where

it does say that no insurances are valid as rewritten because of finacial difficulties

trying to get scanner to work at the mo so i can put it up for you to see

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  • 3 weeks later...

received my sar today makes very interesting reading on my new rewrite from dec 2007 it reads as follows

amount of credit £12446

no insurances

apr 2.6%

flat rate 1%

no of payments 84

acceptance fee £195

 

monthly payments

credit £158.54

acceptance fee £2.48

total £161.02

 

can someone please check this and make sure its correct as i didnt think they could add interest to the acceptance fee

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mind you must be a record for wcf to get a sar back within 15 days start to finish

 

LOL my first one came back quickly but was incomplete second one i didnt request was actioned by compliance and printed same day and alot more included!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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havent looked through it all yet found the front sheet for my 1st loan and it states in black and white comission £100 under the amount of my loan

i've never seen so much crap paperwork in my entire life and i work for an accountants officve!!!!!

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havent looked through it all yet found the front sheet for my 1st loan and it states in black and white comission £100 under the amount of my loan

i've never seen so much crap paperwork in my entire life and i work for an accountants officve!!!!!

 

 

:rolleyes: commission again what a shocker :mad:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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