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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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hfo, sent photo of my house.


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barclaycard9thnov.jpghi all

just received this letter from barclaycard and when i phoned and explained they must have got £10 po because it was in the same letter they said they would only send me a SAR if their agents (HFO) ask them to. I told them they are the OC and I have a right to this information but they said no, only if HFO ask them to send it to me

 

Any help please!!!

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Hang on... so you DID send the £10 as a postal order? Then they must comply. Make this clear to them. Did you keep a copy of the PO number?

 

HFO are NOT their agents – that is an interesting comment. In regards to this account, Barclaycard is the original creditor and the account has been assigned (supposedly) to HFO. If there is a client/agent relationship going on here, then I think they should explain what they mean.

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Have they accepted that the PO has been received? Do you have the PO receipt with the number on it and you can check if it has been cashed.

 

The person on the phone is talking absolute rubbish - HFO are not their agents and anyone under the DPA can request your personal data from anyone else at any time. They are probably overwhelmed by the number of requests they are getting. Poor dears ahhh!

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yes ive got the postal order receipt, but theyre saying theyve got no record of it, only the SAR letter which theyre saying i should have sent to HFO. They will only accept a SAR from their agent (HFO) and not me, so I am right that BC should send me this information? Will resend SAR and another £10 postal order tomorrow, is that correct?? thanks

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You are right – as others have said, the SAR goes to Barclaycard. It is absolutely nothing to do with HFO, nothing at all. You must continue to push to get exact date of assignment and name of assignee from Barclaycard, as well as copies of DNs, etc.

 

You can check whether the PO has been cashed on the post office website (a google search will find it).

 

Regarding the issue of the relationship between certain companies, I started this thread a few days ago to highlight relationships like this, which, if they are on an agent/client basis AFTER an assignment, are improper:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?283075-Has-an-account-REALLY-been-assigned-when-the-OC-gets-a-kickback

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Fair enough but I would say that you did enclose PO Number xxxxxx and will be tracing the encashment of this and also that you wish to complaint in the strongest possible terms about their failure to handle this correctly and that you were informed over the phone that BC were not responsible for fulfilling this request. Inform them that you will expect the SAR information to be forwarded to you within 40 days of the receipt of your first letter and you will be reporting the matter to the Information Commissioners Office. Ask for a copy of their formal complaints procedure.

 

Pratts (IMO)

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Agreed that the ICO should be informed of their miserable attitude, but in light of the amount of paperwork and complaints they are dealing with, as well as lodging a complaint with them have a read of the following link and follow the advice on there, either way Barclays are not on this planet and there is a plethora of organisations I can think of who should investigate their lazy ways, however that can be done at a later date, first things first is to show them the error of their ways and get the info you legally requested.

http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

 

As you have already sent them the correct request with payment, there is zero need to send it again, OR any subsequent payment.

Once they have had the LBA or time extension, after all they are not outside of the 40 days yet?

Then lodge formal complaints with the OFT&TS via http://www.consumerdirect.gov.uk/contact

And the FOS http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Barclays seem to have shot themselves in the foot with this lot - I still cannot believe that these debts sat on one side without any action for three years (they claim to have bought them in late 2006/early 2007 in most cases) before being chased.

 

Surely somebody must have realised they had more chance of getting money the 'newer' their claim was, now it has been left many of these debts are statute barred due to the date of the last payments on them (not from CONTACT by letter as HFO have recently been claiming - the sad planks think that writing to last known address every few years resets the statute of limitations!).

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Yes Donkey B, received this letter today from Barclaycard with pages and pages of statements and nothing else. Another letter needed i think, can someone tell me which letter template to send and which documents should i ask for in particular.

Im still non the wiser as to if and when it was sold to HFO. Last payment i made was January 2007

 

Good news tho, ive not heard a peep from HFO yet.

 

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Try this

 

Dear Sir/Madam

 

Account:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated --.--.-- The disclosure of personal datalink3.giflink3.gif is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a Default Notice and Notice of Assignment

2) You have failed to inform me to whom the account was sold. Please note that this must include company name, company registration number, full address and telephone numbers. Also the exact date on which the account was sold.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 24 days to comply.

 

Yours faithfully,

 

-------------------

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You need to wait until the 40 days are up before requesting any information that is missing as quite often you will get further paperwork before the 40 day deadline is up. However once that 40 days has gone, you send a recorded delivery LETTER BEFORE ACTION,, enclose a copy of your original SAR, and give them a further 14 days to reply, if that is all they hold on you then you should request they confirm this. - there is an example of a LBA here for a SAR. - http://www.consumeractiongroup.co.uk/forum/showthread.php?178660 if they haven't responded after the 14 days then, you can either take them to court where if successful the judge will award you compensation or you give it to the ICO (which could take months) - more useful links here - http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/taking_a_case_to_court.pdf and these - http://www.consumeractiongroup.co.uk/forum/showthread.php?49571 - http://www.consumeractiongroup.co.uk/forum/showthread.php?200771

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Appreciate this, 42man, but the simple reminder letter does seem to be working and a number of people have used it to get at the specific information they need before going down the official route! It maybe that they are intending to send more docs but this is a way of keeping at them

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Spoke too soon .... here is a copy of todays letter received from HFO. Also sent me another copy of my e-consumerview credit report, a copy of pre-approved application loan and a copy of the email BC sent to them (which must be the letter of assignment of debt mentioned in point 1 of todays letter) copy of this email is post 162 on here.

Urgent advice please as theyre saying its going to their litigation department on 29th November.

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They sent you an application form didn't they? May be time for a CPR request if they are threatening legal action. Also did you make a complaint to Experian and OFT about the use of your data in this way?

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