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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
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Subject Access Request


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Hi i wrote to my DCA asking for my subject access request with the correct fee of £10.00

They wrote back and confird that they would send it, i then got a letter saying it had been sent to me but returned to DCA as i was not at home could i contact them and make other arrangments, i was in no rush and forgot about it for somtime. About 2 months later i had a call from an old naighbour in another town saying he had a letter from the new tennants in my old house! he told me it was my Subject access request? he kindly posted it to my address.

I found that they had only gave data from 2007 but data started 2005


Has the DCA breached the data protection act?:confused:

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I wrote to my DCA with the correct fee requesting my subject access request, they wrote back and said they would send it soon, I then got a letter saying that they had sent the SAR by courier but i was not home and could i contact them to make other arrangements.


I didn't contact them as i had other problems to deal with at the time! about two months later i received a phone call from an old Friend he said that the people living in my old address in another town had my SAR? he kindly posted this to me. I took a loan out in 2005 but the SAR only started from 2007


Is the DCA in breach of the Data protection act ? :confused:

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I should think that they are only in breach of the Data Protection Act if your SAR was actually openend and read by the people at your old address. If it wasn't, then nobody has seen your personal information. Sending it to the wrong address, especially if they do have your correct address, might have caused problems with regard to time scales especially if there was something like a court case involved but it isn't in itself a breach of the data protection act.

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It was opened and read by the occupiers who told my friend about the SAR!.. have looked at DPA and cant find anything that said they have acted irresponsible, did they forget the other 2yrs Data?


Thank you for reply Mrs E blackadder

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A SAR entitles you to all personal information. There is no prescribed time limit however a lot of organisations will claim they only hold data going back 6 years.

If you took the loan out in 2005 they should still have the data. Write back to them and tell them they have not suppied all the requested info giving them a further 14 days to respond.



Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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You can make an official complaint to the Information Commissioner. I find it strange that the SAR was sent to a previous address if the DCA had made contact with you at your new address. Evidently they had the updated information. I am assuming that when you sent the SAR you also put the correct address for the information to be sent to you.


In respect of the missing data, you can either write and ask for them to provide it as they havent fulfilled their obligations or you could include that in your complaint to the Information commissioner.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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Hi CitizenB

The SAR had the correct address and the DCA wrote back to me at the new address, i am calling the information commissioner today! I have a up and coming court Case with the DCA and was trying to find what part of the DPA they broke? they have made some unbelievable mistakes this is just one of them but it is better to have everything in place before i go to court.

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  • 3 months later...

Hi, all

Just received my subject accesses request from my data controller! all looking good, problem is my computer crashed and all the correspondence to them was lost. Can i write to them and ask for a true copy of my letters i sent them :?:

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Hi Stress


That shouldn't be a problem. Thats data they hold on you. Don't tell them it's because of loss of data on you PC. Just say

you haven't received that data.

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Heres a chase letter:-


Dear Sir/Madam


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


1) xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx


2) xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx


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.


The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.


Yours sincerely,

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