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    • Then say that then...   and raise an irresponsible lending claim against them if you think its true, but i seriously doubt any lender even one as bad as kenny's would not have carried out extensive checks.   Now if they did then your alternative is to get an sar running and get reclaiming all their unlawful fees.   Plenty of threads here on kenny's and reclaiming.   Dx    
    • What is the name of the company you are dealing with? Why haven't you told us? If the other thread you have been looking at is the thread relating to Ideal Windows then you will see that we have been advising that the customers should give notice. It sounds very similar to your problem. You should give notice. You must inform them that time is of the essence and that given all of the delays you can only now give them seven days to agree to complete the installation job within 14 days (including the seven days). I'm afraid that courts won't normally accept a peremptory cancellation – even if the delays have been excessive. I'm afraid that by communicating with them and broadly by accepting the delays to a certain extent, you have been complicit in agreeing the delay. So now you have to take control and bring it to an end to but you have to do this with notice. I suggested that the work should be completed within 14 days – but how long should the installation take? The reason for giving them notice is that even though a date may have been fixed for completion, generally speaking reasonable delays are considered to be acceptable – and the courts are well aware that the installer may have incurred costs and should be given a reasonable time to complete the contract. Once you give notice that the contract will be treated as terminated because the delays are becoming not acceptable – then you generally speaking satisfy the requirements of the court that you have treated the installer fairly.
    • HSBC’s results show estimated credit losses across its UK bank were just $160m in Q3, reflecting a huge drop from $1.5bn in Q2 View the full article
    • The only thing Is I cant get the stuff they want by then. They said they might stop my childcare which I rely on. Thats whats worrying me x That and I hate talking on the phone I really struggle with it.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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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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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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