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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
    • Hi So on Friday I received a copy on email from the claimants solicitors with an attached relief from sanctions application - on the basis that the solicitor missed the deadline for the additional directions and it was an oversight on their part and that the claimant should therefore not suffer.   They then attached a copy of the deed of assignment and a new witness statement.  They stated that they would be happy to delay the court date by 28 days but that they believed both parties were ready for the court case on 7th June. My first question, is there anything I need to do or do I just sit and wait to see what is decided?  Secondly, is it likely the judge will be aware that the claimants solicitors did exactly the same in the set aside court case (ie they filed their court bundle late and applied for relief from sanctions on the morning of the court date, and my solicitors had no choice but to agree because they threatened to strike my case out because my solicitors had only filed their court bundle by email and not post).  This is a clear pattern of how these solicitors work rather than it being a one off oversight! 
    • I shall find the link later this evening. It was about couples not living together but being liable for council tax. I was never married or in an official civil partnership. We lived together for 18 months, I then left for 6 months for work but continued to pay my half of the bills and rent.   We then split up I gave up my tenancy she took it all in her name. She then decided to move in with me 5 months later. She then banned me from going back to my house eventually let me back in then called the police. Took over my house and is now only paying the rent not the bills so I will be landed with those to. So over the course of our relationship I have ended up paying her debts for 5 different addresses, personal loans and credit cards. If I refuse to pay them she makes more accusations.
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Debt collectors can view bank transactions??


discod
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Guest Cartaphilus

Just wondering but where you heard about this practice? Wouldn't that be slightly dodgy them doing that eg an offense?

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  • 5 weeks later...
Hi discod

 

That is out of order, I think you should report the matter to the ICO. DCA are only given basic details. http://www.ico.gov.uk/complaints.aspx

Have heard back from ICO and they have said there is nothing they can do but I should report them to the FO and see what they say.....nothing from the bank as yet

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The FSO will more than likely say that as you are claiming a breach of the DPA, it is outside their powers and you must report it to the ICO. The FSO spend more time looking for reasons not to investigate than then they do actually investigating. It is up to either a court or the ICO to decide if the DPA has been breached so the FSO will be correct.

 

The FSO are useless at the best of times, but when they have half a reason to duck the issue, you can bet they will.

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Thats' outrageous - nothing they can do, IMHO you should go public or at least get your MP involved, I know, there as much use as, well, you get my drift:mad2:

 

think i sent it to the office of fair trading im now sending it again to the IRC in Cheshire x

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  • 2 weeks later...

Ok had a reply from the bank this morning.....

My understanding of your complaint is that you feel that Santander breached the D.P.A by referring your account and personal information to Moorcroft. You had previously requested that information was provided by way of statements and copy agreement for the account (which never turned up!!) before you would begin repayments of the debt owed and this information was forwarded to you via Moorcroft.

Whilst I fully acknowledge that which you have been advised about the matter I am unable to concur that there has been a breach of code of conduct in this instance.When your account was opened you were asked to sign an application form which included a Data Protection Statement that advised we reserved the right to refer relevant personal and account details to external agents if required. In signing this form you agreed not only to adhere to the T & C of the account but to allow such a transfer of information to external agents who work on out behalf.

At the time you requested the information the account was already defaulted and closed.Once such action has been taken the account is referred to an external agent to be administered on our behalf. If the agent receives notification that specific information is required by the customer we will provide them to forward to the customer.

 

Just goes on to say no breach of codes of conduct were broken and is therefore unable to uphold my complaint.

Is that it are they right?? can I do anymore ?? any advice is appreciated thanks

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Discod

 

Sorry but Santander are probably correct in their reply. The t&c's of the account would have allowed them to pass details to Moorcroft.

 

I can understand your annoyance of Moorcroft having seen details of the transactions and if you wan't to take this further, you will have to examine with the ICO and others whether you have a right to privacy in regard to transaction details. Did the forwarding of statements showing transactions breach your right to privacy? Was the sending of these statements in this way not in line with the spirit of the t&c's you signed up to ? It is up to you to make the argument.

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The Eight Data Protection Act Principles

 

The act contains eight “Data Protection Principles”. These specify that personal data must be:

 

1. Processed fairly and lawfully.

2. Obtained for specified and lawful purposes.

3. Adequate, relevant and not excessive.

4. Accurate and up to date.

5. Not kept any longer than necessary.

6. Processed in accordance with the “data subject’s” (the individual’s) rights.

7. Securely kept.

8. Not transferred to any other country without adequate protection in situ.

 

http://www.yourrights.org.uk/yourrights/privacy/data-protection/overview-of-data-protection-principles.shtml

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Ok so can I ask to see this agreement?? the one I apparantly signed saying all my details can be passed to a DCA?

 

Yes, just ask Santander for the account sign up paperwork, which enabled them to process data under the Data Protection act and to pass on account information to third parties.

We could do with some help from you.

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cca them £1 blank po

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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heya no didnt send any money or ask for statements or anything we asked for a breakdown of the transactions and we got 12 sheets of direct debit payments,transactions etc.Whats a SARN and should I send for one thanks x

 

Its this, see link below:-

 

http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for

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I don't think you have much of a complaint against Santander. You would have done if your original request was a SARN and they had passed the response through a third party. Given that you've had the info you've requested, I think you probably don't need to send them a SARN but it might turn up something else I suppose.

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I don't think you have much of a complaint against Santander. You would have done if your original request was a SARN and they had passed the response through a third party. Given that you've had the info you've requested, I think you probably don't need to send them a SARN but it might turn up something else I suppose.

 

Yes like proof I signed saying I gave them permission to pass on personnal details to a third party?! If people dont know about SARN'S it shouldnt make a difference and i will fight this all the way unless the proff does indeed turn up,also 400 quid is made up with charges

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then if it ever went to court the charges issue will certainly be a counter claim.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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