Jump to content


  • Tweets

  • Posts

    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Taking on GE Capital Bank Ltd


wicket
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5892 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Following on from my original thread -

http://www.consumeractiongroup.co.uk/forum/legalities/29451-default-removal-debt-not.html

 

I've issued the suggested letter in removing my default for this debt which has been fully paid. This was noted as delivered on 12 Sept 2006.

 

The letter asks for an acknowledgment within 5 days - and presumably they must comply or challenge within 21 days.

 

Probably a daft question - what do I do if they don't acknowledge? Presumably this bit is not as important and so should just sit back and wait - at least till 21 days are up before doing anything further.

 

It's strange but once you issue these letters - your hoping for an immediate response even though you realsitically know they'll take their time!

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

  • 3 weeks later...

Ok folks.

 

Rather unsurprisingly I've not heard a sausage from GE Capital. 21 days are up on Tuesday and so it's now time for an LBA. Drafted out this one - any suggestions?

 

Re: Formal notice to desist from processing or disclosing personal subject data

I wrote to you on the 8 September 2006 with a formal notice to stop processing my data with immediate effect and stop sharing my data with the credit reference agencies. The letter was received and signed for on 12 September 2006

I asked for an acknowledgement of my letter and asked for you to respond fully to my notice within 21 days.

To date you have not responded in any way or had the courtesy to acknowledge my letter.

I have checked my credit file with Experian today and note the last update was on the 3rd September 2006, simply showing the default as satisfied.

Please note. Unless I receive a satisfactory response to my letter within 14 days of this letter I will, without further notice, take the matter to court requesting enforcement action to comply with the notice in your possession.

To avoid such action please:

  1. cease to continue storing, processing or communicating my data;
  2. remove all such data from automated process systems, as per the provisions of Part II, Section 12 (1) of the Data Protection Act, namely:

(1) An individual is entitled at any time, by notice in writing to any data controller, to require the data controller to ensure that no decision taken by or on behalf of the data controller which significantly affects that individual is based solely on the processing by automatic means of personal data in respect of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct.

Of particular note is the Acts own term "his creditworthiness";

3) cease to disclose any data to any third party including, but not restricted to, Equifax plc, Experian Ltd and Callcredit plc; and

4) instruct Equifax plc, Experian Ltd and Callcredit plc to remove all data pertaining to your records on me, to the extent that no data entry in relation to GE Capital Bank Bank plc will exist on my credit files.

To clarify the reasons for my request, as detailed in my earlier letter.

  1. The continued processing of my data, including sharing of information is causing me substantial distress and hardship
  2. You have failed to supply me with a true copy of any default notice
  3. You have failed to supply a copy of the credit agreement in which I gave you permission to process my data beyond the life of the contract
  4. As the account is closed and the contract between us terminated you no longer have my consent to process my data in any way, including the sharing of data with third parties including credit reference agencies

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

Also, Where can I find an online version of the CCA 1974?

 

I find lots of references to it from a google but not an online readable version - presumably as it's old.:???:

 

Thanks

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

Brilliant - thanks pford.

 

Now for some light reading!

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

  • 2 weeks later...

finally had a reply today and surprise surprise...got nowhere. briefly here are the main points of their reply

required to retain on our system to comply with regulatory and legal requirements

also report details of all accounts opened with us to credit agencies

condition of opening account that details are shared with the agencies

settled account registered for 6 years until cra deletes it automatically these practices are standard industry procedure abd consistent with the advice of our regulators

so i think a fairly standard response with no substance.

time to respond, they have not demonstrated anywhere they are legally correct in what they do for a closed account

any ideas for a response gratefully recieved...

oh, and they've coneniently ignored the s10/s12 notice

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

Ok,

 

Here's a draft of letter I'm about to send - all comments appreciated please:

 

Thank you for your letter 12 October 2006. Your delays are inexcusable, especially as I have had no response to my original letter of 8 September 2006.

 

I am disappointed with your response. Your letter contains a number of errors of fact which I address below. In addition you should consider this letter as formal notice that unless I receive a satisfactory response from you within the next fourteen days I shall begin court proceedings against you that shall contain a claim for damages as appropriate. I wish for you to reconsider your decision to avoid such court action

 

You state “As a responsible finance company we also report details of all accounts opened with us to three credit agencies” You go on to say “It is a condition of opening one of our accounts that details are shared with the agencies. A settled account will be registered for a period of six years until the reference agencies delete it automatically.

 

I agree consent was given via the contract in connection with this account. However the account has been closed and the contract between us has ended. ALL conditions attached to that contract also end at that time.

 

At no point did I consent to the processing of my data beyond the life of the contract. If you insist that is the case please immediately forward a signed copy of the agreement in which you allege I gave my consent.

 

You state “These practices are standard industry procedure and consistent with the advise of our regulators”

 

Will you please indicate in which legislation you can lawfully continue to process my data without my permission. I hope you will agree that “standard industry procedure” is not the same as ‘lawful’. For you to continue to process my data in this way you must demonstrate your legal entitlement to do so in perpetuity. To date you have not done this. I contend you have no legal right to continue to process my data and you are in breach of the data protection act – in particular the sharing of my data with credit reference agencies.

 

For clarity: Section 1(1) and paragraph 5 of Schedule 8 Data Protection Act 1998 defines Processing of Data as meaning obtaining, recording or holding the information or data or carrying out any operation or set of operations on the information or data, including-

(a) organisation, adaptation or alteration of the information or data,

(b) retrieval, consultation or use of the information or data,

© disclosure of the information or data by transmission, dissemination or otherwise making available, or

(d) alignment, combination, blocking, erasure or destruction of the information or data

 

 

Maintaining a default notice on my credit file comes within the definition of Data Processing as defined in the act in that you are ‘Holding’ such data and under part c) ’Making Available’

 

The credit reference agencies hold only the information YOU supply them. I demand you instruct Experian, Equifax and Callcredit to remove this data with immediate effect

 

Of particular concern is your continued failure to address the notice under S10 and S12 of the data protection act 1998. You have also failed to supply me with a true signed copy of the alleged default notice.

 

To avoid court action I request you:

 

1. Cease processing my data with immediate effect

2. Request the three credit reference agenciesEquifax, Experian, Callcredit to remove immediately the data relating to this account currently being supplied by you.

3. You comply with the legislation of the Data Protection Act 1998 and the Consumer Credit Act 1974

 

Unless I receive a satisfactory response within 14 days I will proceed with court action.

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

They really don't care how you 'feel'

 

this is a game of chess - al that matters are your actual 'moves' not what you think as you make your moves.

 

(sorry - had a bit to drink this evening!)

 

I'll have a go at editing the letter as I would have sent it - but that's not to say that my way is any better than anyone elses.

 

please dont take any offence, non intended.

Link to post
Share on other sites

No problems - I'd rather send a letter that gets a response and gets the job done. Glad I asked

 

Thanks for taking the time....

 

Celebrating well tonight??

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

actually i read it again, I think the majority of it is pretty fine!

 

 

Thank you for your letter of 12 October 2006. I am disappointed in your failure to respond adequately to my letter of 8th September

Your letter contains a number of errors of fact which I address below. In addition, you should consider this letter as formal notice that unless I receive a satisfactory response from you within the next fourteen days I shall begin court proceedings against you that shall contain a claim for damages as appropriate. I wish for you to reconsider your decision to avoid such court action (I like this bit!)

 

You state “As a responsible finance company we also report details of all accounts opened with us to three credit agencies” You go on to say “It is a condition of opening one of our accounts that details are shared with the agencies. A settled account will be registered for a period of six years until the reference agencies delete it automatically.(I like this too)

 

I agree consent was given via the contract in connection with this account. However the account has been closed and the contract between us has ended. ALL conditions attached to that contract also end at that time.

 

At no point did I consent to the processing of my data beyond the life of the contract. If you insist that is the case please immediately forward a signed copy of the agreement in which you allege I gave my consent.

 

You state “These practices are standard industry procedure and consistent with the advise of our regulators”

 

Will you please indicate in which legislation you can lawfully continue to process my data without my permission. I hope you will agree that “standard industry procedure” is not the same as ‘lawful’. For you to continue to process my data in this way you must demonstrate your legal entitlement to do so in perpetuity. To date you have not done this. You have no legal right to continue to process my data and you are in breach of the data protection act – in particular the sharing of my data with credit reference agencies.

 

For clarity: Section 1(1) and paragraph 5 of Schedule 8 Data Protection Act 1998 defines Processing of Data as meaning obtaining, recording or holding the information or data or carrying out any operation or set of operations on the information or data, including-

(a) organisation, adaptation or alteration of the information or data,

(b) retrieval, consultation or use of the information or data,

© disclosure of the information or data by transmission, dissemination or otherwise making available, or

(d) alignment, combination, blocking, erasure or destruction of the information or data

 

Maintaining a default notice on my credit file comes within the definition of Data Processing as defined in the act in that you are ‘Holding’ such data and under part c) ’Making Available’

 

I require that you:

 

1. Cease processing my data with immediate effect

 

2. Instruct the three credit reference agencies – Equifax, Experian, Callcredit to immediately remove my data relating to this account

 

Unless I receive a satisfactory response within 7 days I will proceed with a court claim which will include a claim for damages as deemed appropriate by the court.

 

Regards,

Link to post
Share on other sites

No problems - I'd rather send a letter that gets a response and gets the job done. Glad I asked

 

Thanks for taking the time....

 

Celebrating well tonight??

 

I am certainly celebrating well. I can barely see never mind type.

 

Please understand that whatever you type in this letter is largely irrelevant.

 

All you need to do is something that you can show to a court later on that you gave them opportunity to sort this out without going to court - they won't but you have to show that you tried.

Link to post
Share on other sites

Thanks Dayglo, will get this off today:-D

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

These practices are standard industry procedure and consistent with the advise of our regulators”

 

Sorry- picky I know but, you want this to sound professional. Should read advice and not advise.

 

Good Luck

 

Sarah

Link to post
Share on other sites

Thanks Sarah - that's the trouble with speelcheckers - :)

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

I know when "we" (CAT memebrs) (well me anyway) are writing letters we normally get carried away but after I have had my rant I step away from the laptop for a couple of hours and then go back and reread my letters.

 

As said above the content is fine but largely irrelevent. Pointing holes in there initial response is

1 - giving them info on the arguements you will use in court and allows them to prep an answer

2- you don't really care what they think all you are doing is treading water until the next letter can be sent awaiting the timescales to show the court goodwill.

 

we really just want to get them to court as they don't have a leg to stand on.

 

My advice is to read there respons and just check you are not missing anything and then send the default proven letter.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

Hi Debt!

 

Thanks for the advice...can I just check though which letter you mean.

 

I've already sent SB's letter, had no reply and followed this up (as a few messages ago). Is there another letter in the templates etc that I've missed?:confused:

 

Quite happy to go to court however I don't think anything I've sent till now would quailfy as an LBA :?

 

Thanks

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

Hi Wicket,

 

I just use the templates from the step by step guide.

 

I just sent the standard prelim letter asking for my money back and they sent it to me!!. I only gave them 10 days not the 14 as I am tired of the waiting and it was a small amount of cash, for a large claim I would follow the tried and tested process to the letter.

 

The next letter would have been the LBA, then the Mcol.

 

Any interim letter is just feeding there delaying tactics. As always advised just stick to the tried and tested process using the tried and tested letters.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

That letter is the reclaiming bank charges etc - I'm not claiming charges back on this account - just trying to get the default removed. :?

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

oops, wrong answer in the wrong post. I will go find the links to the other letters.

 

The letters are in the default hell thread post #28 ,

 

After the time limits are up you can use the following (but with Cabot I just went for the N1 court papers as they had ignored my SAR request and my CCA and my stop processing my data letters so thought if they aint replying to that lot why bother with another LBA).

 

 

-------followup to STOP PROCESSING MY DATA------

 

to: their address

Date:

Dear Sir or Madam

On the [DATE] I wrote to you requesting certain documents under the Consumer Credit Act 1974.

Contained in my request was a notice pursuant to Section 10(1) and Section 12(1) of The Data Protection Act 1998 that you cease to process any of my data and remove all data in which I can be personally identified from your automated processes.

 

Section 10(3) and Section 12(3) of The Data Protection Act 1998 require that you respond to such a notice within 21 days, either:

 

(a)stating that you have complied or intend to comply with the data subject notice or

 

(b)stating your reasons for regarding the data subject notice as to any extent justified and the extent, (if any), to which you have complied or intend to comply.

 

Please note, the letter dated [DATE]containing this notice was deemed served on the [DATE], although in actual fact it was received by your office on the [DATE]. Consequently, the deadline for a response expired on [DATE].

 

You are now in contravention of The Data Protection Act 1998.

 

Please respond to the notice dated [DATE] within the next 10 days. Failure to respond to this notice will result in a formal complaint being made to The Information Commissioners Office and pursuit of my rights through the courts.

 

I trust I have made myself clear on this matter. Should you be in any doubt as to your obligations I recommend consultation with your legal counsel.

 

Yours Faithfully

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

:lol: :lol: :lol: :lol:

 

Thanks Debt_M, it is late in the day after all lol

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

Link to post
Share on other sites

  • 1 year later...

Good morning Wicket

 

Hope you don't me butting in on your posting, but in case you missed it the financial press reported yesterday that General Electric's shares had dropped significantly blaming, among other divisions, their financial sector.

 

GE Capital Bank is part of the mess.

 

Now the largest company in the world obviously employs, and can afford to do so, the best available analysts (soothsayers, psychics or whatever:rolleyes:) and I am firmly convinced they saw the ordure heading the way of the fan before most, and ordered their UK operations to batten down the hatches.

 

Arise, then, the Yorkshire Mafia (Cattells, CL Finance, Cohen et al) who bought a load of debt at a nice price.

 

Now imagine someone working in Leeds for one of the GE mob. What would a sensible person do? Resign, or perform their duties so badly, so rudely, so inefficiently they were fired or made redundant?

 

Step forward the employment tribunals!:)

 

I think GE should have stuck to making light bulbs.

 

Cynical? Moi?

 

Sorry for the intrusion Wicket.

 

Vandermerwe

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...