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    • Doesn't help that there are different plans in the devolved assemblies. under muppet Drakeford, I can go out to work in an English hot spot, but not visit a relative in the next county, under Drakefords Fire Break, the shopping list is depleted, kettle breaks, can't buy a new one, need a book to read? Non essential iss verboten, stationary as in pens pencils paper, Non Essential, veroboten can't even buy stationary for office or home office use, Office or home workers computer broke, tough Non Essential, printer ink, Non Essential, babies bottles and bedding Non Essential.   He is allegedly going to try to ban online sales, and downloads.
    • Ok thanks I'll do both these things.    Yep there's an opportunity to access the lists of prohibited and non compensated items.    I hadn't noticed this at the time of purchase as its so small and in the corner.
    • Ignore the numbers obviously whomever wrote them doesnt have a clue!!
    • No the bank are not judge and jury!!   The private speculative invoice is not a fine and the hire companies t&  will state fines not fake parking invoices!!   Demand it is charged back.
    • Also, I think you had better ask the buyer for a reasonably detailed statement of the condition of the parcel. This would include at the beginning, details of the purchaser's name and address – and how the parcel was received, when it was received and the condition before it was opened and then what he found inside
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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.
       
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    • 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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Worried about being on databases, and very concerned who can see them.


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I am more than a little concerned about the use and sale of lists of people and their residences.

 

There are many genuine reasons why a person should want their location kept secret, such as witness protection and domestic violence.

 

Would a service/utility advisor have a list of everyones residences even those who have never been customers? Would they be allowed to give this list to anyone?

 

I am very concerned about this as these lists would be very useful to criminals and terrorists to say nothing of DCAs.

 

Also what would these lists contain? Could they be used to put undue pressure on people?

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This information is all in the public domain

any one can compile a list of companies

with addresses etc,

As they can from telephone directories electoral

registers and hundreds of other sources.

Witness protection and the like is handled

by Government agencies with considerable

expertise, the average member of the public

is in no need of such protection, many of the

complaints regarding privacy have their

roots in the simple fact people don't

read agreements and fail to opt out of

their data being shared.

The list can contain diverse information

from the brand of cigs preferred to the

supermarket you use most.

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Yes I know what you mean, but why is a company I've never dealt with keeping a database with my information and what gives them the right to sell it to a DCA? My present details are not on the likes of 192.com or the public electoral register, so how has a company I have never had dealing with got them?

 

There is a principal involved here, I've never hid my address from any of my creditors. I may have gone over the top re witness protection but you can't tell me that the police have the power to keep the details of every police officer, service person, witness, juror and domestically abused person private.

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Yes I know what you mean, but why is a company I've never dealt with keeping a database with my information and what gives them the right to sell it to a DCA? My present details are not on the likes of 192.com or the public electoral register, so how has a company I have never had dealing with got them?

 

There is a principal involved here, I've never hid my address from any of my creditors. I may have gone over the top re witness protection but you can't tell me that the police have the power to keep the details of every police officer, service person, witness, juror and domestically abused person private.

 

 

Hi Count, there was a post on here yesterday with a reply saying type john harris its an illusion into google, I did now i'm even more para.

The tpuc.org website is very interesting reading.

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The police, the services and other don't

publicise who they are in public data bases

you wont see an entry of PC Plod and the address

in the telephone book, service personnel don't display

their rank on an entry unless they are of senior rank

and retired, even so the service lists are available

for public reference, military commissions are posted

in the London Gazette, Churchills medical directory

list medical practitioners, Iam on some of these data

bases and it causes me no problems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Big Bro got bigger and more and more powerful

as the result of the grotesque nanny state invented

by Blurr and MC Broon that poked it;s nose into the

most private areas of life in England & Wales but

of course left Scotland relatively untouched by the

prying eyes of over zealous local authorities and

quangos,and the like.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Interesting debate to be had here.

 

I think the state holds a lot of information about people, probably a lot more than most people realise. But in the main they are not allowed to sell the information onto anyone and I think there are certain protocols they have to follow concerning its usage. There are rules for example about information given to one government department, being used by another department, when there is no provision for this in law. One example is that the census info cannot be used by the taxman to catch someone out. There are exceptions to this e.g DVLA, who do sell info on.

 

In regard to the credit reference agencies and commercial companies you come into contact with, they should comply strictly with the DPA. Problem is that once your data is on their systems, you have no way of knowing whether your data has ever been passed onto anyone else. If there are issues of security, I believe that there are certain documents that can be served on companies handling your data that they have to comply with. I have seen this working in financial services, where certain peoples data has been made more secure, with access only given at a higher level. Also via IT any data links are disabled. Count Orlock, if you fit into this category, you can make such a request to the compliance manager of the companies concerned. They should have processes for this.

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Well I still don't think it is right, and it certainly isn't a good way to keep or get customers.

 

"Come and buy your buy your services from us, even though we have never dealt with you before we have all your details and we routinely give them to other people." I don't think so, I only deal with people who respect my right to privacy and do not give them to all and sundry.

 

Incidentally the service providers I use do seem to abide by my opt-out.

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The protection is enthroned in the DPA 1998, and

the right to SUBJECT ACCESS REQUEST THAT CAN BE MADE

TO ANYONE COMPANY SERVICE

or what ever.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I would add that I can't find out where I live using any of the online people finders.

 

Interestingly I can find out the names of all my neighbours, but my house does not have anybody living there.

Edited by count orlok
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Hi Count, there was a post on here yesterday with a reply saying type john harris its an illusion into google, I did now i'm even more para.

The tpuc.org website is very interesting reading.

 

Interesting to see tpuc being talked about here.iv'e been a member of the forum for a very long time and iv'e heard john harris speak,facinating what he had to say.

 

I say if your not paranoid your not paying attention.

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