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    • "Dear HR, I refer to my correspondence of *date* in which I challenged xxx, copy attached. Clearly this was a grievance, and yet does not seem to have been heard under the grievance procedure. I am exceptionally dismayed that this 'review'. which never took place, seems to be being used as a criteria in redundancy selection proceedings. As this is time critical, please advise asap."            
    • Just to update, received a revised offer of £75 from P2G after they got my LOC last Friday. They stated that because it was not insured this would be their final offer. Looks like we are going to court.
    • and speaking of cover-ups .. from the environment agency with collusion/negligence  from the ICO   Environment Agency chief admits regulator buries freedom of information requests Speaking at the UK River Summit, Philip Duffy said officials do not want to reveal the true ‘embarrassing’ environmental picture ICO - waffle Environment Agency chief admits regulator buries freedom of information requests | Environment Agency | The Guardian WWW.THEGUARDIAN.COM Speaking at the UK River Summit, Philip Duffy said officials do not want to reveal the true ‘embarrassing’ environmental picture   Environment Agency ‘hiding’ report into Lancashire landfill making locals ill Exclusive The agency has refused to share details of how a landfill operator is breaching its permit because it could 'potentially cause unnecessary concern'    Environment Agency ‘hiding’ report into Lancashire landfill making locals ill INEWS.CO.UK The agency has refused to share details of how a landfill operator is breaching its permit because it could 'potentially cause unnecessary...  
    • As Dan Neidle pointed out on Twitter/X, pensioners used to have a higher personal allowance before they paid tax, but this government removed it a few years ago.
    • or this showing how rogue state the poops are making the UK https://www.theguardian.com/world/article/2024/may/28/rwanda-uk-diplomat-interpol-target-regime-opponents and Sunaks pension plan 'benefit: Retirees relying on the full new state pension as their sole income could end up saving just £14.60 per year – or 28p a week – in tax payments by 2028 through the Conservative Party’s triple lock plus policy, according to calculations for i. Triple lock plus would only save many OAPs £14.60 a year by 2028, analysis shows INEWS.CO.UK Rishi Sunak outlined plans to increase the tax-free allowance for pensioners in line with the existing 'triple lock' to ensure it rises each year  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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      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.

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      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.
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      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

Making a SAR request


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Hi - I want to make a SAR request for all my bank statements....(should make depressing reading!)

 

Could anyone kindly point me in the direction of a Cag template for such a request please, as I can only find templates for PPI claims etc.

 

Thankyou.

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http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

I think this will be the letter you require.

 

But you will find others in the CAG library, which is linked at the top of each screen in green :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Probably the best way.. you will need to add anything else you might require..

 

Below is a copy of the letter I used.. amend where necessary

 

xx

 

FULL Data Subject Access Request

S7 Data Protection Act 1998

 

 

I am writing to request that you forward me a copy of all data held by your organisation about me in respect of the above referenced account. This should include, but not be limited to, all transaction lists, agreements, insurances, notes made on my account and copies of letters relating to my account.

 

This request should include any data held for more than 6 years as under the Data Protection Act there is no time limit for information requested. If you do not hold data for a period longer than 6 years I also request confirmation of this in writing along with your methods used for disposal of such information to comply with the Data Protection Act stating the name and contact information of your registered Data Controller and Code Compliance Officer.

 

I look forward to your response within 40 days, as you areobliged to reply within this time under the Data Protection Act.

 

I enclose the statutory maximum fee of £10.

 

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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