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    • Hi   My son lives with me and he is on the electoral roll. My ex moved out 2 years ago and I doubt if she is still on the roll.  The account is in my name only and the other email addresses have never been supplied to Octopus. The account is in my name only and I cannot see how they got the other email addresses.  I would prefer to keep any correspondence with Octopus in writing so that there is a clear record of any discussion, but if I reply to the mail, do I just pose these questions and ask where they got the info (have they hacked me) and why have they copied in other people who are not on the account or is there a set form I need to use?
    • Hi welcome to CAG, just a couple of questions so the Team can get a bit more background and explore options with you.   Are those other people  copied on the Register of Electors at and are living at your address?   Is the bill solely in your name only?   Bit naughty if they have involved third parties, and that would be breach of GDPR, same as if a bailiff knocked and gave full details of a third party debt to you.   Might be worth contacting the ICO and asking them, I would ask Octopus what they are doing, if by phone record the call.  You could tell them that you consider it a GDPR breach and you will be reporting them. to ICO.
    • Ok, just cancel the DD mandate via your bank.   The gym or their admin Co will complain and tell you you owe increasing amounts of money but come here first before making any response.   There are no consequences you should worry about. Empty threats !!   Read other threads here about Harlands and their methods pre-lockdown.  
    • Who would I address the letter to?   The website says "Canalside Motors' as does the invoice. I have just checked and there is a Limited Company operating from the premises called 'Perry Barr Motors'. I do not have the individuals name.   I've seen this on those bailiff shows where they will try and wiggle their way out of paying by using different operating names.   Thanks. 
    • Good morning, I hope someone can give me a little bit of advice on an issue please? I have received an email from Octopus Energy advising that I have a debt and that it has been referred to Churchill Recovery Solutions.  Fair enough, I am in arrears.  However, there are issues about the email that concern me. They have copied my ex-wife into the email and also sent a copy to my son. My son's email address does not appear on the other recipients so I can only assume that he has been copied in under Bcc. So the concern here is, where did they get these email addresses from? I never supplied them so have I been hacked? Secondly, have they breached GDPR laws by copying other people not named on the account into sensitive and confidential information? The claimed balance outstanding was clearly displayed on the email.   I am a little unsure of what steps to take here and would appreciate any advice/opinions please.   Many thanks in advance.
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mechs' wife

Friend's husband's account

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Hiya guys,

 

I am not familiar with Lloyds TSB and therefore I am stuck. I'm helping out a friend's husband who does not have a computer.

 

I know my friend's husband can not claim for 'overdraft usage fee' or 'overdraft interest' but what about the 'account charge' as he has been charged for quite a few of these.

 

I would appreciate some advice on this one please?

 

Appreciation, mechs' wife


Go on ... you know you want to click me

:lol:don't be like the banks - give a little back :lol:

:) There was a time before CAG but now CAG is here we are the empowered! :)

Advice & opinions of mechs' wife are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Au contrairé, madame! :D

 

(Hi, btw - say hello to the hubby for me!)

 

You can claim for the Overdraft Usage Fee - it's just another term for 'Overdraft Excess Fee', and is a penalty for going into/over an overdraft.

 

You can't claim the 'account charge', however, as it's a valid service charge for Lloyds to run your account.


reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Au contrairé, madame! :D:lol: ahh bless!

 

(Hi, btw - say hello to the hubby for me!) Noooooo he's doing some work in the kitchen and I don't want to stop the flow!!! ... but later I will ;)

 

You can claim for the Overdraft Usage Fee - it's just another term for 'Overdraft Excess Fee', and is a penalty for going into/over an overdraft. Ooooo nice! :D:

 

You can't claim the 'account charge', however, as it's a valid service charge for Lloyds to run your account.

 

Thank you reload! Now I can get on and sort his statement out! Appreciation indeed m'dear!

 

Linda :)


Go on ... you know you want to click me

:lol:don't be like the banks - give a little back :lol:

:) There was a time before CAG but now CAG is here we are the empowered! :)

Advice & opinions of mechs' wife are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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