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    • Replying to above  this was on the day that two store detectives approached me and my friend and took us into the back room and spoke to us when they explained they have been watching
    • as my learned friend above...and.. sadly because just like DCA's and initially yourself in this case, you believed they have some magical powers ...they DON'T. 85% of people blindly pay DCA's cause they know no better and think they are BAILIFFS. only the RETAILER can ever do court and none have done this on a silly member of joe public that did something stupid since the infamous 2012 Oxford case on retail loss. BAILIFFS can only ever be involved after you've been to court and lost a CCJ, fat chance re above... and anyway, no BAILIFF has any right of forced entry anyway on consumer debts even with a judgement so......... stop panicking and thinking everything that doesn't apply.. forget about them but p'haps a confidential GP visit might be a very good move... what slightly concerns me more here is:  who are 'them' that told you they'd reviewed a week of CCTV and come up with several shoplifting instances over that time amounting to the above? have you directly contacted or had contact from Sainsbury's? and know they HAVE done this? or is this DWF willy waving and they tricked you into  admitting several previous successful thefts... this is not the norm...  dx      
    • next step then await the N157 from her local court giving the time and date of a future hearing some month in the future. now she MUST file a witness statement 14 days (typically) to both the court and kearns .  so cant allow to much of a time lag before you are aware of that and get her WS done. wack us up 2 multipage pdf files please  one of what they returned for the CRP reply . and one for everything they sent back in 2022 you've found.  we do not need statements. ideally it would be nice to see their WS before hers is finally filed. dx  
    • Another interesting article in the Grauniad - Counterfeit barcode stamps furore carries echoes of Horizon scandal | Consumer affairs | The Guardian WWW.THEGUARDIAN.COM Royal Mail admits its scanners ‘make mistakes’ but stands by the process it uses to detect fakes as ‘robust’  
    • DWF can't do anything as they act for a client. In this case, Sainsbury's. Sainsbury's could take you to court and ATTEMPT to get a CCJ but it's unlikely. They had no interest in dealing with you at the time. All DWF can do is send out pointless threatograms. They'll threaten to divert an Iranian drone to your house if you don't pay. However, they can't attempt to get a CCJ against you. IGNORE THEM. It's more important now to understand why you were allegedly shoplifting, and you should speak with your GP and try and get yourself signposted to the support that's available.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ppi and ge money now santander


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Hi I wondered if anyone can help i sent my ppi claim off to ge money and today received a letter saying:

the data protection act prohibits them from retaining personal data for longer than necessary and the only hold records for six years and say the destroyed/deleted my records and they have no records to investigate my claim. Additionally as any policy relating to this account was sold more than 6 years ago any claim would be time barred by the limitation act. Please could anyone give me advice on the matter I have a copy of original agreement.

thanks in advance lou

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They are talking nonsense about the limitation act. Follow the PPI link.

as for their records, well I don't believe it.

When they were Abbey they kept all their records back to 1933 - I know becaise I interviewed someone who worked in their archive dept.

 

You will have to fight very hard to get the data. This is one of the ways these companies act to frustrate legitimate claims

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Great that you have a copy of the original agreement.

 

PPI claims are not time barred.

 

Have you got a record of the payments you made?

 

The DPA doesn't prohibit them from retaining data....that is tosh.

 

What type of loan is this and how did you apply for it/get it?

 

What are your reasons for believing the PI was mis-sold?

 

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Hi

the only records of payment i have got is bank statements with the full monthly payment of the loan I took it out to buy a car, I did'nt no i had ppi until recently when i was sorting all my old paperwork out which wish id know at time as i got reduced hours at work while paying them a few years after taking the loan out and struggled to pay them.

cheers louthetyke

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You'll need this spreadsheet.

 

StatIntSheet v101.xls

 

You need to work out the percentage of the PPI part of the loan to the total loan. Apply that percentage to each monthly payment made up to the date the account was passed over.

 

Was the account sold to Link or are Link collecting on behalf of the original creditor?

 

Go along to the fos website and download a copy of their consumer questionnaire and complete it.

 

When you've done the spreadsheet as above, come back here and we'll move on to the next bit.

 

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Hi thanks for the advice I did this when sending off for ppi in the first place and shall I do it again? It just needs printing off. I think the account was sold to link, So what do i need to do next.

regards lou

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So if you have already sent them a spreadsheet, fos questionnaire and a copy of the agreement you have two choices.

 

1. You challenge GE by sending it in again telling them that FSA/fos regulations state that the claim is not time barred and that you demand they pay you your money back. Remind them that you have provided evidence of the PPI even if they have chosen to destroy theirs so they cannot hide behind the "no data" excuse.

 

2. Pass the case to fos to deal with enclosing copies of all the papers you have sent GE with a formal complaint that GE are nto investigating in accordance with the regulator's guidelines.

 

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