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    • Hi All, I've just had the inevitable N24 and other paperwork arrive. I've read other examples on here and I think I understand the steps to follow. I have until the 28th May to return the N180 Small Claims Direction Questionnaire, I also have an N244 Application notice copy. I read an update on a case you kindly put a link in for me to read. Turns out they lost in court and are now struggling. I really don't want to get to that stage and am thinking mediation may be the way forward? Thoughts please? Pretty sure I've missed the 7 days to have the order set aside.  For reference, this is what I received: Dated 8th May Before Deputy District Judge Baker sitting at the Civil National Business Centre, 4th Floor St Katharine's House, 21-27 St Katharine's Street, Northampton, NN1 2LH   The Court will deal with the application to lift the stay without hearing under CPR 23.8(c)   It is ordered that:   The Application to lift the stay and for direction questionnaires to be issued is granted.   Because this Order has been made without a hearing, the parties have the right to apply to have the Order set aside, varied or stayed. A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this Order. If the application is one which requires a hearing, and   a) the party making the application is the Defendant; and b) the Defendant is an individual,   then upon the filing of the application the claim will be transferred to the Defendant's home court. In all other cases requiring a hearing the claim will be transferred to the preferred court.  
    • no ftmdave ive not emailed at ceo level..i did not know you could do that....but i will do now, thanks. ive just been wasting time emailing to customer complaints department
    • Dx, I've now blocked out and attached a copy of the letter that I'm responding tonight.
    • You mention that Iceland have been useless, and that has been our experience too in other cases. However, have you escalated to CEO level?  https://www.ceoemail.com/s.php?id=ceo-9061&c=Iceland Foods-Chief Executive If not, it has to be worth an e-mail.  Mention immediately, first line, that you are disabled and have been a victim of disability discrimination on the part of the shop's agents. The idea may fail miserably, but nothing ventured ...
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Cap One PPI - What to do next?


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scan a copy up, minus personal details, cap i get a CCA1974 right??? miracles do happen??? 2000?

 

They do try to argue PPI

 

You want me to scan it for the forum? Enlightem me regarding the "CCA1974 right??? "

 

Hmm.. So this is looking good me me eh? Can't believe it!

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Consumer Credit Agreement 1974 is your contract between you and a Supplier (Credit Card Company in this case), alot of pre2006-7 agreements did not conform to legislation, i.e. contain the contents required to make the contract.

 

Just a thought, so if you scan your copy up peeps may be able to see if it conforms to legislation.

:mad2::-x:jaw::sad:
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Thanks for the info... It's all new and confusing to me (at the moment)

 

Does the PPI only cover the erm... PPI? and charges are done seperatley? and IF my agreemnt does not conform what then?

 

Anyway.. I will start the PPI and attempt to attach the scan now.

img006.jpg

img007.jpg

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Sorry.. made a mess of that. Any advice to get it full page?

 

Use this method

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

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  • 1 month later...

So, here I am awaiting my SAR results from Capital One on day 43 and the Post Man delivers my letter from said prat's.

 

Rather than the heaftly package I expected, I get a one page letter LOL

 

From: Liam Quegan

 

Thank you for your recent letter which has been passed to me as I deal with requests under the Data Protection Act 1998.

 

Unfortunately I am unable to review your request as the signature you provided us with does not match our records.

 

In order to provide you with the requested information please write to me again together with a copy of your signature (this could be a driving licence or passport)

 

I am sure you understand that we need to do this to protect the security of your account.

 

We acknowledge a receipt of £10.00 fee required by the Data Protection Act 1998.

 

Please note that the 40 day time limit to provide you with the Subject access request does not start to run until we receive the correct documentation.

 

--------------------------------------------------------------------------

 

Can they actually do this? I signed the SAR but deliberatly used a different style of signature. Also can they make me wait another 40 days?

 

What to do??????

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The information Commissioner say quite specifically that if they require further information, they are to request it "promptly" ... not that they wait for 43 days and then say they cant deal with it.

 

Have you been in contact with Capone say in the last 12 months ? If so, then having communicated with you they have no need to to establish who you are.

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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have you moved since you last used it?

 

seems strange

they are going on a sig mis match.

 

BTW you dont need to munge an SAR sig.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What on earth is the point of providing a false signature on a lawful request for information it's entirely pointless!!

What do you believe they are going to do with the correct signature?

The bank are totally correct in their actions so comply with the request for your proper signature, they may or may not make you wait a further 40 days from the receipt of the correct information.!

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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two thread merged

 

please keep to one thread per debt/reclaim

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have taken a look at the ICOs Instructions for making a SAR every template contains at the end (signature)

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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Ok ok.... my stupid fault. I'll reply with correct signature!

 

Q: Brigadier - What do you believe they are going to do with the correct signature?

A: I don't trust that lot one inch...

 

Q: dx100uk - two thread merged

 

please keep to one thread per debt/reclaim

 

A: It was not me... I made a seperate new post!

 

Yest I have been in contact with them in the last few months and they did not need my signature when I got all the other details from them!

 

So with my *ss spanked I'll resend the SAR letter with signature.

 

Thanks

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A SAR is a lawful request made under an act pf Parliament.

 

As to your comment about trust it seems to be mutual:lol:

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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  • 1 month later...

We SAR'ed Cap One and waited 45 days to get a reply stating my signature did not match their records (my fault)

 

Sent a new SAR with correct signature.. I stated in a letter that they should not have waited so long to point the signature problem out Etc. and expected a reply (SAR details within 7 days)

 

Ok, no 42 days have passed on my second attempt with no reply so far.

 

They have been charging PPI since 2000 when I have proof from them I did NOT tick the box for PPI.

 

I am sure the next letter will state "We are snowed under and need 10 weeks" I just know it lol.

 

So, do I have any poweres or do I just wait and sit it out?

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failure to comply letter and threaten them with the ICO

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for the pointer's... What do I put in the 'failue to comply' letter? is there a template available.... and how do I 'threaten' with a ICO ?

 

Sorry to be such a newbie!

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failure to comply letter is in the green library tab top left

 

information commissioners office

 

they regulate infomatation.

 

dont forget our search top right.

 

too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, just an update...

I am really getting fed up with this bunch.

 

I sent the "failure to comply letter" the other day 8/11/12 using the template and stating I want my SAR within 7 days.... I should have saved my time!

 

Today I received a one page letter from a Mr ...... (who also sent the previous letter)

which appears to be a standard letter sent to anyone who applies for a SAR

but failed to include the £10.00 fee. It's taken them 42+ days to send me that.

 

40+ days ago his last letter stated that they could not proceed because my signature did not match their records

BUT they acknowledged the receipt of my £10.00 fee.

 

24 September

"In order for us to provide you with the requested information, please write to me again together with a copy of your signature or a copy of documents showing your signature"

"We acknowlege a receipt of the £10.00 fee required by the Data Protection Act 1998"

"Please note that the 40 day time limit does not start until we receive the corect doccumentation"

 

Everything was re-sent excluding any further payment.

 

Today:

All the usual standard waffle and...

"Please note that the 40 day time limit does not start to run until we receive the fee"

 

So... 80+ days down this sorry road and I am NO FURTHER than step one!

I am beginning to see why many opt for the solicitors.

I bet Capital One does not mess with them so easily.

 

I wish I could phone them (or better still call in) either they ARE incompetent or they are using every stall tactic they can dream up...

. In which case meybe I should let an agent take over?

 

What would you do? This is just dragging on and on, and then there will be the PPI claim.

 

Help!

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I'd stronly advise NOT to let an agent (claims company) take over. You've started this footwork, it'd be such a shame to appoint a claims company at this stage and lose 20/30% of any money you could potentially win!

 

I understand your frustration as I had the same bs stalling tactics with Sharkleycard (sar sent the day after Boxing day last year and all my docs eventually arrived mid May this year!)

 

I'm not sure that they can restart the 40 day clock again. Hopefully one of the SAR experts will be along shortly to advise further.

 

Good luck... Please, stay away from the claims company. I'm sure this stalling tactic would have still been used if you'd have originally gone through a claims company.

 

Be sure to put a line through your signature just in case it is their intention to lift it and paste it onto documentation!

It never rains but it pours...

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Yeah... Thanks. It's just so anoying when these people can play with us like they do.

 

My signature was done on the anti tamper image so we will see lol

Edited by dx100uk
please refrain from vailed swearing - dx
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Had the same problem with my Cap One card.

 

I didnt hang around but wrote to CEO. (Google him) stating what has happened so far and if you dont get your SAR in x days you will be writing to the ICO.

 

Got mine within a week. They never indicated that they were at fault but hey ho they never are.

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