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    • its a clever scam i bet you've never used dividebuy bet its not from them either...   dx
    • so i see you are back  what happened here...   dx  
    • Have you suffered any loss from fraud?
    • Hi   I recieved the following email a few days back I sent a complaint but had no response or acknowledgement        Dear Me Unfortunately, I am writing to you to let you know that earlier this week we discovered that DivideBuy and its customers (including you) have been the victims of a cyber incident, which involved some of your personal data being accessed. I wanted to write to you as soon as I could, to let you know what we have discovered so far, and how we are going to protect you against any consequences of this attack. Details of the Data Breach In the last few days, since becoming aware of the incident, we have been working hard, together with external specialists, to make sure that all data is secure and that an attack of this kind cannot happen again. We have also established that within the information that was accessed it may be possible to identify: Name Date of Birth Address Telephone Number Email address Associated Alias Although some credit report information was also contained within the material that was accessed, this was not stored in a readable format and so is not likely to be able to be used by the person or persons who accessed it. Please be advised that the data compromised in the incident did not contain any bank account or credit card information.   Further Steps My primary concern, and the concern of everyone at DivideBuy, is to make sure that as far as possible you are protected from any worry or other adverse consequences as a result of this incident. In conjunction with TransUnion International UK Limited (“TransUnion”), one of the UK’s leading consumer credit reference agencies, we have therefore arranged a 12 Month subscription to TrueIdentity, an online monitoring service, at no cost to you. This credit monitoring service will notify you by email of critical changes to your TransUnion Credit Report.  Should you receive an email alert, you can review and validate the reported change by logging into the TrueIdentity portal. This allows you to identify any potentially fraudulent activity on your TransUnion Credit Report.   How to access TrueIdentity To take advantage of this service and help protect your identity, please visit:  https://trueidentityassist.creditview.co.uk And enter the following Secure Access code below before 30th March 2021: DVB1346 Upon successful completion of the registration process, you will have access to the following features: Unlimited online access to the TransUnion Credit report. Unlimited online access to the TransUnion Credit Score, with score factors analysis. TransUnion credit monitoring alerts with email notifications to key changes on a consumer’s credit file. Unlimited access to online educational resources concerning credit management, fraud victim assistance and identity theft prevention.   What should I do if I believe I am a Victim of Fraud? If you believe you are a victim of fraud, check your credit report and dispute activity via your TransUnion Credit Report that you do not recognise. TransUnion will then contact the Lender who has provided the data to make them aware that the data is possibly fraudulent. The Lender will then perform a fraud investigation and remove any data if they find evidence that fraud has occurred. You may wish to add password to your credit file as an extra level of security, so any lenders performing a credit search will need to request the password from you so they can proceed with the application. You can do this by adding a Notice of Correction (NOC), for free, to your credit file. You can do that by emailing [email protected] with the wording you would like to apply and include your full name, address, and date of birth.  Please bear in mind that Notice of Correction data is not shared across the credit reference agencies. You can also request a Notice of Correction to be raised with the other credit agencies too, please see their contact information below:    Experian Ltd: https://www.experian.co.uk/consumer/guides/notice-of-correction.html Equifax: https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/What-is-a-Notice-of-Correction1   You may also wish to contact Cifas, the UK’s fraud prevention service. They will be able to apply a Protective Registration warning on your credit file, for an administration fee.  To inform Lenders that you think your data could be at further risk of fraudulent access, so they can make additional checks to protect you moving forward.   The Protective Registration flag can be applied to your file with immediate effect by telephoning 0330 100 0180 (and must then be confirmed in writing).  You can also apply online at www.cifas.org.uk/pr_for_individuals. I, together with all of my colleagues at DivideBuy, truly regret any inconvenience this may have caused you, but we are working hard to put this right and to make sure that it cannot happen again.     Rob Flowers Chief Executive Officer   You are receiving this important information email because some of your data was on our database at the time of the data breach. You have NOT been added to our marketing lists or any other email list. We are sending this email to a list of people to provide important and urgent information updates about the data breach ONLY. You will not receive any marketing emails from DivideBuy unless you have signed up to receive marketing emails from us. If you wish to contact us regarding the matter you can contact us by post or email [email protected] www.dividebuy.co.uk Copyright © 2021 DivideBuy, All rights reserved. DivideBuy, Brunswick Court, Brunswick Road, Newcastle-under-Lyme, ST5 1HH, UK     I went on the dividebuy live chat and was told that dividebuy are not giving compensation for this breech, what can I do as this is causing me all sorts if worry now that my identity is going to be used in fraud, they have offered the 12 month transunion thing but I can't help but think this won't pick everything up on the dark web. I suffer from bipolar and I am really struggling to deal with it.   Is it worth me starting a County Court claim for damages or would I be wasting my time. Or would it be too early to start that and need to go through a certain route?   Tia
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Hello all,

 

What an amazing forum!

It is a bit of a maze for a new user to navigate to the correct area so I hope I am asking the correct question in the correct place.

 

I have a number of creditors, both secured and unsecured.

 

I have defaults across the board after running into financial difficulties over the past couple of years.

 

I seem to have turned a corner financially now and I am keen to clean up my credit rating; using creditexpert,

I have a 540 score which is 'very poor'. I have a couple of questions related to getting a better credit score...

 

1. I have one secured creditor (Welcome Financial Services) who I still owe a few thousand pounds.

I have already paid back a huge amount but defaulted a number of times.

As the loan is over five years, they have frozen the interest and I am paying every month.

 

Q: Their details appear nowhere in my credit file which I suppose is a good thing.

But does this indicate that there may be an error on the original paperwork and should I pay for a 'Subject Access Request' for £10?

 

2. I have a secured loan with Future Mortgages.

I have had the loan for about 3 years but the balance has only reduced by about £1K, despite me now only being 1 month in arrears.

 

Q. Is it worth getting a full report of their charges and original paperwork sent to me and have it looked over to make sure their calculations are correct?

 

Final Q: where does one turn to in order to have interest rate and penalty charges checked against the terms of the agreement;

an accountant or are there firms that do this? What sort of cost can I expect from this?

 

If anyone could point me in the right direction, I would be so grateful.

 

I am keen to improve my dreadful 540 score and don't really want to pay inflated charges and interest in doing so.

 

Many thanks!!

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Hi Welcome to CAG, I will try to answer you questions.

 

1. If a defaulted debt does not show on CRA files it is because the original default date was more than 6 years ago.

also Welcome as such no longer exists as a trading company and now only collects outstanding book debt.

You should also check Equifax though as data can vary between agencies.

 

2. Are you not receiving statements on this account, if not yes demand full explanation and statements, if this fails a Subject Access Request under the Data Protection Act 1998 this requires the creditor to supply ALL data they hold on you and the account, there is a £10 statutory fee, the creditor has 40 days to comply, this should be addressed to their data controller and sent by recorded delivery.

 

3.This would be again by a SAR request.

 

Defaults remain on file for 6 years then are removed paid or not, improving a credit profile is I'm afraid a long process.

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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you certainly do not need any accountant to do the PENALTY charges works

 

an SAR will tell you the charges.

 

as for welcome

 

def SAR them.

 

the debt will be inflated by PENALTY fees for everything

even un-answered telephone calls!

 

as well as their range of 'supposed' compulsory insurances

 

ALL can be reclaimed

 

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 so much for your very kind responses.

 

I will definitely get an SAR from Welcome.

 

However, it is not the case that the defaults are not showing, it is that nothing at all is showing.

 

I took the loan out less than 6 years ago but there is no record of a check or any payments etc. like all my other creditors. I will also check with Equifax.

 

When I do get a list of all of the fees and interest,

how do I check they have applied the interest correctly or is it a case of a long evening with a calculator?

 

Thanks again

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The defaulted entries are removed so that no data is displayed anymore so blank is correct.

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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Thank you so much for your very kind responses.

 

I will definitely get an SAR from Welcome.

 

However, it is not the case that the defaults are not showing, it is that nothing at all is showing.

 

I took the loan out less than 6 years ago but there is no record of a check or any payments etc. like all my other creditors. I will also check with Equifax.

 

When I do get a list of all of the fees and interest,

how do I check they have applied the interest correctly or is it a case of a long evening with a calculator?

 

Thanks again

 

forget the interest.

 

the 'fees' will be obvious PENALTIES

 

late

over

letter

debt management

phone call

 

etc etc

 

they will be labelled as 'fees'

 

NO penalty fee is lawful under FSA guidelines

 

i have moved your thread to the WF forum

 

have a look at a few thread here

 

you soon see examples of welcome statements / charges threads

 

all should be come obvious

 

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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