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    • Perhaps if you posted detail of this loan with history and who is threatening who with what ?   Andy
    • you have ofcourse sent them an SAR and put them to strict proof they have data of the old historic debt?   they cannot add anything historic without written proof!!   dx  
    • Rewrite a fresh particularised particulars of claim given that the court has ordered this.....lay it out as per the defendants statement format. You will have to submit an application notice N244 to change the defendants name....the fee will be £100.   Post a copy here of your intended particulars before submitting...you will have to conclude it with a statement of truth as you will be submitting it manually.Did the court give a date that this must be complied with ?   Andy
    • Not sure why the court hasn't got that 1st statement but the whole thing was a mishap anyway as the 1st call i had the judge had the wrong case.
    • I'm confused?   Are your posts from yesterday (concerning a claim against a national courier) connected with this thread (you suing a relative for non-payment of a loan) or something entirely different?   (I know you were criticised before for starting a new thread when you should just have continued the existing thread - suing your relative - but if this suing a national courier is entirely unrelated it ought to be a new thread.  You don't explain why it is a continuation of the existing thread.  Maybe it is, but you don't explain why...)
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Does this card from Power2Contact break DPA regs?


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Hi,

 

Apologies if the answer to my question is elsewhere on this site - I have looked and, while there are indications that P2C have broken the rules, I want to be certain before I take things further.

 

I arrived home after a few weeks away to find two cards had been put through my door from P2C. Neither card was in an envelope and both have my full name handwritten on them.

 

One of the cards contains the following (the bits I've highlighted in boldblue were handwritten):

 

We called today to make contact with you regarding your _Natwest account, Ref: xxxx Debt Officer.

 

This is followed by a request to call a mobile number "within the next 24 hours to avoid any further action".

 

Just wondering whether the fact the card contains my name, along with indication I am in debt with Natwest is breaking DPA/OFT (or any other) rules?

 

I've been in touch with Natwest and they've confirmed that they sent P2C around as I haven't responded to letters they've sent about one of my accounts (I have an authorised overdraft on this account, but haven't made a credit to it for a while so they've classed it as being dormant).

 

While I'm in a position to credit my account and make this all go away, the heavy-handedness of Natwest has really riled me - I've complained to Natwest but they've basically told me to go away as it was my fault for not crediting my account.

 

Any advice on whether I've got grounds to lodge a complaint with OFT greatly received. I'd also happily take my gripe with Natwest further if there are grounds for doing so.

 

Thanks.

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Yes it does break the DPA, as they don't know whether this information could be seen by a third party. For all they know you could be living with an axe murderer who hates people in debt and is currently in the shed sharpening their favourite axe.

 

For the ICO to deal with a complaint, you would I believe have to send a complaint to P2P and give them a chance to answer it. If they failed to do so properly, then you can involve the ICO. The trouble is that while you are complaining, they will want to contact you regarding the debt.

 

As for NatWest they are entitled to make contact with your regarding the conduct of the account and in my opinion a complaint would be difficult, unless you can find real reasons for it.

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Was there any likelyhood of a third party seeing the cards?

Your first point of ''complaint'' MUST be to NatWest as they are responsible entirely for the actions of their agent P2C, a formal complaint to the director of retail banking, copied to thr compliance manager at P2C is the way forward.#

The Regulatory bodies will expect you to have exhausted the ''complaints procedures'' of the bank and P2C before registering a complain with them.

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well whatever you do

 

never pay a doorstepper!!

 

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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These ''debt officers'' have no authority to question you/demand payment or any thing else, should you by chance get another visit ''invite'' them to leave and state you will only deal with the bank in writting.

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 will also find that a credit of some amount must be paid into the overdrawn account every 30 or 40 days , you can take it streight back out again but there must be a credit made to the account

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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You can make a complaint to the OFT without having first contacted or complained to the company.

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

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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

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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.

 

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