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    • Hi MIE   I have prepared for the fact that I might not win, although I would very much like to but has been factored into my plans to deal with my current debt and helping to reduce it.    In in regards to documentation....I have been asking for specific information, which they have refused to provide me with since 2013 and not just since I received the claim.    I’ve not received any documents or a response to my SAR.    Particulars of claim in #5.    Defence below (I know it’s not the best, but it’s all I could come up with).   DEFENCE   1. The Defendant received the claim xxxxxxxx from the Northampton County Court Business Centre on 10/08/2019.   2. Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.   3. This claim relates to an alleged salary overpayment.   4. It is admitted that the Defendant was employed by the Claimant from 02/02/2009 until 31/08/2011.   5. It is admitted that the Defendant has made a payment of £465 to the Claimant.   6. It is denied that the Defendant owes this whole amount as the Claimant has not provided the information and documents requested.   8. The Defendant is unable identify through financial records that amounts were received as alleged.   9. The Claimant has failed to provide bank account details of where payments were made despite being requested to provide this information.   7. The Claimants particulars of the claim fails to give adequate information to enable me to properly assess my position with regards the claim.   8. The Defendant contends that the Claimant is a public body that is requesting interest on a debt that is alleged to have been incurred as a result of a salary overpayment and not a credit agreement.   9. The Defendant contends that the Claimant is requesting interest from a date that is Statute Barred.   10. On the 12/08/2019 the Defendant sent a request for inspection of documents mentioned in the claimant’s statement of case under Civil Procedure Rule 31.14 to Claimant’s Solicitor].   11. Claimant’s Solicitor has not sent any of these documents to the Defendant.   12. The Defendant has asked the Claimant Solicitor if we may agree to extend the time period allowed for filing of the defence pending receipt of documents (as allowed under CPR 15.5), but no response has been received.   13. Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.   14. The Defendant respectfully requests the court orders the Claimants to provide the necessary documentation in order for The Defendant to fully plead her case else the Claim should stand struck out.   15. In the event that the relevant documents are received from the Claimant, the Defendant will then be in a position to amend her defence, and would ask that the Claimants bear the costs of the amendment.   16. It is denied that the Claimant is entitled to the relief as claimed or at all.   Statement of Truth The Defendant believes that the facts stated in this Defence are true.
    • Thread moved to Debt Collection Agencies Forum.   Andy
    • We will also need a copy of the defence you submitted.I would advocate sending a CCA Request also...unless you legally request it they cant be in default.   Andy
    • the pursuers don't have to serve a DN the original creditor did the pursuers have failed to prove one was ever served. fatal under section 87 of the CCA    no signed cca nor relevant T&C's    
    • PDF only please read upload   yes block and bounce all email addresses.   dx  
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Police checks on partners broke law

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Four people have been sacked and 14 resigned as a result of the breaches of data protection laws by police officers and staff in Wales in the last two years.

 

Full story here

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Unbelievable.

 

I am having great difficulties at the moment which are causing me so much distress.

 

It became apparent in a letter written to the CSA last September that an ex had accessed my credit file. Earlier that year on a family court my exes barrister said in court that they know all about me using an alias. I thought this was so bizarre as I had never done so. As I won the case I did not pursue it any further. In the September when he stated in his letter to the CSA that I believe he did not think they would share with me sensitive information from my credit file.

 

I then requested a copy of my credit file from Call Credit. They were actually very helpful. On my credit file my mothers maiden name had been listed as a alias. I have never ever used any mother names so can only think this was a recording error.

 

In the report there was a search to my credit file that I did not recognise. It was by a firm called N2 Check which is a company owned by Dunn and Bradstreet. I communicated with N2 to be told that the search was done by Call credit their consumer credit provider . Call credit said that N2 would have that data not then, call Credit said that n2 would have it not them.

 

I made a complaint to the ICO in

November 2012. I wrote to Dunn and Bradstreet to tell them that I was taking action. In March 2013 I received an email from Call Credit telling me that N2 had just informed them that the search was done by a private investigation agency called Hermes Forensic Solutions. I emailed Hermes who did get back to me reasonably quickly to tell me that it was not them that did the search but another company called 1000words. I emailed 1000words and the worker admitted that he had done the search and he was aware that I had not given my consent. Hermes did explain to me that 1000words was a sub contractor to Hermea. They went on to explain that they allowed their sub contractor to do some private work using their n2 account. 1000words refused to name the third party. It was so frustrating knowing that my personal data was being given to third parties. Eventually hermes agreed to intervene and told me who 1000words were providing services for. I could not believe it was yet another private investigation company. I emailed this company and they are insisting that I will have to wait the statutory 40 days before they would reply to my subject access request if they considered it appropriate.

 

The only way you can do a consumer credit search is with the data subjects request or a court order. Neither of these applied so it must of been a fraudulent search. . 1000words did tell me that they had apologised to N2 back in October for providing a consumer credit search without consent. It is so frustrating all these lies and cover ups. Passing the buck between agencies.

 

 

The last agency insisting the 40 days statutory wait before they may or may not disclose who paid them to conduct a search on me are called Neil

Casey Investigations. The whole thing has been an ordeal. My ex has used the data he received to intimidate me.

 

I hate all this cover up . Why is it so hard to be told who has paid for an unauthorised credit search to be done without consent or a court order.

 

I have referred the matter to the ICO and am waiting for an enforcement officer to be allocated this case.

 

Can anyone offer me any advice. The Neil Casey Investigations tell me that they are only required to tell me what information they have stored on me but are not required to tell me who they have passed it onto .

 

Can somebody advise or have any knowledge about this .

 

Thanks you

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