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    • 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
    • It was £229 DIGIHOME 32INCH HD READY SMART TV   Dx100 so ill have to wait for them to get back to me and then take it to a repair shop to diagnose the fault? Do you think there's any chance they might just replace it? It was only £229 which is not a lot to them but not an amount i can afford to just replace unfortunately.  
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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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    • 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
  • Recommended Topics

one call insurance/judgement order listings DCA threat-o-gram


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well here we go again,another letter arrived today, another "court action notification".

wish they would get off their fat a** and stop giving me idle threats and take me to court.

come on carla Patterson come and get me .

Edited by themagician
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These letters break the rules. e.g court action notification and judgement order listings. It is illegal to make any such suggestion. Section 40 Administration of justice act. A complaint to the FCA may be in order, although they don't normally deal with individual complaints from consumers.

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Judgement Order Listings is part of OneCall group, their domain name registration confirms this, the registrant address and nameservers are

 

One Call Building, First Point Doncaster South Yorkshire DN4 5JQ

 

Name servers: ns1.onecallgroup.net ns2.onecallgroup.net

see http://www.nominet.org.uk/whois/lookup?query=judgementorderlistings.co.uk

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Judgement Order Listings is part of OneCall group, their domain name registration confirms this, the registrant address and nameservers are

 

One Call Building, First Point Doncaster South Yorkshire DN4 5JQ

 

Name servers: ns1.onecallgroup.net ns2.onecallgroup.net

see http://www.nominet.org.uk/whois/lookup?query=judgementorderlistings.co.uk

 

Yes, I think we realise this. There have been a number of posts to CAG complaining about the way One Call chase for outstanding premiums. My opinion is that the current way is borderline illegal or certainly against FCA rules.

We could do with some help from you.

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  • 2 months later...

well you cannot say their not persistant,yes Judgment order listings,we have now gone back to FINAL warning!

miss Carla Patterson senior agent "spy 00-41/2" have you got such a short memory span as the last letter was

"court action notification" .

letter say,s"if standing order not received within 7days,then we will have no option but to instruct our door to door debt collectors to visit your home or work premises to collect the payment owed.

oh Carla can you not either come personally or at least take me to court "ace in the hole waiting for you".

my fondest greetings Carla, love me xxx.

PS don't come in the next 2 wks as its schools hols and Greece awaits me.:violin::violin::violin:

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Well if that is supposed to be a Letter before Action, it fails miserably.

 

I dont think it follows pre action protocol either.

 

if standing order not received within 7days,then we will have no option but to instruct our door to door debt collectors to visit your home or work premises to collect the payment owed.

 

 

^^^^ I would be reading the above as a threat ! typical of an illegal loan shark.. and certainly in breach of OFT Guidelines.

 

How are they going to "collect the payment owed ? They have no right to enter your premises!

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cheers citizen,b.

 

i know they can,t enter etc etc ,but just taking the Michael.

 

I think I,m being stalked by this woman

 

she tells me this then tells me that

 

,playing hard to get me thinks.

 

should I send her flowers and a chocolate bunny for easter ?

 

,or just a " thinking of you not".

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Well if that is supposed to be a Letter before Action, it fails miserably.

 

I dont think it follows pre action protocol either.

 

 

 

^^^^ I would be reading the above as a threat ! typical of an illegal loan shark.. and certainly in breach of OFT Guidelines.

 

How are they going to "collect the payment owed ? They have no right to enter your premises!

 

who said the debt is owed ???? oops they did,sado,s

 

now Carla as I,m goin to Greece on the money you say I owe !

 

when I come back in 2 weeks time

 

can I offer you 1p a month as I don't work don't own anything

and don't owe you nowt,

 

game over!.

I bet Carla plays a crap game of poker!." sorry did,nt mean to say poker??.

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If you are being stalked by this organisation over a non-existant debt then maybe a visit to the police station would be in order. They have recently taken action against a journalist who was writing several investigative articles about a woman & when he tried to give her a chance to put her point of view she complained that he was stalking her & 3 police went round to talk to him

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  • 2 weeks later...

that's what i thought after reading through comments but wanted to be sure they just like to think they are clever and that if they make threats or make it sound like they are bailiffs we will bow down to them - not this person, i Will report them,

 

 

 

start a new thread

of your own

 

JOL are a DCA they are NOT BAILIFFS

and have no such legal powers.

 

dx

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  • 2 months later...

Just so everyone is aware, COURT BAILIFFS LIMITED t/a Judgement Order Listings has its office at a very similar address to One Call Insurance. They are owned by JOHN LAWRENCE RADFORD, who also owns One Call and it's associated companys. This I have confirmed by a Companies House search.

 

Anyone need more info, I'll see what I can dig up, and my interest they are "chasing" a debt that is not even owed to them. OC think all they have to do is send out an invoice, whether correct or not, then start sending out threats, probably illegally !!!

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then copy and paste the proof.

 

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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