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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.  
  • Our picks

    • 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.
        • Haha
        • 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
  • Recommended Topics

ISME Shop Direct PPI - **£3K WON AFTER 18mts**


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My friend has had a catalogue with account cover plus on (PPI) for over 20years.

She has been in financial difficulty for three years and cant afford her catalogue payments.

 

It was only when I got involved that I found out about PPI.

She says she didn't want the cover but was pressured into taking it.

 

She was either unemployed or on part time work at the time.

 

I suppose that's how club books make their money from people who cant afford to pay outright.

 

Having used the compound interest calculator using just £1 @ 44.8% it comes out today at £ 4,412.89

 

Now she has been paying them for 22years so this is going to be a huge claim?

 

That makes me think it will be strongly contested.

 

your thoughts please.

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aha sounds like kays lifestyle account

doing the same for a neighbour

 

her claim is almost £5k

 

since 1989!!

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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  • 3 weeks later...

yes

 

is the date also exactly 6yrs from the date of your request par chance?

 

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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It's probably due to the fact that they don't hold records any further back than that.

 

Don't like to play the killjoy but I wouldn't get her hopes up. A catalogue company wouldn't have been regulated at the time hence no access to FOS. It's probably going to be difficult to prove her employment status from 25 years ago as well.

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done twice now.

 

cant of been isme either

 

were not around 20yrs ago

 

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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It's probably due to the fact that they don't hold records any further back than that.

 

Don't like to play the killjoy but I wouldn't get her hopes up. A catalogue company wouldn't have been regulated at the time hence no access to FOS. It's probably going to be difficult to prove her employment status from 25 years ago as well.

 

You arent seriously suggesting they hold exactly 6 years data and no more?

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yes

 

is the date also exactly 6yrs from the date of your request par chance?

 

dx

 

Yes exactly to the date of receiving the SAR request.

 

What i have received is coded and as complicated as they could make it

 

What statements they have provided the print is so small micro film is bigger ..lol.

 

When you phone them before you speak to anyone you get a message informing you ALL calls are recorded...

 

.SO where are the copies of the voice comms or transcripts? No copy of original agreement.

 

Yet when I spoke with their PPI insurance team a month ago he could see the date the account was opened,

the date the PPI commenced, the amount of the first payment and the rate of interest?

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they have got the info yes

 

sar is not limited to 6yrs

 

you should write back stating you consider the sar incomplete

you want ALL the data they hold, not JUST to the 6yrs barrier

 

whatever act or prevention of fraud stuff they are invoking is not an excuse for not supplying it

under an sar

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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It's probably going to be difficult to prove her employment status from 25 years ago as well...................If they have no records its going to be more difficult for them to dispute too...works both ways!

Edited by hsbcfiddled
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exactly!!

 

its funny what info they came up with on one I did.

 

they stated they had evidence this person was in full time employment

so was not an unemployed single mum at the time.

 

funny how the first orders were all baby stuff!!

 

and the baby was born 3 weeks before

 

they coughed nicely

 

don't trust anything they say.

 

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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exactly!!

 

its funny what info they came up with on one I did.

 

they stated they had evidence this person was in full time employment

so was not an unemployed single mum at the time.

 

funny how the first orders were all baby stuff!!

 

and the baby was born 3 weeks before

 

they coughed nicely

 

don't trust anything they say.

 

dx

 

So did you get the full details including original agreement dx?

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rarely do you get an agreement

they don't have any

 

you first order serves as your agreement to the agreement!

they used to send them out

2 in a tear-off page

you signed both

kept one

sent the other back

 

most people didn't bother

 

PENALTY fees are sadly only reclaimable outside of 6yrs

throught the courts

or

if you can prove that had the PPI not been there that month

the penalty would not have been necessary.

 

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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that cut -off date is TOO near to exactly 6yrs from your request

 

you need to write back

and demand statements from BEFORE 6yrs

they obv have them.

 

the SAR is NOT limited to ONLY 6yrs

 

it is ALL data they hold on your on whatever system & at what ever age.

 

there is no 'get-out' for them under the fraud act to not supply the data if they have it.

 

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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Share on other sites
that cut -off date is TOO near to exactly 6yrs from your request

 

you need to write back

and demand statements from BEFORE 6yrs

they obv have them.

 

the SAR is NOT limited to ONLY 6yrs

 

it is ALL data they hold on your on whatever system & at what ever age.

 

there is no 'get-out' for them under the fraud act to not supply the data if they have it.

 

dx

 

I have already drawn up a letter in the strongest terms informing that them that I believe this was a deliberate tactic and they have not complied with the SAR and that if they do not comply within the 40 day time limit I will inform the ICO. I asked for Data Proctection Officers name and evidence of any destruction. .

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good move

 

cant harm anything.

 

you might find it useful to read the shelley Barclaycard thread

in the Barclaycard successes forum on this

 

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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  • 1 month later...

scan up the letter please

 

never give up on the first fob off letter.

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

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

.

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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follow the guide please

 

 

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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First some of the infosupplied re SAR:

 

Statements are in small print and only one year from date of SAR request even though account commenced in 1991.

 

Charges have been levied for

Account cover plus,

Account interest,

missed payment fee,

insufficient payment fee,

late payment fee,

debt collection letter,

debt collection telephone call fee,

 

 

and for just one year it totals £700 approx on an amount of £1000 balance in Sept 2012.

 

No copies of agreements,

or PPI agreements,

or account cover plus have been provided.

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