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    • its a clever scam i bet you've never used dividebuy bet its not from them either...   dx
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    • 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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    • 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.
       
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      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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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DWP Contacting my employer for husbands claim?


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Hi Guys,

 

I'm hoping one of you wonderful people can give me some advice please :)

 

My husband has been awarded contribution based JSA & today my employer has received a letter asking for my income details, stating that I have given them permission to contact them.

 

This is my husband's claim, I am not claiming JSA as I work 16 hours per week & I have never signed anything giving them permission to contact my employer.

 

Can they do this without my written permission & does my employer have to provide this information for a contribution based claim?

 

Any advice gratefully received

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It sounds as though your husband might have made a contribution and income based claim, in which case they would contact your employers.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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It sounds as though your husband might have made a contribution and income based claim, in which case they would contact your employers.

 

Hi Estellyn & thanks for your reply

 

He says that he applied for contribution based & was told at the initial interview that they didn't need to know how much I earned because of this, he has been awarded contribution based which I thought was non means tested?

 

The letter states that I have given permission for DWP to contact my employer, which I most certainly have not as I'm not party to the claim. Also my employer says that they cannot give out this information without my consent. Is there any requirement for me to allow this information under the circumstances? I would prefer not to unless there was some financial advantage to us in doing so, we don't qualify for any other help as I don't work 24 hours a week

 

Thanks for your help

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Yes - the JSA1 claim form is confusing, as is the telephone and online claim service. As Estellyn says, it sounds like he's made a claim for both JSA© and JSA(IB). It's easily done. A purely contribution based claim would not take your income into account and thus there would be no reason for the DWP to contact your employer.

 

Have you been asked to attend any interviews at the Jobcentre or sign any forms yourself?

 

Edited to add: Sorry, I posted this at the same time you posted.

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Hi Estellyn & thanks for your reply

 

He says that he applied for contribution based & was told at the initial interview that they didn't need to know how much I earned because of this, he has been awarded contribution based which I thought was non means tested?

 

The letter states that I have given permission for DWP to contact my employer, which I most certainly have not as I'm not party to the claim. Also my employer says that they cannot give out this information without my consent. Is there any requirement for me to allow this information under the circumstances? I would prefer not to unless there was some financial advantage to us in doing so, we don't qualify for any other help as I don't work 24 hours a week

 

Thanks for your help

 

Contribution based JSA is indeed non means tested, as you say. The fact that they've contacted your employer suggests that there's been a mistake somewhere - either your husband inadvertently applied for JSA(IB) or, just as likely, the DWP has made a processing error in setting up his claim.

 

So, what to do? Well, if all he wants to do is claim JSA© and nothing else, he should contact the office that pays his benefit (not the Jobcentre where he signs on) and ask them to confirm that the claim is contribution based only. In these circumstances, your employer can decline to respond to the request for information.

 

The only advantage in making an income based claim would be if your wages are very low (less than around £115 per week after tax) and you needed to seek help paying rent, mortgage interest or Council Tax.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Thanks Antone :)

 

No I've not been asked to attend any interview or signed anything myself.

 

He has an appointment with his advisor next week so I will ask him to clarify it then - it's the first time he's ever had to sign on & it's not easy when you don't have the first clue of how things work

 

Thanks so much again for your advice

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