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I take it I should use this template that begins with [Their address] [Date] Dear Sir/Madam GENERAL DATA PROTECTION REGULATIONS - SUBJECT ACCESS REQUEST ACCOUNT /REF NUMBER XXXXXXXX ? I wasn't aware I had a card from vanquis and like I said, I was obtaining credit reports to establish the validity of NCO/Arrow and there was no trace of vanquis/arrow/nco on my credit report. This is the reason the dispute has commenced. In addition, I have no past correspondence from vanquis at all which is bizarre.
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The solicitor has raised a key issue : you could win a claim, but it turn into a hollow victory if you then couldn't enforce judgement. Have you checked Companies' House (to see if he has been a director of multipole previous companies that have done similar?). You may wish to see if there are factors that might limit him from folding / re-opening (for example, he might not want to give up 25 years of good trading history, or if he has done so quite a few times before, a further episode might mean he risks being disqualified as a director - but that'd likely take Trading Standards being involved). If he has a history of multiple failed Directorships, and the Ltd Company now has others has directors (such as his family) : that would be a bad sign, suggesting that he is ready for this to happen again*. * To get around that you'd have to show / prove he was working as a 'Shadow Director' (if the Ltd Company doesn't have him as a director), and that is very tricky! It seems very wrong if the conclusion is he'd likely get away with it. For work up to £30,00 it is a good idea to pay some on a credit card, to get section 75 cover, if you can .... then you can go after the credit card company, and leave them to chase the Ltd company!.
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By honeybee13 · Posted
It could be that it just isn't a very busy forum. Is there something specific you're looking for? HB -
By Badtimes123 · Posted
Hi, 'recent swift'? how recent are you talking about please? Have you used the forum search function? BT
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