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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
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    • 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
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Monument paid PPI refund to DCA on sold card debt - help!!


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HI

I applied for the PPI from Monument and i had an outstanding debt which was very old, they sent out an letter to claim PPI and i have applied online.

 

Now i have received an response from the they will be adjusting the money towards my debt, I have attached a copy from them, can you please guide and advise what would be the next best step to get the Ppi

 

PDF uploaded

monument reply.pdf

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sorry what is you problem then?

 

 

that's a std letter from monument by the way

had the same only 12yrs ago

but ofcourse the FOS have decided several times now it IS PPI but that's not the issue?

 

 

so why are you not happy with it?

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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Hi Dx

They say they will adjust this against the debt,

 

i want to know if they are allowed to do it?,

 

am i able to claim all the monies(PPI) from them,

 

do i have to complain thru FOS?

 

want to know how to proceed from here?

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if they still own the debt

yes they can offset against it

nothing you can do about it sadly

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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yes if they still own it

 

 

in E&W a statute barred debt still exists

just that any judgement anyone might get in court cant be enforced

so they don't bother.

 

 

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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Hi Dx

 

I have proof that is attached stating that they do not own the debt,

 

please see the attachment and advise.[ATTACH=CONFIG]65619[/ATTACH][ATTACH=CONFIG]65619[/ATTACH]

 

Sorry i am having problems with the attachment uploading,

 

it says that the debt was sold to Arrow Global in Dec 2014, so what should i do now?

Edited by almdhussain
problem with attachments
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attach as PDF's

follow upload

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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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...

Hi

I have recived £400 out of 2.6k,

when i called Monument they told me that according to terms and conditions they are setting off the balance to the DCA.

 

I have read the thread by nutter192 and written a letter to them and yet to receive a response from them,

also asked for the written confirmation about the setting off the debt to Arrow Global.

 

Even though FOS says they cannot offset to a different company but Monument insists they can,

i am thinking of putting in a claim to get the balance, i shall be sending in LBA's soon.

 

Any advice on this matter is much appreciated.

Thanks

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no harm in ringing the FOS now and asking their opinion.

 

 

they might help before you need to pop their FOS CQ into them

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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  • 7 months later...

HI guys

I have recieved an email from the fos adjudicator and they have told me that Monument has not done anything wrong by offsetting my debt even though they it is not owned by them?

 

this is new for me as i have read in the forums they cannot do it but the fos agrees they can,

 

can anyone help as i have to prepare and fight for this one, the letter that i have received from fos the text is below

 

""your complaint about R. Raphael & Sons Plc (trading as Monument)

 

Thank you for waiting while I’ve been looking into your complaint.

 

I’ve now looked at all the information that you and Monument have given me.

 

Based on what I’ve seen, I don’t think that Monument has done anything wrong – so I’m not asking it to do anything else.

I’ve explained why below.

 

your complaint Monument paid you a refund for the Payment Break Plan (PBP) attached to your account.

 

The refund was applied against your debt, which is now owned by Arrow Global.

The surplus was paid to you by cheque.

 

You believe this falls out of this service’s guidelines, and that the whole refund should be paid directly to you to pay off “as required or as I see fit”.

 

You’re also unhappy that Monument has not followed this up in writing after discussing the matter over the phone with you, and that it has not provided confirmation of tax paid on the refund.

 

I can only consider the complaint about Monument.

my findings

The guidance that you are suggesting Monument is in breach of is an issue of Ombudsman News dated September/October 2004.

It does not concern refunds.

 

Your assertion that Monument’s final response letter dated 9 November 2016 “admitted the Payment Break Plan was mis sold” is incorrect.

 

Monument very clearly stated at the top of that letter that “Without admission of liability, and as a gesture of goodwill, we are prepared to adjust your account”.

 

So Monument’s offer was made as a gesture of goodwill.

That’s important.

 

It’s quite possible that this PBP was not mis-sold and that you should really not be due any refund.

 

Indeed, I’ve not seen any information suggesting that you were mis-sold the PBP.

 

So it is to your benefit that Monument has refunded you these amounts as a gesture of goodwill.

 

Do I think that Monument acted unreasonably in offsetting the debt? Not at all.

 

It’s worth noting that in accepting this offer you agreed to the terms of it – most specifically, that “Any adjustment is offered without admission of liability and as a gesture of goodwill.

No conditions can be placed on the offer by any other party.

Any monies still owed from the original debt will be offset by the adjustment”.

 

But even without this cause, I can’t agree that Monument has acted unfairly.

 

Firstly, it’s paid you a refund that as far as I can see there was no reason for it to pay.

 

Secondly, this has benefited you.

It has not only cleared your debt but resulted in a further payment direct to you.

 

Monument has not acted at all unreasonably in paying the refund this way and I will not be asking it to do anything else.

 

Monument’s position is set out very clearly in its final response letter and was further explained to you by telephone.

 

In that sense, I’m satisfied it has addressed your queries.

 

Concerning the tax paid on the refund, this is very clearly explained on Monument’s final response letter.

 

I’ve included the relevant sections below:

what happens next If you don’t want to take your complaint further, you don’t need to reply.

 

But if you don’t agree with what I’ve said, please let me know why by 25 August 2017.

 

I’ll look at any new information you give me and let you know what I think.

 

If we don’t hear from you by 25 August 2017, we might not be able to look at your complaint again.

 

So if you want to reply but you think you’ll need longer, please tell me as soon as possible.

 

In every case, both the business and their customer can ask an ombudsman to make a final decision.

 

If you have any questions, please get in touch.

Yours sincerely""

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then you now need to prove it was mis-sold, in otherwords they were wrong to levy it upon you.

 

 

look at the T&Cs of PBP and find where you are not entitled to it. you did not meet the requirements.

 

 

that way it will over turn the GOGW and then they must refund you directly.

 

 

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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