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    • Thank you for the reply.No, he still lives there.   
    • What I would love to know is whether anyone has gone the small claims route for infringement (failing to supply all the data)...I'm going to start a fresh thread asking this now.... By the way, my former employer asked for a £900 fee to find all emails with my name included in them. I have had a rather tumultuous 11 months since then but am now back on this so will report them to the ICO tomorrow. 
    • might have been the same address althrough the mortgage but has he moved since?   if not doesn't need ctax copy.    
    • Also, I use 'Live chat' with the ICO and it's really helpful. They advise that it can take up to three months for them to investigate...but it is hugely beneficial to go to court with that judgement behind you! Best to be safe than sorry!   I had this helpful post from mrabody on my other thread regarding quantifying compensation: Take a look at Halliday v Creation Consumer Finance Limited. The claimant was awarded £750 for distress for what the court held to be a minor breach.    https://www.hempsons.co.uk/news-articles/damages-distress-awarded-breach-data-protection-act/   In your case I would suggest the breach is considerably more serious as HSBC has lost your data.   They think it may have been destroyed but they have no proof. The fact is they have no clue as to where it is or who has it.   So in addition to the potential loss of your PPI refund I think the distress component is considerably higher than in Halliday. How much higher I cannot say - but you need to start canvassing the case law on damages for distress.   
    • Hi King 12345,   I'm running a similar thread (but haven't used the word punish...but I guess I should have, Lol)   I've been doing a lot of research on this and I will post two items that you may find of help. I believe they have 'infringed', rather than 'breached':   Link here, text below: https://gdpr.algolia.com/gdpr-article-82 Art. 82 GDPR Right to compensation and liability Any person who has suffered material or non-material damage as a result of an infringement of this Regulation shall have the right to receive compensation from the controller or processor for the damage suffered. 1Any controller involved in processing shall be liable for the damage caused by processing which infringes this Regulation. 2A processor shall be liable for the damage caused by processing only where it has not complied with obligations of this Regulation specifically directed to processors or where it has acted outside or contrary to lawful instructions of the controller. A controller or processor shall be exempt from liability under paragraph 2 if it proves that it is not in any way responsible for the event giving rise to the damage. Where more than one controller or processor, or both a controller and a processor, are involved in the same processing and where they are, under paragraphs 2 and 3, responsible for any damage caused by processing, each controller or processor shall be held liable for the entire damage in order to ensure effective compensation of the data subject. Where a controller or processor has, in accordance with paragraph 4, paid full compensation for the damage suffered, that controller or processor shall be entitled to claim back from the other controllers or processors involved in the same processing that part of the compensation corresponding to their part of responsibility for the damage, in accordance with the conditions set out in paragraph 2. Court proceedings for exercising the right to receive compensation shall be brought before the courts competent under the law of the Member State referred to in Article 79(2).
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collybs

Motormile buy CFO loan book

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The amount that CFO were claiming was £940 - Motormile are now claiming £32.67. I probably will pay this to bring the matter to a close.

 

 

OUR REFERENCE: M4591793

CURRENT OUTSTANDING BALANCE: £32.67

 

Welcome to Motormile Finance UK Limited (MMF).

 

Dear xxxxxxxxxxxxxxxxxxxxx

 

We write to inform you the CFO Lending Limited was placed into administration on the 6th of April 2017. Paul Boyle and David Clements of Harrisons Business Recovery and Insolvency Limited, were appointed joint administrators and your CFO account 223644 has now been sold to Motormile Finance UK Limited (MMF). Click here to download your goodbye letter from CFO Lending, please note you will need to enter your date of birth.

 

Whilst the conditions of your account will not change we are pleased to advise that, upon purchasing your account, we have removed any remaining interest, fees and charges from the original agreement. The balance noted above is therefore now your original loan amount less any payment you have already made to CFO Lending.

 

We have allocated a new reference number (shown above). If you have more than one account with us, the customer reference number should now be used in all future correspondence or contact with us for all of your accounts. Please find a breakdown of the accounts you hold with us below:

 

Original Lender Name

Reference

Amount Outstanding

 

CFO Lending 223644 £32.67

 

The transfer assigns all of CFO's rights as the owner to Motormile Finance UK Limited. Your legal rights will not be affected by this transfer and future contact should be made directly to MMF.

 

The effect of the legal assignment is that MMF now own the debt and perform all obligations as stated in your agreement, this includes the collection of any outstanding balance.

 

We wish to ensure the smooth transition of your account to us and using our expertise, our intention is to understand your current financial position and agree a suitable repayment plan that is affordable based on your circumstances.

 

You can securely manage your account online by visiting and follow our simple registration process. Alternatively, you can complete a payment mandate here and return to or to discuss your payment options please contact us on 0113 887 6876.

 

If for any reason you believe any of the information we hold for you is incorrect, you should let us know immediately.

 

Your statement of account will follow shortly, we look forward to hearing from you within the next 7 days.

 

Yours sincerely

 

Motormile Finance UK Limited (MMF)

 

 

 

Please note: if you choose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products.

 

We are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated agreements.

MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307.

Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT.

 

EmailID:[3055189]

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