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    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
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Screwfix personal guarantee issue


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Dear all,

I mistakenly filled in a credit application for Screwfix in 2013 for a trade account (for a company I used to work at).

This company has recently gone into administration and I have been sought after to settle the outstanding amount (nearly £1000)

- as apparently the credit application doubled up as a "personal guarantee".

 

Their credit app was not clear to me & it was blurred out and photocopied on a number of occasions. (yes I know I shouldn't have signed something I couldn't read) In addition I resigned and left the company in 2014.

 

How can two different legal entities sign a credit app (as director) but also as personal (for a guarantee - without it being made clear?

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Are you able to get a copy of the document which you originally signed? Send them an SAR immediately.

 

– And yes, it was pretty silly to sign anything without understanding the contents. Especially if you were a director of the company involved.

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Useful threads...same subject.

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=screwfix+personal+guarantee&sa=Search+CAG

 

Thread moved to General Legal Issues Forum.

 

Andy

We could do with some help from you.

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hopefully have attached their credit app off their website (

 

 

the signed application was scanned and emailed back and I have signed it - I would rather not show here if you don't mind. The application that was signed looks very similar but they have made their PG bit in bold now. (still very small writing however)

Trade_Acc_Application_23_09_10.pdf

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Dear all,

I mistakenly filled in a credit application for Screwfix in 2013 for a trade account (for a company I used to work at)........

 

"By signing this application form you accept that:

 

G: If the organisation in whose name the Trade UK Account will be held is (a) a company and you are a director of the

company, or (b) a partnership and you are a partner in that partnership, you will personally guarantee performance of all of that organisation’s current and future financial obligations to

Trade UK (including any subsequent increase(s) in the credit facility extended to that organisation)."

 

 

Were you a director?

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Yes, but the point of asking you to post it up was precisely to see how blurry and indistinguishable it was because that seems to be an important part of what you are telling us.

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I wanted to get some advice on it first

 

See post #3 above

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Click it again..or type Screwfix in the Advance Search option (under the Logout Button top right)

We could do with some help from you.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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