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    • Evening all, Due to some family issues and other things going on, I've finally got a bit of spare time to be able to attack this again. Please can I just check with you that the below is sufficient to send to the Coventry address (the aim, I believe, is to get the 'real' data that includes details of the PPI I had back in the late 90s, as opposed to the data I received when I sent a DSAR to the Canada Square)?   Harry Weston Rd, Coventry CV3 2SH 25th May 2019  Dear Sir/Madam GENERAL DATA PROTECTION REGULATIONS - SUBJECT ACCESS REQUEST     Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of when I started banking with you from 24 January 1996  to 2013.        For reference, some of my past addresses include the below: xxxxx   xxxxx   xxxxx     This Subject Access Request includes - but is not limited to any data you hold about me in respect of any matter and held in any form including; statements, notes, screen notes, recordings, internal correspondence and external correspondence. For the avoidance of doubt, and as stated above, this Subject Access Request requires disclosure of ALL personal data which you hold on me for the entire period of my dealings with you up to 2013 There is no applicable fee for this data disclosure – unless you feel that my request is manifestly unfounded, excessive or repetitive – in which case you have a duty to let me know without any delay. Under the new GDPR regime, you must satisfy this data disclosure request as soon as possible and in any event within one month. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return however, you are not entitled to impose any formality upon me or to require that I complete any particular form or template before you comply with your statutory duty. Further to this, I have attached two of your recent communications to me at my above address as proof of my identity. I also require you to confirm to me that you are processing my personal data, how you acquired it, for what purpose you are processing it and also to identify all the parties with whom you have shared it. You are required to provide this information regardless of whether you believe that the substantive disclosure satisfies the conditions which permit you to impose a charge. I also required to know whether my data has been subject to any automatic processing which has resulted in decisions or suggested decisions being made in respect of me. Also, has my personal data been used in any way to categorise me or to place me on any lists. If so please explain. Finally, I should remind you that you have a duty to make clear the meaning of any codes or shorthand which you use in relation to my personal data. If I do not hear from you then I will assume that this Statutory Request is satisfactory and that the one month timescale has started. If you fail to comply with all of your obligations, I will make an immediate complaint to the Information Commissioner about your statutory breach – and without any further notice to you. This may also lead to legal action in the county court and a judgement will then be forwarded to the FCA. Yours faithfully,
    • good  thanks for telling us the full story. its better we know where we stand always.   get the last CCA return up into ONE multipage PDF please read upload. don't post as JPG's to your thread please
    • The decisions were mine.  I had alot going on back in early 2011. We had a fire in our home office and my wife had just started a new job.  I was trying to get my head around my business which folded at the end of 2009 and what to do as well as look after 3 daughters 16, 14 and 11. That was when I decided to use a DMP and let someone else handle a number of c/card issues for both my wife and me. I stopped the DMP around April 2017 and then realised that I would stop paying and push to see who had a possibly valid CCA. Most of the cards have been sold on and there are no valid CCA's so are not enforceable but may raise their heads again. Cbot have decided that the size of this makes it worth trying for  suppose so that's why I'm ready to get this resolved now. Non of the CAG team have given an opinion on this recon CCA yet.   Will pick this up again on Monday as not around over the weekend. Thanks for your help.
    • I have a notice of enforcement, dated 26/4/19! This was the correspondence i received following my response to Harrow council detailing my difficult circumstances and requesting time to pay over installments.  Following receipt of this Notice of enforcement I had the visit just a few days after and before the said date on the letter.   I will do as suggested and contact my local Councillor.   Is it worth me sending a text message to the bailiff i spoke to?    
    • For a Civil Debt they would have to have a Controlled Goods Order with the items properly listed and a copy sined by the debtor. before they could apply to force entry.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Booked holiday with a friend and can’t go

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Hi All


Unsure if you can help and if this is the right section, but any advice appreciated. I have seen similar posts when I googled but not one exactly like it.


My wife agreed to go on holiday with 3 friends (a family) staying in 2 rooms but cannot make it. She has agreed to pay them for the flight which is non refundable but the hotel is refundable up to the night before the stay. It’s around £460 pp for 5 days. My wife cancelling means the other single will have to pay a room supplement at that hotel. They have 3 weeks before they were due to go.


As soon as my wife told her “friends” she couldn’t go they immediately they went off the handle and started threatening small claims before she even mentioned paying or not. At first I was saying “just pay it all”, but looking at some of these aggressive texts and now constant phone calls I’d rather not pay.


What is everyone’s opinion on the hotel?


It’s as much the moral as legal situation I am looking for.


This feels like something out of Jeremy Kyle, very petty and quite embarrassing. :)





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Very good, sympathetic friends!

The only thing they would be worse off is the hotel single supplement.

That's what at a push you could give them.

Then never contact them again.

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You certainly find out who your friends are!


So if your wife pays them the non-refundable airfare and the single room supplement the other 3 in the party will not have to pay a penny more than if your wife had been able to go? In which case just pay it, even if their behaviour about it has been childish. Their behaviour doesn't justify refusing to pay them, however tempting it might be. Take the moral high ground.


Then find some new friends :-)


Is the reason your wife cannot go something that might be covered by the Cancellation cover in a Travel Insurance Policy (if she has a policy)?

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And what would be their reason for going to small claims? Your wife said she will pay the airfare in full. The hotel can be cancelled and rebooked, so no loss there. They wont be able to sue for the difference between a current hotel booking and the new one.


But if the supplement is only small, i would say to just pay it if she doesnt want to deal with a drawn out legal challenge or them harassing her etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Thanks all


I think the supplement is basically the full payment.


I can’t believe their behaviour. Literally turned nasty. Wife is in bits. The way and language they are demanding the full payment makes loan sharks look passive!


As said I was going to pay it all as a goodwill and “hey we’re friends” but the way they are demanding makes me think that they can just go and cancel the hotel and rebook for a budget they can afford without my wife. I just wasn’t sure if there is any “loss” since they can cancel the hotel.

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If they are being extremely abusive and threatening i would think about calling 101. Since the hotel is can be cancelled without penalty, theyve suffered no loss and can get another hotel or room. After all, your wife has already agreed to pay the airfare in full, which would be a sizeable amount.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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who is saying the flight is not refundable?


moved to the holidays and airline forum



please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Remember that I got the flight taxes back on a non refundable booking.

It was the airline who contacted me, so probably they have to refund taxes even on non refundable flights.

Check that out.

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