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    • **IMPORTANT**   Your first request to a company for information is never chargeable. It is only subsequent requests that are chargeable if there is no fault on part of the Data Holder (IE - They included everything but you have requested more that should have been requested 1st time round.)
    • Can I see the loan docs? It should have a company number and everything. Remove personal info.
    • Vollah - Fill me in and send SAE & Email the below;       Jes is big boss. Matt is head of UK Retail Banking. Michael is head of Compliance and will have a vested interest to resolve this for you as Barclays havent been compliant.    Caroline is head of the FOS - She should also be notified so it gets filtered down to her lower teams.    You are done messing around at this point. However do NOT send this unless you are prepared to go Legal on it. Barclays LOC.docx
    • she  has just shown me the loan agreement  and the company is regulated, all laid out      decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking:   I told her to sort it out herself as got enough to do myself, sorry
    • I'm a little confused. You have told us that you served an SAR on 9 January and you have heard nothing other than acknowledgement until yesterday when they told you that there was going to be a delay. However, elsewhere you have told us that they contacted you and demanded a £10 fee. Please could you clarify this.   I see that you have made a complaint to the ICO.  The only problem is that since GDPR, the timescales for the ICO dealing with consumer complaints has increased catastrophically.   If you make a complaint to the ICO, you will have to break their arms in order to get a reference number and then eventually when you do, they will then inform you that after the issue of the reference number it will take anything from six weeks to 3 months before the complaint is even allocated to an investigator.   Before GDPR there was a much smaller level of complaint, you would normally get an email within six weeks expressing an opinion that such and such company were unlikely to have complied with their data protection obligations.   Personally I think the GDPR has backfired. I don't think it has changed anything other than opened a deluge of complaints to the ICO which because the ICO is under-resourced, has played into the hands of the companies because they are even less worried than before about complaints being made about them because by the time the complaint is looked at, the complainant is fed up or has forgotten about it and anyway, or the matter they are dealing with such as a complaint against a bank or against a utility company has moved on.      
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Energy prices to increase for millions as Ofgem raises cap

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More than half of British households are set to see an increase in the cost of energy in April after the regulator, Ofgem, raised price caps.

Ofgem sets maximum prices that can be charged for gas and electricity to those who have not switched suppliers and are on default tariffs.

The new cap could see these households typically pay an extra £117 a year.

The regulator is allowing suppliers to cover the higher costs they face on the wholesale market.

"We can assure these customers that they remain protected from being overcharged for their energy and that these increases are only due to actual rises in energy costs, rather than excess charges from supplier profiteering," said Dermot Nolan, chief executive of Ofgem.



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