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    • Thanks dx.   So a little update on this. Court awarded me a CCJ against this company, and I've been chasing them for a year now. Registered address changed to a lawyers office in London. I contacted this law office numerous times, and eventually one of the directors emailed me back and confirmed Payza was indeed their client and that they were not aware of any CCJ. So I sent him all the court papers as well as a copy from Trust Online about a month ago. So far the lawyers have ignored me further.   Now I'm looking at a way to perhaps do a third party debt order against their bank account. I know they had money in the bank account. The director had since been arrested in America after my CCJ against the company.   Am I correct in thinking I have to pay the fee and it gets added on to the CCJ amount? I'm about 75% sure I know what banks they were using, but don't want to waste the money on fees to be told they don't use that bank.   Is there a way to get their lawyer to say which bank they use?
    • Apologies in replying, I was up for 30 hours and had to catch up on sleep. And I don't have my laptop right now either.    I already sent in the defence on Tuesday  as that was the only day I could before the 24th. I did use the defence from CAG, I did try rewrite as best as I could removing a lot of the waffle, making the set points with the evidence.    When I hear from the court next - I believe a questionnaire and direction of some sort- I will update you and see what the next steps are.    Thanks a tonne!! For all of your advice! I wouldn't have been able to even get close to what I have with setting aside the ccj and the defence without you. I am very lucky to have the help I've been given from you all out of your own time. You are awesome!
    • this is a normal contract for when you forget your wallet and fuel up your car and then promise to pay them later. If you return righ5t away you dotn pay any extra and you can even demand your paperwork back from the garage as they then have no lawful reason to process it. Now is it a fair contract? well, yes and no, if you dotn have the means to pay for your fuel before you fill up then you are committing a criminal offence by doing so but as i many cases of this nature the company would rather farm all the aggro out to a third party who then screw you out of money rather than invoke the available law. So, as you werent offered the contract to consider before you fuelled up then none of it is enforceable and the petrol companies should get their heads around this rather than allow the third party just coin money out of the unfortunate or forgetful   what I fail to understand is why you didnt just pay for the fuel with the card that you were going to use to get the cash? As for the rest of your story listing your afflictions , that doesnt make any difference to a contract, if you are not capable of entering a contract you shouldnt be driving either.
    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
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    • 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.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

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Hello, 

I couldn't find the right forum for this - so please feel free to move it.

 

I want to send a SAR to a voluntary organisation that I volunteered for for over 6 years.

Recently they changed their policies and have been making things very difficult for me and I've decided to leave.

But I want to know what information they hold on me.

 

Do I send them the SAR by Bankfodder that is in the debt forums?

Can I e-mail it instead of sending by post (do I have to sign it?).

 

 

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You could certainly send a copy by email – but of course they are entitled to verify your identity. It might be easier and more straightforward simply to send the request in writing, signed with your usual signature which presumably they are familiar with.


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Thank you - it would be an e-mail sent through the official organisation's e-mail system that only members have access to, and they have been liasing with me via e-mail recently. Are they entitled to request I sign the SAR? As I would prefer not to sign anything. 

 

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Find out who the data controller is and send it to that email.

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Hi, I received this reply today to my dated, signed SAR. I also sent a PDF of the SAR to the people manager via e-mail using the internal e-mail system, and it's been acknowledged so they know it's from me. They are clearly messing me around. 

 

"Dear ****

 

RE: Subject Access Request

 

Thank you for your letter dated 15 May 2019, regarding your request for data, which we received on 20 May 2019. 

 

As you will be aware the timescale to process GDPR (Data Protection Act 2018) Subject Access Requests is one calendar month from the day after which we receive a request. Any personal data that we may hold on you will be sent to you within the permitted time frame. However, to note that before we release any data that we may hold we will need to confirm your identity to ensure that you are entitled to receive the data. 

 

If you have any further questions or comments relating to this matter, please contact us on *email address*. 

 

Yours sincerely, 

*scanned signature*

Name

People manager

Organisation

 

 

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I’m still not sure if this is in the correct forum but if it’s nitvcab it please be moved to the correct forum? Thank you.

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Hi.

 

What is nitvcab please?

 

If you like, we can move your thread to the data protection forum.

 

HB


Illegitimi non carborundum

 

 

 

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I suppose that there is a typo which means "not can".

If you really want to make a point then if you think that they have got enough information to identify you then you could challenge them in court but that will take time.

If you want to make things quick then you could simply send them the information they want.

It would help if you tell us which organisation you are dealing with

  • Like 1

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Thanks yes you’re right. 

It was a typo.

I’d rather not type it as it could be traced by them. It’s a first a i -d organisation. 

 

I’m confused about their wording. “However, to note that before we release any data that we may hold we will need to confirm your identity to ensure that you are entitled to receive the data. 

 

If you have any further questions or comments relating to this matter......”

THEY DO NOT STATE HOW THEY INTEND TO CONFIRM IDENTITY or what will happy next.

Edited by thedryad

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From what I've read, it isn't unusual to ask for proof of ID, but I can see you need more information from them about confirming that.

 

Is it possible to ask them how to prove your ID?

 

HB

 

 


Illegitimi non carborundum

 

 

 

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do you not still have your ID card etc etc.

if its whom I think it is and you are thinking of switching 'sides' shall we say .....you are not alone!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

 

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Hi

 

They have acknowledge receipt of your SAR so irrespective that they need to confirm ID the 30 days has started for them to comply with your SAR request.

 

As for the ID, I would simple do as you initially did to request this and ask for clarification as to what they require to confirm said ID.

 

Dear Data Controller

 

Reference: (if a ref given in their letter put here)

 

Further to your letter dated XX/XX/2019, I require further clarification exactly what information you require if you need to 'Confirm my Identity' as this information has not been provided in your letter.

 

Yours Sincerely

 

 

 

 

 

 


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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