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    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
    • Apologies for the prolonged radio silence!   To cut a very long story short, I went back to Barclaycard (because I bought the car with my VISA card) and they offered to repair the car at a cost of £2500.   We accepted the offer because we were advised that even if we went to court and won the case, there was no guarantee that the dealer would give us our money back anyway or would end up paying us £10 a week for the next umpteen years.   The decision to have the car repaired was also made in the light of the fact that apart from the gearbox issue the rest of the car was in good nick. It is running fine after nearly 4 months now, so even if our friend gets a few more years out of it it will have been worth it.   Now that it is all settled I can reveal the name of the dealer - it was Thatcham Motor Company, in Thatcham, Berks. Very pleasant to deal with at first whilst everything was ok but boy oh boy, beware if anything goes wrong!   Similarly Momentum Warranties who provided the 6 months "warranty". On paper this warranty apparently covers practically every conceivable fault that the car might develop until you try to make a claim!   It seems that only if a component physically breaks that any cover is provided, otherwise they will hide behind the "fair wear and tear" get-out clause. Can an ECU unit be subject to wear and tear?   I would not touch either of these outfits again with the proverbial barge pole. Buyer beware!   One further thing I forgot to mention. We ran up considerable expenses trying to sort all the issues - the engineer's reports, travel costs etc.   Is it too late to try to claim these back from the dealer now? I just ran out of energy by the time Barclaycard agreed to pay for the repair but now the dust has settled I am up for it again!   Would this have to be done via the Small Claims Court?
    • no rush yet not due for 3 weeks as per andyorch's information above   i'm sure we'll get time before then.   dx  
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I had credit card with saga,they no longer deal with allied Irish bank so they have sold the card.They are now using a debt management company to collect payment.

the information has been appalling.No longer can we pay minimum payment or just above.

They treat is as a fixed payment.

 

For example my monthly payment this month 115.00 they suggested 200.00.Also they class this as an arrangement to pay and have sent I and e form.

i have never missed a payment or been late but now fee, they think I cannot afford my finances.

 

What are my rights can anyone enlighten me please

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you mean its been sold to a DCA.

who

when did you take the card out please?

 

 


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Sorry naive on links etc how would I provide a link 

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It has been outsourced to link financial they are a DMC  

They seemed surprised when I refused income a d expenditure and that the account is  not in arrears. Saga just happened to stop dealing 28 th March 2019 day before Brexit.

To top it all I they said they would,d collect the last payment to them 29 May 2019, my due date is 5th so I called them 3rd June said I hadn't heard from new company and didn't want to be recorded as missed payment. They refused the payment stated I needed to wait for contact then marked me as overdue payment. That cant be right.

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why do you need to link something?

 

answer post 2 q's please


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stop calling a powerless DCA!!

 

they are not bailiffs

when did you take this card out?

did you get a notice of assignment?

 


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No notice of assignment just a letter saying they were stopping their dealings with allied Irish bank.

 

Took card out about 6 years ago

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so how come link have gotten ahold of it then?

 

sounds like saga has sold your debt to LInk 

they are a debt buyer

have you any letters from link at all?
 

 


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And they have zero rights to be demanding anything from you. The only people legally allowed to ask for an income and expenditure sheet from you are the courts, council tax or HMRC. Certainly not some jumped up call centre like Link Financial.

 

That is why you should never ever speak to them by phone, their agents have training to intimidate people into making commitments that are not in your advantage, and they have no legal right to be doing.

 

 

 

 

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If I can explain,

Our Saga credit card has run as Normal.

Saga used allied Irish bank.

 

Saga sent a letter in January saying as from 28 March 2019 they would no longer be using Allied Irish Bank and that they would no longer be servicing the card.

At that time they did not know who they were handing the card over to.

 

After many telephone calls to them we received a letter middle of May 2018 stating it had been sold to a company LRC who use an out sourcing company to collect payment. They said the last payments that SAGA would collect would be 28 May from then on we would pay the new company.

 

I called Saga and asked how to make my payment as it would be due on 5 JUne 219.

They said wait for the new company to make contact as the new company would be taking over the payments from 11 June 2019.

 

I pointed out that this would make me behind by 5 days, I was told not to worry it wouldn't go against me.

Then I get a statement 2 days later with a missed payment on.

 

I called again and was line was dead I called the main Saga line.

I was given the number the new company which I called.

 

This was apparently Link Financial who went straight down the route of DMC saying they could make a payment arrangement.

I was indignant said NO not a payment arrangement I just want to make a normal payment, I was not in arrears or missed payments.

They took my monthly payment then told me this will be a regular fixed amount until the balance clears.

 

Then I get a letter stating this arrangement is for 12 months subject to financial review and another letter suggesting £200 per month. 

 

This is now as far as I am concerned being treated as a loan and I am worried about my credit file being affetected.

There is no assignment letter etc.

I realise firms can assign loans however to change the payment type amount etc cant be right.

 

Looking for pointers how to handle.

Feel like going to watch dog

 

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Well Link are not a creditor...so the agreement has now been terminated and only valid for payment only...you exiting payment arrangement still stands as per terms and conditions of the Saga agreement....5% as a minimum payment or whatever.

 

Saga should have notified you in writing that the agreement has been terminated and the amount assigned to link.


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