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    • Have you suffered any loss from fraud?
    • Hi   I recieved the following email a few days back I sent a complaint but had no response or acknowledgement        Dear Me Unfortunately, I am writing to you to let you know that earlier this week we discovered that DivideBuy and its customers (including you) have been the victims of a cyber incident, which involved some of your personal data being accessed. I wanted to write to you as soon as I could, to let you know what we have discovered so far, and how we are going to protect you against any consequences of this attack. Details of the Data Breach In the last few days, since becoming aware of the incident, we have been working hard, together with external specialists, to make sure that all data is secure and that an attack of this kind cannot happen again. We have also established that within the information that was accessed it may be possible to identify: Name Date of Birth Address Telephone Number Email address Associated Alias Although some credit report information was also contained within the material that was accessed, this was not stored in a readable format and so is not likely to be able to be used by the person or persons who accessed it. Please be advised that the data compromised in the incident did not contain any bank account or credit card information.   Further Steps My primary concern, and the concern of everyone at DivideBuy, is to make sure that as far as possible you are protected from any worry or other adverse consequences as a result of this incident. In conjunction with TransUnion International UK Limited (“TransUnion”), one of the UK’s leading consumer credit reference agencies, we have therefore arranged a 12 Month subscription to TrueIdentity, an online monitoring service, at no cost to you. This credit monitoring service will notify you by email of critical changes to your TransUnion Credit Report.  Should you receive an email alert, you can review and validate the reported change by logging into the TrueIdentity portal. This allows you to identify any potentially fraudulent activity on your TransUnion Credit Report.   How to access TrueIdentity To take advantage of this service and help protect your identity, please visit:  https://trueidentityassist.creditview.co.uk And enter the following Secure Access code below before 30th March 2021: DVB1346 Upon successful completion of the registration process, you will have access to the following features: Unlimited online access to the TransUnion Credit report. Unlimited online access to the TransUnion Credit Score, with score factors analysis. TransUnion credit monitoring alerts with email notifications to key changes on a consumer’s credit file. Unlimited access to online educational resources concerning credit management, fraud victim assistance and identity theft prevention.   What should I do if I believe I am a Victim of Fraud? If you believe you are a victim of fraud, check your credit report and dispute activity via your TransUnion Credit Report that you do not recognise. TransUnion will then contact the Lender who has provided the data to make them aware that the data is possibly fraudulent. The Lender will then perform a fraud investigation and remove any data if they find evidence that fraud has occurred. You may wish to add password to your credit file as an extra level of security, so any lenders performing a credit search will need to request the password from you so they can proceed with the application. You can do this by adding a Notice of Correction (NOC), for free, to your credit file. You can do that by emailing [email protected] with the wording you would like to apply and include your full name, address, and date of birth.  Please bear in mind that Notice of Correction data is not shared across the credit reference agencies. You can also request a Notice of Correction to be raised with the other credit agencies too, please see their contact information below:    Experian Ltd: https://www.experian.co.uk/consumer/guides/notice-of-correction.html Equifax: https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/What-is-a-Notice-of-Correction1   You may also wish to contact Cifas, the UK’s fraud prevention service. They will be able to apply a Protective Registration warning on your credit file, for an administration fee.  To inform Lenders that you think your data could be at further risk of fraudulent access, so they can make additional checks to protect you moving forward.   The Protective Registration flag can be applied to your file with immediate effect by telephoning 0330 100 0180 (and must then be confirmed in writing).  You can also apply online at www.cifas.org.uk/pr_for_individuals. I, together with all of my colleagues at DivideBuy, truly regret any inconvenience this may have caused you, but we are working hard to put this right and to make sure that it cannot happen again.     Rob Flowers Chief Executive Officer   You are receiving this important information email because some of your data was on our database at the time of the data breach. You have NOT been added to our marketing lists or any other email list. We are sending this email to a list of people to provide important and urgent information updates about the data breach ONLY. You will not receive any marketing emails from DivideBuy unless you have signed up to receive marketing emails from us. If you wish to contact us regarding the matter you can contact us by post or email [email protected] www.dividebuy.co.uk Copyright © 2021 DivideBuy, All rights reserved. DivideBuy, Brunswick Court, Brunswick Road, Newcastle-under-Lyme, ST5 1HH, UK     I went on the dividebuy live chat and was told that dividebuy are not giving compensation for this breech, what can I do as this is causing me all sorts if worry now that my identity is going to be used in fraud, they have offered the 12 month transunion thing but I can't help but think this won't pick everything up on the dark web. I suffer from bipolar and I am really struggling to deal with it.   Is it worth me starting a County Court claim for damages or would I be wasting my time. Or would it be too early to start that and need to go through a certain route?   Tia
    • It was £229 DIGIHOME 32INCH HD READY SMART TV   Dx100 so ill have to wait for them to get back to me and then take it to a repair shop to diagnose the fault? Do you think there's any chance they might just replace it? It was only £229 which is not a lot to them but not an amount i can afford to just replace unfortunately.  
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Bt issues. Payment not taken for 12 months


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My son in law sent me this ....after some advice 

 

our Internet got turned off today (19th January)

I rang up and said hi can I make a payment and find out why it hasn't been taken out of my bank,

 

he said are you aware you haven't made a payment since February 2019.

I said no that can't be right,

 

I upgraded my package just over a month ago and they never said a word about owing money and just let me upgrade,

I haven't received any letter or indication that I owed any money let alone a years worth of bills!

 

I asked why no one had let me know sooner

he said we're not obliged to tell you that but said I had a valid point,

 

I asked if there's a way we can sort this out

he said best he can do is give me a good will gesture and take 1 month off,

 

I said I wasn't happy with that and we could pay half the amount owed now £380 and they would match the other £380 and wipe it off as long as I don't miss a payment for the next 6 months,

 

I accepted this offer even though I'm still unhappy purely because I need the Internet as self employed. 

 

They had cancelled the DD back in Feb,

I seriously had no communication from them and even upgraded a month ago.

 

They wanted nearly £800 

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£800 for one year??

what planet are you on?

 

i will guess this is residential Broadband not a business A/C?

 

however i do find it a bit strange that a self employer person does know when or not money is going out of your A/C

one month maybe, but to not spot 12mts of not seeing a BB bill smacks of poor financial awareness..

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It is residential.

Not long been self employed, and in between been employed.

 

Everything was set up by dd.

BT even let them upgrade the Internet 2 months ago, but did not refuse on basis bill not paid.

No letters, nothing and normally would cut you off after not paying for a month.

 

Yes they should check outgoings, but young couple, and everything by DD

They obviously realised they made a mistake by halfing it. Just wanted advice really 

 

I would also like to point out they are very financially aware, he earns good money, just didn't spot it wasn't coming out, nothing alerted him to the fact it wasn't 

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44 minutes ago, tr79 said:

They had cancelled the DD back in Feb,

I seriously had no communication from them and even upgraded a month ago.

 

i'd be sending them an sar get all the details and see if his bank has proof of BT cancelling the DD too.

then p'haps we can make a complaint......

 

£800/12 is about £67pcm - thats an expensive deal if this is for BB only and not phone as well & at what speed - i'd expect >70MPS for that deal...was it.?

 

the issue here is if it is for phone as well BT won't release the line till the debt is cleared if he wanted & should switch - to say vodafone at <£30PCM for the same deal.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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£800 pound WOW we

 

I find it hard to believe ruthless BT didn't ask for any monies for over a year and did not disconnect the line for a whole year, let the OP upgrade too !

 

Sounds like they could have signed up for paperless billing and not checked there Emails ?

 

dx100uk  is right OP will not get any more BB/phone services from another ISP until this is All paid up ...

 

"tag on the line"   https://tinyurl.com/y4tme6l4

 

 

 

....

Edited by 45002
url as ever

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Hi, 

Thanks for responses.

they wiped the other amount if the 380 was paid, now nothing owing.

Emails, everything been checked, no demands for money.

 

Typical after 6 months they would send demanding letters.

They had tv and Internet and during this period services were not cut off at any point.

 

Also credit report shows payments made on time and son In law checked this all the time to be vigilant on credit score and nothing alerted on there.

 

They have a decent income for a young couple so set up dd and did not feel the need to check .

He is a carpenter and only 25.

At no point were the alerted that it wasn't being paid 

 

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ok so coming out of this

the service is now restored and working ok and everything is good?

sorry if i've miss interpreted the outcome wrong..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes. But it was the face they wanted 380 upfront before restoring any services even though it is clear it was their fault. My son in law was in a position to pay, but others may not have been and this could have really impacted on them

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well use the sar info if you see anything and p'haps demand compo, though you say the bill was reduced anyway?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

So bit of an update

 

Below is email sent to BT. The issue is now not the money but the impact on them reporting to credit references unpaid since Feb

This was not showing on credit karma or experian,  who he has been with for a while,  but checked clear score tonight and it is on there as missed payments. I can honestly say they had no communication from BT. 

 

 

Please accept this as a formal complaint in regards to my account. I expect a quick response considering the impact this has caused.
 
I have been a customer with BT for a while. I upgraded my broadband around November 2020 time. At no point was I informed that there was an unpaid balance on my account.  My services were recently stopped and I called to determine the issue. 
 
I was informed that no payment to my account had been made since February 2019,  and the balance was £800. You can imagine my shock
 
I have had no service restrictions, no correspondence, no telephone calls or emails to alert me to an unpaid balance. 
 
When I called I had to pay £380 to get my services reinstated. At the time I felt I had no choice as a self employed worker who needed the Internet for work. I also experienced poor communication and had to call several times for money to be taken
 
Tonight I have checked credit report and BT have reported missed payments since Feb 2019 which has had an adverse impact on my credit, when everything else is up to date. This will impact on my business and ability to secure credit and I want this resolved as soon as possible. 
 
If this is not resolved to my satisfaction, with compensation for the distress this has caused me,   you can be assured I will take this to the ombudsman. 

 

 

 

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