Jump to content


steven4064

Steven4064 - v - BrightHouse***WON***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2665 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I know this set of threads is about bank charges but Brighthouse (formery Crazy George) makes extortionate charges if payments or late on hire purchase agreements. Presumambly, these also are illegal. Has anyone started (completed) proceedings against Brighthouse to recover charges?


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

the charges are unlawful not illegal. what sort of amounts are we talking, BTW?


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

I guess a few hundred pounds


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

what are the individual costs


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

I don't know yet, we are probably going to send an SAR to find out. I think there may be a problem depending on how BH manage the account - whether it is one account or several. When we've been late paying (Monday rather than Saturday) they've slapped on charges of about £30 but this is so much per item for several items. It's one area where we could do with some advice. We will proabbaly send in the SAR anyway, we can always just not proceed.


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

THis is the SAR letter we are thinking of using

 

[my address]

 

[date]

 

[bH address – local shop?]

 

Data Protection Act 1998 - Subject Access Request

Dear Sir/madam

 

 

ACCOUNT: xxxxxxxxxx

 

 

Please supply me with a complete list of transactions and charges relating to my account with your organisation since December 2000. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

Yours faithfully,


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

get the SAR - you will be in a better position with it


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

send it to head office

 

BrightHouse, Chiltern House, Marsack Street, Caversham,

Reading RG4 5AP


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

We'll get it in the post on Monday. Thanks for your help (so far!)


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

come on reds!!


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

BTW: do you like my avatar - it's me holding an octopus - appropriate, I thought!

 

 

 

 

 

 

(avatar changed - justin case you thought you were going mad!)


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

its not clear - i thought it was a picture of saturn


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

Also, I never thanked you for your congratulations on our win over Charlton


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

anyone can beat charlton - try beating barca


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

Share this post


Link to post
Share on other sites

SAR sent off - let's see what happens next


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

Hello.

I have had many dealings with Brighthouse over the years, and may be able to offer you a little advice. Brighthouse have been described as “bullies”, but like any school bully, if you stand up to them THEY WILL BACK DOWN!

Some years ago I got myself into financial difficulty and, as a result, my ability to obtain credit became seriously impaired. Therefore, I now have little or no choice than to use stores like Brighthouse for larger purchases. Although I am relatively happy to accept that I am now considered as part of the “sub-prime” market (and have to pay more for credit), this does NOT mean that statutory consumer law does not apply to me!

So, if you DO use Brighthouse, here’s a few tips on how to deal with them…

1 – “OPTIONAL” SERVICE COVER

Cancel any “Optional” Service Cover policies you have now! Because:

a) the service cover was most likely applied automatically without giving you the option to choose whether you required it or not, and

b) the service cover is extremely over-priced and represents very poor value for money when compared to a typical manufacturer’s own extended warranty as the following examples show.

Hewlett Packard Extended Warranty - Available upon registering a new Hewlett Packard product or at the end of the manufacturer’s 12 month guarantee period

A single one off payment of £88.99 which provides an additional 2 years of cover to the initial 12 months guarantee period, giving a total of 3 years cover. This cover includes collection and return, all parts and labour and a brand new replacement product if any repair is not completed within 28 days

Caversham Finance (Trading as Brighthouse) “optional” service cover

104 weekly payments of £5.77 (total £600.08) providing service cover for the 2 year duration of the agreement. (As Hewlett Packard guarantees all new products for the first twelve months regardless, this figure only represents one year of actual extended service cover. The cost of this cover is extortionate and, quite simply, cannot be justified.

Of course, “Optional” Service Cover isn’t really service cover at all. As we’ve already established, all new products are subject to a 12 months manufacturer’s warranty anyway, and any volume purchaser like Brighthouse will be able to negotiate massive discounts with outside service agents for any repairs that may occur at other times. No. “Optional” Service Cover is really a thinly disguised payment protection plan that protects the interests of Brighthouse and NOT you!

Brighthouse also appear somewhat confused over the term “optional.”. My interpretation (having studied my terms and conditions) is that service cover is an “option” to purchase at the time of the initial agreement and cancellation thereafter will require 7 days notice. However, Brighthouse staff have been instructed that “optional” means the option not to purchase the service cover can only be exercised at the time of the initial agreement and, furthermore, cannot be removed thereafter!

This is a complete lie. Service cover is optional and can be removed at any time. Of course, an attempt remove it will invoke fierce resistance from Brighthouse! Store managers have been briefed by their area managers regarding this “growing problem” as more and more customers are getting wise and seeing through the con that this service cover is! You can thank forums like this one for that!

Put a request in writing to your store (and to head office). Once this has been done the store MUST comply with your request. Quote your terms and conditions:

“Your Obligations: Optional Service Cover

Section C (b) The service cover premium is renewable each time your regular instalment is due under the agreement. If the premium is not paid Service Cover will lapse.

Section H (3) This policy shall continue in force until you give seven days notice…”

You may also like to quote this extract from a transcript of the BBC 4 programme, “Money Box.”:

“BrightHouse is the trading name of a company in Reading, Caversham Finance Limited. It refused requests for an interview, but in a statement said:

STATEMENT: All charges, terms and obligations in every agreement we make with our customers are explained in easily understood language in a personal presentation in store before the agreement is signed. We then test customers on their understanding of the agreement. The optional insurances offered and accepted by this customer were clearly explained and the customer had every opportunity to cancel either at the start of the agreement or at any time during it…”

2 – YOUR STATUTORY RIGHTS AND THE SALE OF GOODS ACT

If you have successfully removed any service cover from your agreement, and the goods then develop a fault, don’t be fobbed off with any rubbish that repairs have to be paid for and the responsibility lies with you. So long as your product is less than 12 months old, has been used correctly and in accordance with the manufacturer’s instructions, then Brighthouse have a LEGAL duty to comply with the sale of goods act and either refund, replace or repair (dependant upon how old the goods are) as necessary.

A few years ago I purchased a TV which, from the word go, was substandard and had several annoying (though not particular major) faults. The screen geometry was sloping from right to left – not a lot, but way outside of the manufacturer’s tolerance levels, and the set had an annoying low-level buzz all the time it was switched on. Now then, had I have purchased this particular TV from a discount store (or, perhaps a sale or end-of-line reduction promotion) I would have probably “lived” with the faults. However, this TV was sold to me at “top” price, and for the price I was paying I wanted a perfect product. Fair, would you say?

Apparently not! I reported the faults to Brighthouse straight away, and eventually I received a service call from two gorillas in dirty overalls. These were the same two gorillas who delivered the set a week or so earlier! After a few grunts, a large amount of muttering I was treated to:

“F*** all wrong with it, mate! I think you’re being a bit fussy, ain’t ya!”

Needless to say, I stood my ground and insisted the set was unsatisfactory and I wanted a replacement. It was duly taken away (I was left with a portable TV as a “loaner”) and it subsequently spent three weeks at the local store gathering dust!

After a month had gone by (throughout which time I was still PAYING for the thing) I enquired as to where my replacement set was. I was told that the manufacturer needed to check the set first. Another month went by – and another month of payments!

Eventually, I received a technical report from the manufacturer. Basically, they were disappointed that I was unhappy with the set, but insisted no “repairable” fault could be found! The set was eventually returned to me – in the exact same state it had left…albeit considerably more dusty!

Brighthouse suggested I should commission an independent engineer to inspect the set. This I did, and as it was their suggestion, sent them the bill – which they paid! The independent engineer confirmed the set was faulty and not of “merchantable” quality. The screen geometry was outside the manufacturer’s tolerance levels and there was an “earth leak” somewhere on the power supply causing a 50hrz mains loop buzz!

Upon presentation of my independent report, the store had no option other than to replace the set with a different model…

But… What about the money I had paid on the original set? In the time it had taken to sort things out, I had made over £140 in payments! Brighthouse very generously offered to credit me with half of that amount! I insisted on a FULL refund and nothing less!

Bet you can’t guess who won? ;-)

3 – HIRE PURCHASE

When you enter into an agreement with Brighthouse, you are entering into a HIRE PURCHASE or CONDITIONAL SALE agreement. This means that ownership of the goods remains with Brighthouse until the end of the agreement.

However, this does NOT mean that Brighthouse can just stroll into your home and remove their goods if you get into difficulties. First they must issue you with a default notice. This notice must be in writing and NOT just a threatening phone call. THEY CANNOT FORCIBLY ENTER YOUR HOME UNLESS YOU LET THEM! To forcibly enter your home they MUST first obtain a court order – and in order for them to obtain one you would have the right to put your case forward in court and, perhaps, be granted time to pay. If you have paid more than half of the instalments on your agreement, any court would be inclined to allow this and force Brighthouse to comply.

Basically, you should ignore and disregard anything Brighthouse say to you UNLESS IT IS IN WRITING!

4 – YELLOW MONEY

Brighthouse have a system they call “yellow money”. How it works is like this: When you make a payment you are encouraged to round up and leave any excess (your change) in your account. This amount is then added to “yellow money” – a separate account in your name. These amounts can soon add up, and before you know it, you have a decent sum saved! I know a woman who saves for Christmas this way! Brighthouse DO NOT pay you any interest on this money – however, you CAN withdraw it at any time!

THIS IS A BLATANT RIP OFF AND POSSIBLY ILLEGAL!

Brighthouse claim to have in excess of 100,000 customers – and plan to open around 15 new stores next year! If every one of those customers just had £1 in there “yellow money” account that is £100,000 of “free” money that Brighthouse can invest – yielding some £10,000 a year in interest FOR THEM!

5 – CONCLUSION

Brighthouse target the poor. Fact! They also know that 100% of their customer base is “sub-prime” – people who can’t get credit by other means. They know that an average customer will just be happy knowing they’re getting some credit and WON’T rock the boat or demand their rights. Brighthouse know this – and that’s how their business works.

Sub-Prime does NOT mean Sub-Human. You have rights. You are the customer and you are helping Brighthouse turnover an annual profit of 130 million.

Thanks for reading!

Lefty

  • Haha 2

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

Share this post


Link to post
Share on other sites

Great post Lefty. I wonder if I can find a notice board outside BH where I can stick it up :D


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites
Great post Lefty. I wonder if I can find a notice board outside BH where I can stick it up :D

 

Thanks!

 

Please do!

 

 

Lefty


If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

Share this post


Link to post
Share on other sites

Had a phone call from the local store today (SRA sent to head ofice) saying they had had this letter from us forwarded from head office and didn't know what it meant! What did we want actually? Told them, and they said they didn't think they would be able to provid it, as all the records were destroyed when we closed the account (about a month ago).

 

Anyone know for how long they have to keep records of HP agreements?


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

Reading another thread, I realised I forgot to include the £10 - Doh!!!!! Can I just send it or do I need to start again?


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

Decided to kill 2 birds with one stone ....

 

" Further to my letter of 18 December, I realise that I forgot to enclose the statutory payment of £10. Please find enclosed a postal order for that amount with my apologies.

 

Also, yesterday I received a phone call from my local branch of BrightHouse regarding my previous letter. I would be grateful if you would communicate with me in future by letter rather than by phone.

 

Yours....."

 


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

I'm not 100% positive (but it's my guess there are people in here who are) that most companies follow the advice given to them regarding the Data Protection Act and keep customer, staff and financial records for a minimum of six years. This is standard practise which allows any company to respond to legal action they make incur.

 

This may be useful...

 

 

Registration Number: Z7324905

Date Registered: 20 December 2002 Registration Expires: 19 December 2007

 

Data Controller: CAVERSHAM FINANCE LIMITED

 

Address:

CHILTERN HOUSE

MARSACK STREET

CAVERSHAM

READING

RG4 5AP

Other Names:

BRIGHTHOUSE

This register entry describes, in very general terms, the personal data being processed by:

CAVERSHAM FINANCE LIMITED

 

This register entry contains personal data held for 5 purpose(s)

Purpose 1

 

Staff Administration

Purpose Description:

Appointments or removals, pay, discipline, superannuation, work management or other personnel matters in relation to the staff of the data controller.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Relatives, guardians and associates of the data subject

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Racial or Ethnic Origin

Religious or Other Beliefs Of A Similar Nature

Trade Union Membership

Physical or Mental Health or Condition

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Education, training establishments and examining bodies

Suppliers, providers of goods or services

Financial organisations and advisers

Central Government

Employment and recruitment agencies

Transfers:

None outside the European Economic Area

Purpose 2

 

Advertising, Marketing & Public Relations

Purpose Description:

Advertising or marketing the business of the data controller, activity, goods or services and promoting public relations in connection with that business or activity, or those goods or services.

Data subjects are:

Customers and clients

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Goods or Services Provided

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Business associates and other professional advisers

Suppliers, providers of goods or services

Transfers:

None outside the European Economic Area

Purpose 3

 

Accounts & Records

Purpose Description:

Keeping accounts related to any business or other activity carried on by the data controller, or deciding whether to accept any person as a customer or supplier, or keeping records of purchases, sales or other transactions for the purpose of ensuring that the requisite payments and deliveries are made or services provided by him or to him in respect of those transactions, or for the purpose of making financial or management forecasts to assist him in the conduct of any such business or activity

Data subjects are:

Customers and clients

Suppliers

Complainants, correspondents and enquirers

Data classes are:

Personal Details

Financial Details

Goods or Services Provided

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Central Government

Transfers:

None outside the European Economic Area

Purpose 4

 

Debt Administration and Factoring

Purpose Description:

The tracing of consumer and commercial debtors and the collection on behalf of creditors. The purchasing of trade debts, including rentals and instalment credit payments, from business.

Data subjects are:

Customers and clients

Relatives, guardians and associates of the data subject

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Goods or Services Provided

Offences (Including Alleged Offences)

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Business associates and other professional advisers

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Credit reference agencies

Debt collection and tracing agencies

Traders in personal data

Central Government

Courts / Tribunals

Transfers:

None outside the European Economic Area

Purpose 5

 

Provision of Financial Services & Advice

Purpose Description:

The provision of services as an intermediary in respect of any financial transactions including mortgage and insurance broking.

Data subjects are:

Customers and clients

Relatives, guardians and associates of the data subject

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Financial Details

Goods or Services Provided

Physical or Mental Health or Condition

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Suppliers, providers of goods or services

Financial organisations and advisers

Credit reference agencies

Trade, employer associations and professional bodies

Central Government

Ombudsmen and regulatory authorities

Transfers:

None outside the European Economic Area


If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

Share this post


Link to post
Share on other sites

Thanks Lefty. They certainly won't be able to say that they don't have data of the sort I want.


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

Didn't need to start again. Sent £10 but got no reply. In the end found an e-mail address at Caversham and they got on to the branch.

 

However, the branch manager is not happy to release the data "until he has spoken to the area manager" thus taking them well over the 40 days DPA limit.

 

We've given them 14 days to get their act together before going to the Information Commissioner.


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

Quick update:

 

I also sent a "clarification" e-mail enclosing their DP registration (helpfully supplied by lefty) and telling them just which information we required.

 

Eventually, today we recieved (although we had to go to the store 7 miles away to colllect it and provide proof of ID) copies of all till receipts, all agreements and printouts of computer screen records for all agreements too.

 

Put the data in the spreadsheet, turned the handle and calculated that they owe us just under £500. Initial Reqeuest for Repayment going out Monday.

 

Steven


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...