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    • Ok this is weird. I have had an email from icl to make a claim on any loans that I have taken out due to irresponsible lending and yet the7 have sold it on. What should I do?
    • Thanks for the welcome Andyorch   dx100uk - I have had 2 previous addresses since coming back to the UK.   Does this mean I should not ignore?   
    • I would be inclined to rip their WS apart. That way, I doubt that VCS would wish to proceed to Court.  In paragraph 5 VCS claim they have full compliance with their Code of Practice for Private Enforcement and Private Land. Really? Can this be the same VCS that was issuing PCNs between 2013 and 2017 knowing that the signage there had not been agreed by Liverpool council and therefore the signage was illegal. Here is an open letter from the Parking Prank   Tuesday, 19 November 2013 An open letter to Simon Renshaw Smith of VCS parking regarding Liverpool John Lennon Airport   19/11/2013 Dear Mr Renshaw Smith,   I wish to draw your attention to the procedural impropriety in your operational activities on the approach roads within Liverpool John Lennon Airport.   You are actively operating under contract to issue civil penalty tickets (PCN’s) for traffic offences on the roads such as stopping at the roadside, whether for seconds, minutes or even longer, or for parking on the roadside verges.   You are doing so based on an allegation of contractual agreement for a breach of parking conditions and are actively sending out a notice to keeper in each case where you ask for the name and address of the driver. You are doing this under the provisions of the Protection of Freedoms Act 2012.   As you are no doubt aware, due to your many years of experience in emptying people’s wallets, where land is governed by byelaws the remedy for any breach of conditions of those byelaws is through the criminal courts, such as a magistrates.   Not only that, since the byelaws set an amount of penalty for failure to comply with them; a further amount based on your own assessment is unlawful at best and perhaps even fraudulent.   A set of the byelaws for the Liverpool Airport have now been obtained from a reliable source, Liverpool City Council,  which sets out the airport’s stance on roadway use, or misuse. It also lays down a penalty upon summary conviction for a breach of the byelaws of £5 for the 1st offence and a further amount of 40 shillings for a continued daily breach.   I put it to you that these byelaws govern the airport’s penalty regime for the alleged contraventions you are enforcing. In fact there is no penalty for stopping at the roadside. There is no offence committed so there can be no penalty unless it can be proven in a magistrate’s court that this action amounted to a failure under para 14: “Driving or placing a vehicle carelessly or dangerously or without due consideration for persons using the airport”   Para 18 gives notice that a “failure by the driver of a vehicle to comply with any direction for the regulation of traffic given by a constable or any person acting on behalf of the council or a traffic sign” will be subject to the penalty regime of the aforementioned £5 plus 40 shillings per day afterwards.   The mention of the traffic signs and the council's part in the overall monitoring means that the signs must be compliant to the TSRGD which are those shown for the public highways; not the ones arbitrarily stuck at the roadside by yourself which are meaningless in the context of the legal status of the byelaws.   Furthermore, POFA 2012 3(1)(c) states that Schedule 4 only applies on land on which the parking of a vehicle is not subject to a statutory control. It further states (3)For the purposes of sub-paragraph (1)(c) the parking of a vehicle on land is “subject to statutory control” if any statutory provision imposes a liability (whether criminal or civil, and whether in the form of a fee or charge or a penalty of any kind) in respect of the parking on that land of vehicles generally or of vehicles of a description that includes the vehicle in question.   The byelaws state at para 2.19 that the following act is prohibited. The penalty for this is a fine not exceeding five pounds.   POFA 2012 therefore does not apply, and you may therefore only pursue the driver and not the registered keeper. Moreover, you may only pursue them for the sum of five pounds.   Knowingly pursuing the registered keeper when POFA 2012 is an offence which the DVLA take extremely seriously and may ban you from access. The BPA wrote to you in their electronic newsletter this month reiterating this.   I put it to you, Mr Renshaw Smith, that your company is operating unlawfully at the Liverpool Airport site and ask what you intend to do since this has now been brought to your notice.   May I remind you that since this is an unlawful operation, you may well be required at some later time to recompense the amounts of the PCN’s already paid by drivers, and perhaps face tough questions in a court of law, not just a civil court.           Happy Stopping Briefly At the Roadside   The Parking Prankster   The Prankster would like to thank his source for the above   I am sure that you will find other examples of VCS not complying with Code of Conduct or the Law.   And of course VCS do not have the ability to take you to Court because you were a trespasser and only the land owner can take a trespasser to Court.          
    • Yes ...you have it confirmed by the court above that they requested a copy of the Order/Consent on the 2/08/2019....and then requested judgment on 21/08/2019 .
    • blimey J&P   I wonder how many more solicitor firms UAE creditors will try and use as a cheaper alternative to IRDWW and their cohorts that appear to have cost them £1000's in fees for nothing in return.   if this is not a letter of claim  pers i'd ignore them unless you have previous UK addresses since coming to the UK?
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BankFodder

NATWEST and DATA PROTECTION ACT COMPLIANCE - READ THIS

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2554 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.

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I understand that the NatWest are routinely refusing to suppy more than 6 years of personal data in response to Data Protection Act disclosure requests.

 

I understand that they are tell at least some people that they do not hold personal data going beck further than 6 years.

 

There is some evidence to suggest that this is not correct and complaints are about to be made to the Information Commissioner.

 

If you have been refused disclosure going back more than 6 years you should consider witing to the Information Commissioner about it.

 

Watch this space as we expect to have more news about this in January.


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Guest NATTIE

Bankfodder, I am 100% that NatWest data does go further back than 6 years so if that is what they are saying then it is a lie- and I do not use that word likely. Branches have something called the NatWest Archive a notes system from the old NatWest Bank plc days. It was effectively frozen in time on October 2nd 2002. The old system recorded a note automatically when a DD/cheque/SO was returned or whether it was paid even if it took it over the limit. It contains Marketing notes, complaints and a lot more else besides. All this info is not new info to the forum as I posted it months ago. These notes would go back to 1991.

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Guest peed orf

If we've already sent 1 or more SAR/s with the £10 fee, would that fee cover all future SARs?

Thanks

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I successfully requested statements going back further than six years apparantly they are available from the date of "migration" as quoted from manager .Here is the number I rang 0845 711 4477

 

GOOD LUCK

 

Tumble

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Guest NATTIE

Migration is October 5th 2002, Loristar where are you when we need some statement info on length of time NW can order statements?

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Hi Guys

 

I still havent received my charges info. What is the number, or preferably email address of the person who will send them out. I am keen to get started on my claim, but till I have the info, I can't. Want to give Natwest a kick up the backside.


:mad: Fight against Cr*pwest:-o

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Hi

I'm having the same problem, after numerous 'phonecalls to them to chase up my statements, they still haven't arrived! The 40 days is up today, does anyone have the template to send them regarding further action? Any help gratefully received.

Lisa

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It is so annoying. I went into my bank today to see if I could get statements any other way. I was told it would be £5 a statement and i was looking at £300!!!!!!! Just told me to sit tight and wait for them, but it seems they are breaking the 40 day rule quite often.


:mad: Fight against Cr*pwest:-o

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Guest peed orf

I waited approx 50 days for mine! Phone the nice lady [Joyce Tudor] and she'll sort it for you!

After the 40 days, you'll get them nicely jiffy bagged and special delivery!

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Guest NATTIE

For a Subject Access Request it is the Goggarburn Address, if you just want statements then the local branch can order them for the princely sum of £5(if they say more then tell them that there charges leaflet says per request).

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Hi

 

I have had a look at the charges part of the website, and it says £5 for duplicate records. Would a request for all statements going back to 2002 be regarded as one lot of records, and therefore only £5. I have tried and was told £300 :eek: in total, ie £5 per statement!!!! Can you just phone the bank and request this info, or do you have to go in to a branch. Can they refuse. :???:

 

Lots of questions, greatful for any help.

 

Thanks. x


:mad: Fight against Cr*pwest:-o

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Guest NATTIE

Devil- that is nonsense what you were told. Copy statements are £5 per request. So if you wanted back to 2002(I assume that is when the account was opened) then £5. You can phone the branch, walk to a branch send a letter to the branch, your choice but copy statements are £5

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hello I'm posting to say my friend has been with Natwest for 17 years and she hasn't recieved 1 statement in all that time!

and they are charging her like £50 a day, as she is in arrears. just can't believe she never recieved 1 statement when she went into the bank they gave her a basic print out for that month

she need's the whole time so we can calculate charges and proceed with claims.

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Guest NATTIE

this will sound harsh but has she only just now decided to query where here statement has been for the last 17 years?

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When we moved house, Nat West claimed the reason why we hadn't had bank statements for several months was because we didn't tell them about the change of address. Funny how their marketing department did get the address change as we were still sent credit card and load promotions!

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Guest NATTIE

Marketing companies also send out credit card promotions independently of the bank. It is still the case that an address can be changed for a bank account and the credit card address be different.

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this will sound harsh but has she only just now decided to query where here statement has been for the last 17 years?

 

Hi ya well I found out that because she got into overdraft she cut up the card and assumed she would recieve statements.

I have advised her that prints of statements will cost £5 only In the long run it will be worth it as her bank needs to be sorted.

It hadn't occured to her she has been having alot of problems facing up to the debt that has been mostly caused by her ex Boyfriend they have a joint loan and she has only just found out one of the other loans HFC hasn't been paid at all and he hasn't been paying her CSA money I am desperately trying to get her sorted so she can move on with her life, Which will mean going to small claims court for a number of reasons and will be a long battle but worth it, we seem to be hitting a brick wall at every turn as she is unsure of the total amount of debts outstanding total she can't give an exact figure and no one will help. I have been swotting up on the 70% wipe for debt and how to go court for charges, already got her to type a letter to creditors to offer token payments but even paying £5 a month she still finds it hard to live also having a 2 year old baby Isn't easy.

thank you for listening sorry I went off topic It is all information though and if anyone can help in anyway we really appreciate it alot!

from clarissa_D

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Guest NATTIE

clarissa- we can all help on here and you need to start a thread on the relvant bank thread for example clarissa Vs Natwest and we will all help your friend get the lot back

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why not send the bank a SAR she would get all her statements for the last 6 years for £10


My Claims:

 

Isle of Man Bank -

WON £3054.79 (settled at court stage)

 

BarclayCard -

Claiming £701.89 Part 3 letter sent

 

Capital One -

WON £1500 (settled at court stage)

 

CitiCards -

Claiming £1549.41 (at court stage)

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why not send the bank a S.A.R - (Subject Access Request) she would get all her statements for the last 6 years for £10

she needs every statement for the last 17 years we need to see how much money they have charged her in total, and £10 i thought it was £5?

thank you for your help

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A SAR allows you to get information from the Bank without having to pay the £5 pre statement.

The £10 is what you pay for all the statements it would give you everything they have in there system for you even it you get only six years worth that would have saved you £360.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html


My Claims:

 

Isle of Man Bank -

WON £3054.79 (settled at court stage)

 

BarclayCard -

Claiming £701.89 Part 3 letter sent

 

Capital One -

WON £1500 (settled at court stage)

 

CitiCards -

Claiming £1549.41 (at court stage)

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Guest NATTIE

John- you are getting confused with charge for statements £5 per request not statement and £10 SAR which means the bank have to provide all info that it holds on you, as an individual, in a relevant filing system

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this is from the ICO – Information Commissioner's Office web site

The Data Protection Act covers computer records and some manual records. Most computer records can easily be found about a particular person and should be disclosed removing any third party information. Manual records need to be in a relevant filing system. The files which form part of the relevant filing system are structured or referenced in such a way that information about the applicant can be easily located. Where manual files fall within the definition of a relevant filing system, the content will either be sub-divided, which allows the searcher to go straight to the correct category and retrieve the information requested without a manual search, or will be indexed to allow the searcher to go directly to a relevant page(s).

For example, a set of legal files containing files divided into sections for legal aid, pleadings, orders, correspondence by year, instructions to counsel, counsel's advice, will not be a relevant filing system because the divisions/referencing do not assist a searcher in retrieving the required personal information without the need to leaf through the file contents.

 

therefore if they have got it then they have to give it to you

if not complain to the ICO


My Claims:

 

Isle of Man Bank -

WON £3054.79 (settled at court stage)

 

BarclayCard -

Claiming £701.89 Part 3 letter sent

 

Capital One -

WON £1500 (settled at court stage)

 

CitiCards -

Claiming £1549.41 (at court stage)

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2554 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
Guest
This topic is now closed to further replies.

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