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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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jssandy01

capquest/Egg CCA failure to comply

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Hello

 

I have a lot of debt issues that I m trying to sort out and with help of this site it is going well so far. Great to have friends when you need them.

I have a debt with egg they are claiming £3554.26. They sold debt to Capquest. Sent CCA request on 18/12/06 they sent copy signed agreement with their letter dated 17th January so over the 12 working days. They did not, however enclose any terms and conditions or statement of account which I understand is not full compliance of the CCA request. Is this the case? If so should I advise them or just wait until 42 day is passed(12 plus 30 days) when they would have commited an offence. We are currently day 35. Advice would be appreciated on what tack to take.They have put account on hold until 26th January to await my response and payment.

Many Thanks

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Hello

 

42 days now well and truly up. Can someone help with the situation re not receiving terms and conditions or statement ? Did they comply or not? they have started to chase me again.

Many thanks

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I don't kno wabout the T&C and statement request but my understanding is that as the yhave supplied the correct agreement they can chase the debt and enforce it.


Consumer Health Forums - where you can discuss any health or relationship matters.

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CapQuest like all debt collection agencies need a licence from the OFT. If what was sent to you was sent by CapQuest, ask them if they intend to stand in court in place of Egg, but address your letter to CapQuest Company Secretary (find name/address from Companieshours.gov.uk for £2). Probably your case is wandering from basket to basket, through layers and layers of bureaucracy. If you show you are not a person to be bullied, that you are far more willing to stand in court than Egg......


 

 

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jssandy01 - you may get more help in the PPI section - Reidnet is extremely helpful over there and is something of a champion of this cause


PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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As i understand if they cannot provide you with a credit agreement then they must provide you with the terms and conditions of the loan i.e;amount lent amount to repay,amount to repay p.m,interest rate p.a,total to repay inc interest.If they cannot provide EITHER( the last need not have a signature,only your name)then they are in breach of OFT guidelines.Complain to the OFT.

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