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    • jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Please comment on the new SAR generator here


BankFodder
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I think that the text of the letter needs to be tweaked a bit to make it more generic, such as removing references to collecting data etc.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Can the people who didn't have an account number please clarify. The account number is supposed to appear on a second page along with any other optional info that was input. Are you saying that you added an account number but it didn't appear on the second page?
One page only (even though it produced two separate .pdf files) and no account number on either...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Fantastic, but the 4 mortgage companies i was looking for,

Birmingham Midshires, I Group, GMAC, Barclays Mortgages, werent on there and it wouldnt let me proceed without making a selection from the list..

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I still have problems with the wording of the template, specifically...

 

Please supply me with all of the personal data that you hold to which I am entitled under the Data Protection Act 1998. In particular, I require a complete list of transactions and charges relating to my history with your organisation.Alternatively, a complete set of statements will be acceptable.

 

My objection is based on the premise that you are giving them the option of not supplying information that can prove to be useful at the court stage, i.e. by allowing them to give you statements as an alternative you are letting them off the hook for supplying any notations or logs for any charges made.

 

If they have to supply either the notation or an admission that there are no logs or notations, then that can show that the process WAS entirely automated and therefore their costs would be considerably lower.

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it generates the letter twice ... once named *bank name* and then one named *cagsarg*.
The cagsarg letter is actually a collection of all the letters you've done. So for example if you'd done letters to HSBC and RBS they would both be on the cagsarg letter, one after the other, to make printing them all out at once easier.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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It strikes me as somewhat ironic that in fighting the banks' "standardised" approach to customer relations, in sending out "template" letters that sometimes are not even relevant to the query, that we should now resort to auto-generated template letters ourselves.

 

There is a danger in this - the banks' will come to expect exact wording, and will develop a response, and therefore the process of individualising letters will need to start over again.

 

That there are templates in the library, for people to "tweak" is great, but I believe that any auto-generated letters will actually encourage homogenisation of the claims process, and in fact will detract from the "minimum effort required" that we are trying to empower people with...

 

...IMHO...:rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It strikes me as somewhat ironic that in fighting the banks' "standardised" approach to customer relations, in sending out "template" letters that sometimes are not even relevant to the query, that we should now resort to auto-generated template letters ourselves.

 

There is a danger in this - the banks' will come to expect exact wording, and will develop a response, and therefore the process of individualising letters will need to start over again.

 

That there are templates in the library, for people to "tweak" is great, but I believe that any auto-generated letters will actually encourage homogenisation of the claims process, and in fact will detract from the "minimum effort required" that we are trying to empower people with...

 

...IMHO...:rolleyes:

I have to say, I personally favour using the standard ICO approved version of the SAR, which basically says 'send me all of the data to which I am entitled'. I guess the problem with specifically asking for things like manual records etc, is that by implication the bank may feel that if it hasn't specifically been asked for, they don't need to send it. I suspect that over time we'll gradually develop a good all encompassing SAR.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Try the new Subject Access Request Generator

 

 

 

 

 

Please do let us have your comments so that we can correct and refine.

 

Post your comments in this thread.

 

 

|Hi

this is great can you do other letters in the same way.

 

thanks Great x

 

bright

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How about a bit more room between 'yours faithfully' and the name for the signature?

 

Otherwise great aside from the a/c number and room for a joint account holder's name!

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Loved it appart from the obvious account number missing problem. Also you can't generate for bank and credit card accounts together, instead you have to restart the process but as I said, great plan!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi, i tried it as an exercise, whilst it got the Abbey Data Controller bit right, and my address there was no account number shown

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Hiya,

Fantastic idea. :)

The only thing I noticed is the taborder in the additional addresses. Could it be amended so it tabs through the fields of the first address before it goes on to the second?

Kitty

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Tried it again it is my eye sight I was looking under credit cards, It is shown under Banks, great tool but account number was not shown.

Looks like you are working on this from previous threads.

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saved me loads of time, cant comment on the a/c number problem as i didnt have them anyway. A really useful tool!!!

GE MONEY- Settled 5/06/07

Capital One - Won 15/06/07

**Treat everyone as you would expect to be treated yourself**

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First post and nice bit of work - straightforward questions.

However, I would be inclined to put the account details actually in the letter?

Not saying our banks are disorganised but anything that allows them to say "Oh, another delay as we've lost a page of your letter" will just allow them to take advantage of those who aren't sure of the procedure.

 

Otherwise nice job, but have to concur with comments that a template request may not be the route to take?

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