Jump to content


  • Tweets

  • Posts

    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

CAG CRA S.A.R Club


sosumi
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4204 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 1.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Experian - Strategy

Here's what it says:

 

'Trusted stewards'?

 

They have us nailed?

 

I was watching a video film on how these companies operate (CAP1. MBNA, PROVIDIAN ETC..) in the USA and how they target people - I was so alarmed by it really - from student to pensioners - they have is sorted and nailed really - and all the tricks they used etc.. to make money from us - so scummy really. This video "Maxed Out" is long over an hour - but is a real insight as to how these companies operate etc.. - it'll make you glad you saw it - but angry as how vulnerable we all are!!

 

Maxed Out

 

 

I do wonder whether this video ought to be made a stickey somewhere as it really is an eye opener - we can all learn from it.

Link to post
Share on other sites

They have us nailed?

 

I was watching a video film on how these companies operate (CAP1. MBNA, PROVIDIAN ETC..) in the USA and how they target people - I was so alarmed by it really - from student to pensioners - they have is sorted and nailed really - and all the tricks they used etc.. to make money from us - so scummy really. This video "Maxed Out" is long over an hour - but is a real insight as to how these companies operate etc.. - it'll make you glad you saw it - but angry as how vulnerable we all are!!

 

Maxed Out

 

 

I do wonder whether this video ought to be made a stickey somewhere as it really is an eye opener - we can all learn from it.

 

scary movie

I think they are already doing a version of this here, esp as so many companies are either wholly or part owned by American firms

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

Link to post
Share on other sites

'Payday loans', anyone? Guess who's on the website?:

About Us | Payday Bank - Payday Loan Bank

PS I'm going to watch that video later elizabeth1 :) Please anyone don't be offended if I post here regardless - I'm not, just a bit menopausal and very angry!! :mad:

Going to watch Eastenders and calm down! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

scary movie

I think they are already doing a version of this here, esp as so many companies are either wholly or part owned by American firms

 

 

....and the US economy is at least 91,000,000USD short this year BBC NEWS | UK | UK Politics | 1945 war debt to US 'almost paid' ....where are they going to get the money from?? Oil, perhaps?? ..or are they cruel enough to manipulate their own markets in such a way that the ordinary consumer takes the pain??

 

Coming soon to the UK........

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites

And you can watch the Usa total debt here

 

U.S. National Debt Clock

 

ticking away.....

 

wish we had one for the uk as well

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

Link to post
Share on other sites

PMSL at that one - nuke em - my 'local' debt is reducing on a daily basis as the failures to produce CCAs for irresponsible lending, unlawful charges and interest melt into obscurity:D. I have a spreadsheet to prove it!

  • Haha 1

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

PMSL at that one - nuke em - my 'local' debt is reducing on a daily basis as the failures to produce CCAs for irresponsible lending, unlawful charges and interest melt into obscurity:D. I have a spreadsheet to prove it!

 

 

ha ha ha ha ha :D :D

 

THAT'S WHAT WE LIKE TO HEAR!!!

Link to post
Share on other sites

The clock doesn't tick any more for Beryl Brazier. Her family have put a Memorial Page on the Web. It is heartbreaking.

 

In fact, I'd suggest there's a new clock ticking - how much longer Debt Collection Agencies (who employ idiots and rogues) will last.

 

I have my answers.

Mail Order Companies pass our information on. So do Store Cards. So do 'Loyalty Cards'. So do Credit Cards, Phone Companies, Utility Companies... The list is endless.

 

That the data is 'shared' - via Credit Reference Agencies - and somehow grabbed by 'chancers' who prefer to assume that everyone is a 'crook' by default (because they have to justify their own behaviour), is a lot more than frightening. Because they get their 'information' wrong. And because the 'checks and balances' are skewed in favour of 'business'.

 

Experian just happens to be the most visible Credit Reference Agency, because they're advertising their 'CreditExpert service' everywhere. But look beneath the surface and you find a hive of companies trading in information.

 

A large part of my 'Marketing Information' file was 'last updated in 1998'. It's on the file. Also a couple of old phone numbers - we changed phone suppliers a couple of times. Also my address and postcode. That's no secret - we've lived at this address for nearly 25 years. But it's part of the 'Marketing Information' - ie, as they state, used for 'direct mail marketing'. Any company can access it for marketing purposes. Any company - DCAs, for example.:evil:

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

....and just while you are on the subject of data sharing...did all you people know that when you move home and fill in a redirection order for your mail the Royal Mail sell your new address to ' interested parties' ?

 

I only found out that when I lost a Nectar card - a shopping points card not a credit card and asked for a replacement. They asked if I wanted it sent to the 'current address' some 40 miles from me? "What ? where did you get that address from" I asked... "Royal Mail" - we get the updates to - wait for it " save customers the time and trouble to write to everyone" (someone trying to steal my identity and putting a redirection order on my address so they could collect a new credit card which someone had applied for in my name as it happened!) When I challenged Royal Mail they said they supplied a whole number of organisation that pay for the info............. p****sed off? I was absolutely livid...

Link to post
Share on other sites

The royal mail has got such honest people working for them, I do think, I sent some vouchers as a present to my grandchild a couple of years ago and it was stolen by them, they could not locate it. I am sure people have read about the thieves that they had working for Royal Mail a few years back millions was stolen by employees.

 

Also for Nectar card, the Inland Revenue used this service to check on people spending as well. I was told this a person who worked for them. With this service they can check peoples that have got small business spending. :-|

Link to post
Share on other sites

....and just while you are on the subject of data sharing...did all you people know that when you move home and fill in a redirection order for your mail the Royal Mail sell your new address to ' interested parties' ?

 

Yup - I mentioned this in another thread recently to a sanguine response. I understand RM actually get paid well for providing this service, which makes you wonder why they charge you for the 'redirection'. Further, there is no opt-out facility to receive only the requested redirection. I wonder if the ICO would act?

Link to post
Share on other sites

The royal mail has got such honest people working for them, I do think, I sent some vouchers as a present to my grandchild a couple of years ago and it was stolen by them, they could not locate it. I am sure people have read about the thieves that they had working for Royal Mail a few years back millions was stolen by employees.

 

I has the same issue - my granddaughter's 6th birthday card contained a Disneyworld 5-Day pass and 2 cinema tickets in a birthday card. It was delivered ripped open and inserted into a 'Found Open In The Mail' plastic bag. Of course, the card was intact, but the tickets which were stapled to the card had 'fallen' out. RM said it was my fault I had sent it my RD and not Special Delivery and only paid £33 in compensation. Since a staff member at the mail centre was dismissed for theft on a large scale at the same time, they were immune for liability as RMs Act of Parliament SPECIFICALLY EXCLUDES liability due to theft by staff. Clever, eh?!

Link to post
Share on other sites

About 2 years ago - before we were 'in debt' - we bought my mother-in-law a mobile phone to use when she was away from home. She had problems with her eyes at the time (much better now :)), so we bought one with a bright keypad. It cost about £30.00 - from Tesco. We also bought her an additional top-up voucher, so all she would need to know was how to use the phone and keep it charged. We put our family phone numbers on it, once we'd handed it to her. It was a gift, we always make sure she has plenty of call-time on it because there is no way she could handle the long numbers on the vouchers. So we buy them for her. It was never registered. It was a Virgin mobile phone with Virgin pre-pay vouchers.

 

A few weeks later we found out that she had received a letter from Orange, claiming that she had an unpaid bill and demanding money. She is widowed. The name and part of the address was hers. She kept quiet about it initially, because she felt she must have done something wrong. She was 88 years old then. She had never owned a mobile phone before in her life.

 

Initially, (after worrying about it alone) she mentioned the letter to my sister-in-law, because she was bothered it had something to do with her new phone and, if she'd got it wrong - that she should be paying bills and hadn't realised, she didn't want to hurt our feelings. Hubby's sister couldn't work out what the letter was either, so approached hubby.

 

The letter had absolutely nothing to do with my mother-in-law. I wrote to them, and demanded that they sort their records out. None of us have heard from them again. Despite the fact that I pointed out she was a widow - aged 88 - and living in sheltered accomodation, we have had no apology. Nothing.

 

The point is that people do try and sort things out on their own. If they live alone, getting a letter like this causes huge distress. It isn't just my own experiences - or reading other people's experiences here - it's that letter my m-in-law received, and how she initially (very naturally) reacted - that makes me boil! How the *$@% are people supposed to deal with things like this?? We were able to send whoever wrote that letter off with a flea in their ear. But how many more people, living alone, would have felt too confused and scared to do anything other than quietly pay the bill, and hope they go away??

Somebody, somewhere, made a huge £%$*-up with Mrs Brazier's personal information. And they set the hounds on her. This is unforgiveable.

 

We bought the phone from Tesco. We have a Clubcard.:evil:

 

Correction: we had a Clubcard. And a Sainsburys Nectar Card, a WH Smith Clubcard, a Boots 'Advantage' Card. As of today, they're going in the bin, cut into pieces.

 

Believe me, there are companies selling everyone's information as we speak.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

We all know that some of the 'DCA worst offenders' go after debts below £500. Very often they're mail-order catalogue debts. There's a very high probability that if you use a 'catalogue' it's because you've precious little money, and just like 'the books' tell you, you can 'spread the cost' over 20 or 38 weeks. I've done it many times in the past. The highest value item I ever bought was a settee. I closed the account last year, and have told them several times - I still get the catalogues (even though I rejected the last one at the door, they've still sent me a Christmas one!) My 'amount available to spend' when I closed the account... over £5000!!:eek:

 

Most catalogues are now part of the Littlewoods Group. Have you seen the privacy policy? One - part of the group - has it on their web site. It says, very clearly, that apart from 'targeting', 'prize draw entries', 'direct mail' etc... that the information they have can be used for 'debt collection and tracing'.

This looks like the company they use:

UK Direct Marketing Services by CDMS | Direct Marketing Agency

 

Nothing about the Post Office surprises me any more. We sent quite a few letters last month by Special Delivery, £4.30 a time. We sent more recent ones by Recorded Delivery and were told, over the counter, that Recorded Mail 'just goes in the sack' - ie. it might get there, it might not.. Paying extra money over the counter's a bit of a gamble. Except that we're paying for a service, not buying a lottery ticket!

 

Plus, check this out:

EuroDirect - CAMEO Lifestyle - Customer Profiling and Segmentation

and here:

EuroDirect - Data Exchange - prospect data, list ownership, list management, consumer databases

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

When you change address you can tick a box to STOP THE POST Office informing companies etc, otherwise, yes they will sell your info on to any interested party

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

Link to post
Share on other sites

There are lots of comments in this thread about either CRAs providing information or DCAs and credit providers trawling through CRAs database.

 

Surely both of these activities are a breach of the data protection act

 

The CRAs should only be allowing access to their database for specific purposes, such as tracing missing creditors or doing risk assessment on new applications

And marketting without consent is a no-no

 

I hope I didn't miss anyone saying this already - this is a long thread

 

Grumpy

Link to post
Share on other sites

Someone correct me if I'm wrong, but I think Equifax own Wescot, and until recently Experian and Great Universal Stores were the same thing.

 

They shouldn't, in theory, be passing information around willy-nilly (poor old willy), especially if that information is personal and identifiable. But when there's money to be made, and nobody's looking, who's going to stop them sharing info??

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites

Someone correct me if I'm wrong, but I think Equifax own Wescot, and until recently Experian and Great Universal Stores were the same thing.

 

They shouldn't, in theory, be passing information around willy-nilly (poor old willy), especially if that information is personal and identifiable. But when there's money to be made, and nobody's looking, who's going to stop them sharing info??

 

It was GUS that began the whole credit referencing thingy I believe way back with their catalogue shopping...got a lot to answer for!

Link to post
Share on other sites

Here's an article from The Guardian, last July:

The card up their sleeve | Weekend | Guardian Unlimited

 

Couple of other points:

Re. the mobile phone. We've never had a contract phone with anyone. We only ever use mobile phones for emergencies, so they've always been 'pay as you go'. So there was not any kind of way Orange could have 'mistaken' mum-in-law for hubby, for example.

Plus Great Universal is now part of the Littlewoods Group. Experian like to point to their 'successful demerger' from GUS - but yes, it was formerly part of GUS.

 

A couple of weeks ago we had a call from a company offering mortgage services. As we've just changed phone providers again (we've got cable, and have tried Bt, NTL, BT again, then back to cable (it's cheaper)), and we insisted on being ex-directory, I questioned the salesman, made him pass me to his Supervisor, who told me they had been sold our number by 'Lifestyle Marketing'.

 

Allwood - excellent link! :) Here's what it says:

Mystified by agency's credit card debt threat

I have just received a letter from a firm called Thames Credit which says I owe Barclaycard £5,473.

This statement is accompanied by a whole set of threats including credit reference agency blacklisting, "refering the matter to our solicitors for their consideration" and "refering the matter to our Field Agents who will call at your address."

This is all very worrying. But I do not owe Barclaycard anything. I do not have a Barclaycard nor have I ever owned one. Additionally, I have never had any relationship with Barclays in any way.

I feel powerless - I have tried to phone the number they give but it is engaged.

So, what should I do with Thames Credit's demand?

MS

Swansea

Thames Credit is a Bromley-based company which chases bad debts. It often acts on behalf of ASA Debito which buys debt from Barclaycard. ASA pays a small percentage - perhaps as little as 10% - of the outstanding sum and then hires Thames to chase as much as it can.

Thames and ASA Debito are linked. They are both subsidiaries of Norwegian registered Olympia Holdings ASA. This firm has attracted some attention recently in the Oslo press following offshore tax investigations by the Norwegian authorities and the boardroom resigna tion of leading shareholder Haakon Korsgaard earlier this year.

Thames works by looking through Experian and Equifax listings for everyone with a name similar to that of their target. So, you will be one of maybe thousands to receive this letter - your first and last names are the same but the other names are not.

The easy answer to your predicament is to tear the letter up and send it back to Thames in Bromley. You could put a note in saying "try taking me to court."

If you do not fancy that, trading standards advice is: Refuse to acknowledge the debt until they supply a copy of a Consumer Credit Act section 78 agreement - they have 12 days to do this; Refuse to speak to them on the phone; refuse to offer any proof of your identity so they have to do it; and

Remember that they must send a copy of the legal assignment of the debt from Barclaycard or other lender.

In your case, Barclaycard has now spoken to Thames to remove your name and address from its target list. You should also receive a letter of apology.

Also re. Lifestyle Marketing...

EuroDirect - UK Lifestyle - Datasets and software providing wealth of Lifestyle information - Specialist providers of consumer marketing information

and also here's CallCredit: About Skipton Information Group (SIG) - EuroDirect & GMAP Consulting

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Here's an article from The Guardian, last July:

The card up their sleeve | Weekend | Guardian Unlimited

 

Couple of other points:

Re. the mobile phone. We've never had a contract phone with anyone. We only ever use mobile phones for emergencies, so they've always been 'pay as you go'. So there was not any kind of way Orange could have 'mistaken' mum-in-law for hubby, for example.

Plus Great Universal is now part of the Littlewoods Group. Experian like to point to their 'successful demerger' from GUS - but yes, it was formerly part of GUS.

 

A couple of weeks ago we had a call from a company offering mortgage services. As we've just changed phone providers again (we've got cable, and have tried Bt, NTL, BT again, then back to cable (it's cheaper)), and we insisted on being ex-directory, I questioned the salesman, made him pass me to his Supervisor, who told me they had been sold our number by 'Lifestyle Marketing'.

 

Allwood - excellent link! :) Here's what it says:

Also re. Lifestyle Marketing...

EuroDirect - UK Lifestyle - Datasets and software providing wealth of Lifestyle information - Specialist providers of consumer marketing information

and also here's CallCredit: About Skipton Information Group (SIG) - EuroDirect & GMAP Consulting

 

 

 

Now this is where it all gets my blood boiling... Lifestyle Marketing, where did they get permission to access your information especially as you are ex directory? Who gave permisssion to the phone company to sell your phone number.... this really makes me mad. I'm ex Directory too and we still get sales phone calls.

 

Recently I was in Portugal and beside the pool was a line of small ants following one after another across the stone path through to the house. I wet my finger and rubbed out the path line they were all following and the ants got totally confused as to what direction they were going in - I'm going to try and find something similar for this line of data information to stop.

The ants vanished in about 15 minutes, might take a bit longer for the likes of Lifestyle Marketing, but we'll get there. ;)

Link to post
Share on other sites

I haver just today received Junk Mail from Call Credit completely out of the blue. I have never given them my details and whilst there is the usual disclaimer at the bottom should I wish to unsubscribe, I still class this as unwarranted and would be grateful if others advise if they too receive the same type of mailing - offering to ensure you 'retain' a high credit score.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...