Pezman's Diary

[pezman65]

Re: Pezman's Diary

Good, keep quiet about that for now but make a note of it, as it gives you another point of dispute for the future.

SH

Ok, cheers, Pez

[pezman65]

Re: Pezman's Diary

At this stage I would just ignore Paracrap completely, unless they issued a Letter Before Action or threatened doorstep harassment. They have sent so much utter drivel that it really is not worth arguing with them right now.

In the near future, a formal complaint incorporating a request under the Consumer Protection from Unfair Trading Regulations 2008 for information regarding the agreement may be a possibility. This could incorporate a request for information concerning the contractual provision for these insane charges they keep adding, which, of course, does not exist.

I would just go back to the ICO and tell them that Paracrap have not complied with your SAR, and that important documents have deliberately been omitted. If you know of documents which should be there, but aren't, mention them specifically.

SH

Hi Guys, following on from the last discussion I contacted the ICO who have advised me to write to Paracrap and point out the items that are still missing and to copy them into the letter. I have drafted the following and would appreciate and comments and suggestions before I send it, cheers Pez

Dear JH
I am in receipt of your letter dated 04.04.13 which included numerous sheets of paper relating to some transcripts of phone calls and a few photocopies of letters that I asked for in my recent SAR request. Initially you sent me very little information which resulted in me contacting the Information Commissioners office who wrote to you and requested the correct information I asked for to be sent. Unfortunately you have again been very selective in the information you have provided. In the transcripts you have sent you make mention of my request as to whether interest was being charged but you fail to include your reply. There are no copy of the letters between David Newcombe or Sally Bennett that were sent in 1999 and 2000 relating to the agreement we came to regarding freezing of interest and a new direct debit being signed. I do have copies of some of the letters but you have even failed to provide these. Neither are there any letter of correspondence that you refer to in your telephone transcripts that discuss the issue with Alexander Rose co Ltd who were dealing with this problem on my behalf during 1999 and the year 2000. In October 2009 there were letters sent by Donna Sutheran who offered a full and final settlement of £1800, again these have been omitted from the file you sent me. I have still not received a true legible copy of the Consumer credit agreement, or any letters from you post 2000 informing me that the debt was increasing. You lack of transparency and failure to provide this information puts you in breach of the OFT guidelines and as such puts this account in dispute, the default charges you keep adding to this account are therefore illegal and will be challenged very strongly should you continue to follow this course of action. I have copied this letter to the ICO and will await either your reply of theirs before deciding on my next course of action. Please be aware that I am still prepared to pay what I lawfully owe which relates to the agreement reached with Sally Bennett and David Newcome back in 2000.

Yours Sincerely,

[pezman65]

Re: Pezman's Diary

Type of account - Credit Card

Date commenced -1998

Approx balance - £1861

Date last full payment - 2000

Are you on arrangement or not paying - Arrangement until 29.08.12 now not paying (Cabot)

Status - Just cancelled DD

Account owner - B.O.Scotland / Cabot

Key:
Blue - Communication Sent
Red - Communication Received

04.09.12 requested CCA and sent £1 po
11.09.12 letter recieved stating they do not have the info onfile but they have requested it from the original lender, account on hold for 40 days.
07.12.12 Letter received from Crackpot stating they are unable to obtain CCA and as such the account is unenforceable. Please contact to arrange payment (Yea right)
22.04.13 Large letter received from Crapbot complete with recon CCA agreement .... unfortunately (or fortunately for me) not mine. They have sent someone else's complete with all details inc address, phone number, employment and bank information complete with account numbers and signatures.I am sure this can not be right.

Hi Guys, just wondered what you think of this. Last contact with Crapbot (07.12.12) was to say they did not have CCA. They have now (22.04.13)sent someone else recon agreement with all personal details inc address, employment and signatures. Any suggestions what to do next, I sure this can not be legal to disclose this personal info to a stranger?, Cheers Pez

[SaltnVinegar]

Re: Pezman's Diary

Hi Guys, just wondered what you think of this. Last contact with Crapbot (07.12.12) was to say they did not have CCA. They have now (22.04.13)sent someone else recon agreement with all personal details inc address, employment and signatures. Any suggestions what to do next, I sure this can not be legal to disclose this personal info to a stranger?, Cheers Pez

Oooo now I remember someone else having something like this and Niddy wrote a special basically saying go forth and by the way you better write off the debt or I'll inform the ICO of your poor handling of customer data.

I'll see if I can dig it out.

You have them by the short and curlies - don't you just love that

Best
SnV

[ken100464]

Re: Pezman's Diary

Oh dear Cabot.

Wheres the popcorn this could be entertaining.

Just not for Cabot.

[Never-In-Doubt]

Re: Pezman's Diary

Lol this is funny, yea recently another dca did this and we got the whole account wiped

That was a dirty bribe but worked a treat

I'll post the details here and assist - sit tight till we come back to you.

[Never-In-Doubt]

Re: Pezman's Diary

Ahh the one I did was in relation to getting a whole customer database not just one account --> allaboutFORUMS - View Single Post - DNW's UE Diary

The result --> DNW's UE Diary - Page 25 - allaboutFORUMS

However you could work it to your advantage - what is the balance owing on your account?

[pezman65]

Re: Pezman's Diary

Ahh the one I did was in relation to getting a whole customer database not just one account --> allaboutFORUMS - View Single Post - DNW's UE Diary

The result --> DNW's UE Diary - Page 25 - allaboutFORUMS

However you could work it to your advantage - what is the balance owing on your account?

Hi Niddy, the balance is £1861, cheers Pez

[SaltnVinegar]

Re: Pezman's Diary

Ahh the one I did was in relation to getting a whole customer database not just one account --> allaboutFORUMS - View Single Post - DNW's UE Diary

The result --> DNW's UE Diary - Page 25 - allaboutFORUMS

However you could work it to your advantage - what is the balance owing on your account?

Thats the one thanks Niddy

Maybe not on quite the same scale as a whole list of peoples personal data but I think theres still a lot of potential to make Cabot squirm

[ken100464]

Re: Pezman's Diary

Data breach is a data breach.

Shows poor procedures in place at Cabot. And that is what ICO looks at. Not only the scale of the breach but how.

Cabot might have to start employing people to check the people who lick the envelopes. Assistant letter stuffers maybe.

You can just see it. Career progression interview. Next year we will put you on a letter licking course.

Your really going places now.

[ScabHunter]

Re: Pezman's Diary

I've been asked to look in on this thread, and specifically at post #212.

I certainly wouldn't be sending any letters which included phrases such as “Please be aware that I am still prepared to pay what I lawfully owe which relates to the agreement reached with Sally Bennett and David Newcombe back in 2000”, as this could easily be construed as a written acknowledgement of the alleged debt.

There are some minor grammatical errors in the rest of the letter, but those will be easy enough to clean up. I would also remove any references to the idiotic charges they have been adding, if the sole purpose of the letter is to get compliance with a SAR. The charges are a separate issue, and are far more likely to work in your favour than against you as this case progresses.

SH

[pezman65]

Re: Pezman's Diary

I've been asked to look in on this thread, and specifically at post #212.

I certainly wouldn't be sending any letters which included phrases such as “Please be aware that I am still prepared to pay what I lawfully owe which relates to the agreement reached with Sally Bennett and David Newcombe back in 2000”, as this could easily be construed as a written acknowledgement of the alleged debt.

There are some minor grammatical errors in the rest of the letter, but those will be easy enough to clean up. I would also remove any references to the idiotic charges they have been adding, if the sole purpose of the letter is to get compliance with a SAR. The charges are a separate issue, and are far more likely to work in your favour than against you as this case progresses.

SH

Thanks SH, will edit as suggested, many thanks, Pez

[pezman65]

Re: Pezman's Diary

Ahh the one I did was in relation to getting a whole customer database not just one account --> allaboutFORUMS - View Single Post - DNW's UE Diary

The result --> DNW's UE Diary - Page 25 - allaboutFORUMS

However you could work it to your advantage - what is the balance owing on your account?

Hi Niddy, could you give me any suggestions on how to handle this, the balance is £1861 thanks Pez

[pezman65]

Re: Pezman's Diary

Type of account - Loan

Date commenced - January 1998

Approx balance - £8037

Date last full payment - 13.08.2000

Are you on arrangement or not paying - Arrangement until 29.08.12

Status - Just cancelled DD

Account owner - Barclays 23

Key:
Blue - Communication Sent
Red - Communication Received

29.08.12 sent CCA request with £1 PO
14.09.12 letter received with copy of agreement. Emailed Niddy.
21.09.12 Niddy says UE to send missing PT template.
22.09.12 Sent Missing PT letter.
23.10.12 Letter received, looking into complaint and will contact me later
03.12.12 Letter received from BC stating responsibility for collecting this outstanding debt has been passed to Credit Solutions LTD.
15.12.12 Letter recieved from credit solutions stating they have been asked to recover the balance, failure to contact may result in 1) Doorstep visit. 2) Debt sold on to new debt owner. Please contact asap.
18.12.12 Combined Sold on and doorstep template sent
31.12.12 Letter received from CS stating they have never received a request for a CCA, they acknowledge that this may have been sent to their client but the need confirmation of this.
03.01.13 Letter received from Power 2 Conect stating they have been instructed by their client to visit my address to dicuss repayment of the above debt.
06.01.13 Threat of doorstep visit sent.
19.01.13 Letter from CS stating awaiting a response from clients re CCA.
11.03.13 Letter from CS stating awaiting a response from clients re CCA.
02.04.13 Letter from CS stating awaiting a response from clients re CCA.
26.04.13 Letter from CS stating they have raised the issue with client who state "They are not in reciept of any CCA request or £1 paid. They have asked for cheque number and proof of CCA request.

Hi Guys, just had another letter from CS stating "they have been in touch with client who confirm they have not had CCA request, they have asked for cheque number and proof of CCA request. I have already sent copy of CCA request on 08.01.13 to CS. Any suggestions on how to reply would be gratefully appreciated, many thanks Pez

[pezman65]

Re: Pezman's Diary

Type of account - Credit Card

Date commenced - March 1997

Approx balance - £1609

Date last full payment - March 2000

Are you on arrangement or not paying - arrangement till 29.08.12 now not paying

Status - Just cancelled DD


Account owner - Lewis Debt

Key:
Blue - Communication Sent
Red - Communication Received

29.08.12 requested CCA and sent £1 po
10.09.12 letter recieved from Lewis debt demanding Sept payment and missed August payment, also threatening field agent visit to personally call round and collect the debt. No mention of CCA request.
11.09.12 sent Harrasment and threat of doorstep visit letter.
19.09.12 letter recieved from LD to Harrasment and threat letter stating they do not have CCA request (even though they have signed for it and cashed the £1 cheque) requesting copy. Copy sent.
20.09.12 Sent copy of CCA request to LD.
02.10.12 Letter recieved form LD stating they are not the creditor and I should apply to Dixons for the CCA request.
05.10.12 Letter sent requesting them to get CCA
26.04.13 Letter received from LD with copy of CCA agreement, sent to Niddy.

Hi Guys, DCA been busy this week. I had a copy CCA from LD, emailed Niddy, fingers crossed, cheers Pez