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Source: ICO - Your data matters / Your right of access
I love my job
You are completely right! I was 100% aware of that when I made the SAR, and the FCA very kindly pointed that out to me
But the company did not comply with the following bit:
I only learnt about the SAR delay a few days after the deadline had passed when I chased it up.
Any fine levied against the company will go to the regulators, rather than you.
Oh I know RE: fines! I have reported them to the ICO partially to help other consumers! Here's hoping.
I've had compensation in situations which were much less serious. That's the problem! Unless you want to challenge my version of events further (I'll listen!), my personal information has been passed to a third party unlawfully! And they've ignored a SAR!
I actually think that there is scope for "compensation" to be fair!
I wasn't aware I had challenged them at all.
Apologies if you somehow got that impression.
I think you may find way down in the small print of your original agreement it will state they can pass your account to a 3rd party debt collector.
The problem you have with debt collectors is that the rules they abide by are not rules as such, but guidelines, which are always open to interpretation.
I personally hate the debt collection industry, but you have to know which battles you can win, and which you cannot.
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"I don`t trust Bankers, I don`t trust Banks, and I don`t trust you.........Private Frazer".
For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
There may be but what I think zx81 was trying to say was that the ICO have no authority to demand that the PDL company pay it to you. They'll just fine them if appropriate (and you won't see a penny of that.)
If you're interested in compensation you're much better off going to the FOS.
You seem to want to pick fights over very minor issues that have come about due to you originally being in the wrong.
I’d recommend that instead of borrowing money that you then don’t repay on time and then getting upset at the consequences that you put your efforts into making sure that you don’t need a payday loan ever again.
Needing one tends to suggest that you would benefit from posting a SOA up and taking on board the good advice that would follow.
And taking out a payday loan pretty much serves as proof that you are not a responsible borrower.
Have a read of the name again, payday loan. It is meant to tide you over to your next pay day. You would still have had one of them even were you unwell.
And I did offer you relevant guidance, you just didn’t like it.
I’ll offer it again, take the energy from this silly comp,ain’t, and put it into something positive. You are heading for a very miserable old age at present.