Platinum Weeks / UK Weeks

duff67

Grumpy_chap said:

duff67 said:

Data protection (GDPR) states that all paperwork (digital or not) and in this case verbal,  relating to sales must be kept for a period of up to 6/7 years.

Citation please.

My understanding of GDPR is the exact opposite - that information must only be retained for the minimum period that is required.

What I do suspect is that any company you contact about this, whether the provider or the CC, will cite GDPR as reasons they cannot liaise with you and will only communicate with your sister.

powerful_Rogue said:

No it doesn't.

user1977 said:

There’s no GDPR obligation to record (let alone transcribe) every phone call with customers.

You are all correct.

I was loosely referring to GDPR in my own workplace, which is 7 years :

https://www.dpocentre.com/data-retention-and-the-gdpr-best-practices-for-compliance/

'The GDPR does not specify how long is ‘no longer than necessary’, so how do you judge timeframes for different types of personal data? 

Necessity is a key factor in an effective data retention timeframe and is determined by your purpose for processing. In other words, your reason for handling and storing personal data will dictate the length of time you keep it. 

Storage periods will depend on several elements, such as the industry sector, the type of data processing, and any other regulatory requirements that apply. However, in some circumstances, there is a statutory retention. For example, finance records are generally maintained for 7 years (6 years plus the current year), in accordance with the Companies Act.  

Under the GDPR, the key requirement for data retention is that the chosen duration must be justified, and this decision must be documented. '

The financial transactions feel as if they should fall under the 'finance records are generally maintained for 7 years. It is recommended by most in finance as 7 years eg, Retention of bank statements.

duff67

I am considering all angles and threw some out there on this thread.

I'm going to move on as I appear to be writing my own defence rather than learning others' experiences of the companies mentioned.

As I said earlier. Thank you. Without your challenges, I wouldn't be so prepared.

I have not got my head in the clouds and am prepared that nothing will come of my calls to the company and C/cards on behalf of my sister. I just hoped for extra background or support on what was / wasn't available.

I expect to loose, but if I don't try - I won't win (even by a small amount ).

Thanks all

powerful_Rogue

duff67 said:

I am considering all angles and threw some out there on this thread.

I'm going to move on as I appear to be writing my own defence rather than learning others' experiences of the companies mentioned.

As I said earlier. Thank you. Without your challenges, I wouldn't be so prepared.

I have not got my head in the clouds and am prepared that nothing will come of my calls to the company and C/cards on behalf of my sister. I just hoped for extra background or support on what was / wasn't available.

I expect to loose, but if I don't try - I won't win (even by a small amount ).

Thanks all

There is absoutely no harm in trying. At least putting your thoughts on here people can correct or point you in a different direction.

Some companies are pretty clued up, and making reference to something that is incorrect could potentially mean they won't take you seriously.

QrizB

duff67 said:

For example, finance records are generally maintained for 7 years (6 years plus the current year), in accordance with the Companies Act.

A Spanish business is not subject to the Companies Act.

I don't know how long Spanish law requires companies to retain financial records, but it could be very different.

born_again

duff67 said:

lincroft1710 said:

duff67 said:

sheramber said:

Details of their modus operandi  are given in the link I quoted above. 

Yep. Looks like by not taking up the offers my sister has 'missed' the hard sell - but I still need to know why the withdrawals are not on a national blacklist within banking fraud Offices.

My work goes on 

Probably because it is not actually "fraud". Sharp practice, maybe, but not necessarily unlawful.

Maybe not spelt ' FRAUD' but certainly spelt 'HIDDEN AGENDA & NON COMPLIANCE'.

It would save financial institutions a lot of time and possibly refund monies if they stepped ahead of the game. I wonder who in each bank's Fraud department reads forums like this and makes a list of regularly cropping up names. The takes the forward step of at least flagging them for conversation with the client.

Utopia desired, mayb,e but pro activity - yes

Take this forum as a instance. The number of times "Scam" is posted. Is to say the least a joke.

Banks do not have the staff or time to monitor forums. They have their own source of information & there is no "national Blacklist" of companies in the banking systems.
Banks are not their to police retailers.
If a merchants bank gets a lot of chargebacks, they may take action on the merchant. But that is only action that can be taken within the banking system.

Just as a guide for you.
Banks are limited to the number of transactions that can be declined. If they reach a % of declined transactions that are genuine. They get fined & this is a single figure %.
In your sisters case. Even if it came up for a check, she would only say she made it..

As reps, we do have a list (self collected from calls & talking to each other), of well know companies & how to deal with them or advise customers how to deal.
Which I can say never heard of either of these companies.

Unless you have POA. Then you have no right to request anything from your sisters account (GDPR). Her being gullible, is not a right to request anything.

Call recordings are not kept for years. Systems work via the disk space. So you will find that calls have no fixed time of storage.
Again not that you have any right to access them. Only your sister can request them.