Say NO To Debt Harrassment

wadia860

I am just wondering if there are issues with a breach of the DPA here? Any suggestions would be gratfully received as I would like to post a letter tonight. Thanks again.

Dylanwing

Total breach of the DPA and just about every other confidentiality rule. I would most definitely add this to the letter and demand an explanation regarding this serious breach of confidentiality, saying that you will take this further, and refer this to the Financial Onbudsman if you are not satisfied with the response. That gives you time to find out more, and hopefully will put the wind up them. No idea if the FOS is the right place, but it's always a good threat! From the DPA - I think you might have a very good case here -

13 Compensation for failure to comply with certain requirements
(1) An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.
(2) An individual who suffers distress by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that distress if—
(a) the individual also suffers damage by reason of the contravention, or
(b) the contravention relates to the processing of personal data for the special purposes.
(3) In proceedings brought against a person by virtue of this section it is a defence to prove that he had taken such care as in all the circumstances was reasonably required to comply with the requirement concerned.

Kingswick

Dylanwing wrote: »

Total breach of the DPA and just about every other confidentiality rule. I would most definitely add this to the letter and demand an explanation regarding this serious breach of confidentiality, saying that you will take this further, and refer this to the Financial Onbudsman if you are not satisfied with the response. That gives you time to find out more, and hopefully will put the wind up them. No idea if the FOS is the right place, but it's always a good threat! From the DPA - I think you might have a very good case here -

13 Compensation for failure to comply with certain requirements
(1) An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.
(2) An individual who suffers distress by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that distress if—
(a) the individual also suffers damage by reason of the contravention, or
(b) the contravention relates to the processing of personal data for the special purposes.
(3) In proceedings brought against a person by virtue of this section it is a defence to prove that he had taken such care as in all the circumstances was reasonably required to comply with the requirement concerned.

:T A sound post in reply to what is a blatant and serious contravention of the law.

Arrange a meeting with your Citizen Advice office and explain what is happening (if solicitors fees are too high) and ask them to write to Egg on your behalf.

If you and the CA both send letters, Egg should then listen.

If they do not, report them to the Office of Fair Trading for contravention of the acts, as previously posted above. But don't mention the OFT to the CA: this is your last resort and your private prerogative.:grouphug:

dollop

this is a very good post,not so long ago i was in debts,and a certain cc company were phoning me up all the time,to the point where i felt very very harrased in the end i snapped and said if you phone me again i will contact the police because your harrassing me,anyway,i never got anymore phonecalls after that.

Kingswick

dollop wrote: »

this is a very good post,not so long ago i was in debts,and a certain cc company were phoning me up all the time,to the point where i felt very very harrased in the end i snapped and said if you phone me again i will contact the police because your harrassing me,anyway,i never got anymore phonecalls after that.

You have illustrated a very simple way of getting rid of unwelcome callers.:T

In fact, if people inform the debt collection agencies that they only wish to communicate in writing - then they must abide by that request, as long as you have done exactly that and offered a sum that you can afford to pay.

Many moons ago I threatened to sue a company who spoke to me like I was a piece of quano, and I received an apology.

Remember: bullies do not bargain for people standing up for themselves.:p

bank_insider

Iv'e got a great idea to stop unwelcome calls, how about paying the money back?:rotfl:

Kingswick

bank_insider wrote: »

Iv'e got a great idea to stop unwelcome calls, how about paying the money back?:rotfl:

Isn't that precisely what has been said here?

You pay back what you can afford - and then the dogs are called off?

We are talking about harrassment: most financial institutions do not harrass - so why should the ones that do get away with it?

It's about being professional and legally circumspect.

You cannot argue with that!

Dylanwing

Iv'e got a great idea to stop unwelcome calls, how about paying the money back?

Thid might come as a surprise, but sometimes circumstances change making repayment at agreed rates difficult! It might be you one day and you won't be so smug.

Kingswick

Dylanwing wrote: »

Thid might come as a surprise, but sometimes circumstances change making repayment at agreed rates difficult! It might be you one day and you won't be so smug.

Totally appropriate post:A : but since bankers (no I did not leave out the 'w' ) are often prone to what I would call extortion via their habit of taking money ad lib adsurdum from your account, who are they to pontificate?

Life, I think, is totally ironic, would you not say?! :rolleyes:

That reminds me...I wonder if the banks will be paying back all those billions they have filched from OUR bank accounts?

I wait with anticipation for a well-earned bloody nose coming the banking fraternity's way!

calibrax

bank_insider wrote: »

Iv'e got a great idea to stop unwelcome calls, how about paying the money back?:rotfl:

How about you crawl back under the slimy rock from whence you came, and return once you've located the clue that you clearly don't have at the moment...

Facetious comments like yours do nothing to help those who are struggling to cope with debt, often through no fault of their own. If you have nothing useful to contribute, then perhaps you should !!!!!!.