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    • now owned by Kensington  prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  have a look at post 8 here Trying to find contact details for prime credit 5 S.a.r.l - Welcome Finance - National Consumer Service  
    • Really? I don't think we would have known.
    • matters no they know it early as it twill be a bland generic defence nothing specific. Lowell claimform - old Talk Talk landline/broadband debt - Financial Legal Issues - National Consumer Service    
    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
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      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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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
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DPA Court Action - does anybody know ?


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Hi All,

 

I've done all the necessary to get an SAR from RFS ltd (Renault financial services) however, they have completely ignored all correspondance, despite all letters being delivered and having cashed the £10 payment cheque ! ...so I'll have to file in the small claims court to force disclosure.

 

RFS are part of GE capital, which is owned by the HBOS group, so I'm wondering if I can claim that my local court has jurisdiction in this case, as HBOS has a local branch (RFS would be Chester) ....obviously, it would make life a lot easier for me to do it in my local court rather than Chester, does anyone know if I can do this ?

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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Are you sure GE Capital is part of HBOS? Capital Bank is most certainly, but I was under the impression that GEC was still US-owned (although HBOS by provide them with office facilities.

 

As for court action, complain online to the ICO that having sent a SAR with payment there has been no response, that will start the regulatory ball rolling - as for the lack of disclosure, a Small Claims action will cover this but will be for the full fee even though at this stage you are not chasing money. Effectively you are forcing them to provide the information required under statute.

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yeah sorry, it is Capital Bank, not GE Capital ....what I need to know is - can I lodge it in a scottish court and claim jurisdiction because RFS (although based in Chester) is part of the HBOS group, which does have a local branch in Scotland ????

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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My answer to this at the moment is 'maybe'! I'm pursuing Capital Bank, but their data coimpliance people are not based in Chester, but in Trinity Road, Halifax. ONce I get my SAT sorted out I will pursue them, but if a consumer contract you can take your pick of Halifax or Edinburgh, whichever suits you best, depending on the amounts involved.

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what I really need to confirm is - that it is valid to summons them because the Group that they are part of, has Scottish branches as - RFS themselves DO NOT have a branch in Scotland (that I know of anyway)

 

so basically Im saying - the court has jurisdiction because RFS are part of Capital Bank, who in turn are part of the HBOS group, who have branches in Scotland ! lol

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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I'm also wondering 1) if I can use exactly the same wording that's on alanfromderbys template letter for the court application ?? .(...as I haven't seen a scottish version on here) and 2) does it have to be to a named person, or can I just put "Data Controller" ...they have ignored completely, so I don't have any names to state !

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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