I think it is less abouty folks placing blame and more about those who should, not taking responsibility. Eg in this case the insurer should have taken responsibility. They are in the business of risk and when things don't go their way they have to accept that that is when they pay out. Eg SOGA and used car sales. All to often you hear of car dealers who abdicate their responsibilities to their customers. If people took "responsibility", there would be no need to "blame" but unfortunately we live in a culture where one does not have to be responsible.

ACT of God....there is no such thing as God. Insurers should come into the 21st century and stop using this stupid excuse for their failure to beat the gamble that an accident wont happen. What you descibe sounds very much like a process resulting from a combination of forces overcoming the friction and gravity that held a ridge tile in place leading to the tile taking a trajectory that eded at the bonnet of your car. God...indeed!! If my insurer ever tried this one on me, I would take them to court and demand that they prove God caused the accident lol.

Without prejudice Hi Paul, While you are doing whatever you do re this kind of problem, can you confirm for me the address to which a Data Subject Access Request should be sent, preferably the address which is registered with the ICO - preferably the holding company for your whole group. I would specifically be seeking data related to this dispute, action taken (or lack thereof) in response to emails, notes taken during phone calls of which I have recorded a few, cctv footage from the store etc amongst other things. I have asked Rentsmart for this information but they have not provided it. I trust you will provide it. Additionally, I have invited Rentsmart through their solicitor at their DCA to a meeting with the press to explain this matter. I have not had a reply. I would be grateful if you could push this along. KV

Anyway, regardless of this, the SLC have a long sorry history of using disreputable companies ( Known by SLC to use direputable methods ) to collect what they must know to be statute barred debt, and as far as the bigger picture goes this must be stopped.

I'm afraid I have to disagree. Link should not take any steps that could expose the data of the OP. Their action is no different from me calling up your mum and saying, "Hi there, can I have the ghost's address, this is Miles from the Brighton Pink Clinic calling....." This must be reported to trading standards. BTW the number is 08454 040506.

3.15 (ii) . This has happened yet according to the op, but watch out for it.

3.9 (b) disclosing debt details to an individual when it is uncertain that he is the actual debtor For example, disclosing debt details to an individual occupying the last known address of the debtor, without first establishing (by suitably appropriate means) that he is the actual debtor.

see also 3.15 ©

As the friend was aware that the contact was from Link, I think it is highly doubtful that Data Protection Principles were followed calling into question Link's tenure of a credit license. See OFT Guidance 3.18 and 3.21 ©, 3.23 (a)

Have a read around. Getting currys to follow through on an isurance claim is like having teeth pulled.

If you have any 6 year period of not acknowledging the account in writing or by payment it is statute barred. You need to report this DCA and The Student Loans Company to trading standards. The SLC is well aware of the unlawful lengths their DCAs go to chase debts and as such need to be reported.

I'm 100% with you on this fred.

The other thing to consider is that any add on protection / insurance that Currys / Pcworld sell you is worthless. You get more protection from SOGA which comes free - although no one at PCWorld /currys will tell you that.

My problem with Ryanair is that they are like pikey tarmaccers. Cheap, but when they go wrong they deny you any comebacks and really take advantage of vulnerable passengers. I am a regular flyer with Ryanair and on the occasions where things have gone wrong, it is obvious that they want to make it as hard as possible to resolve problems - a fax number in Dublin - who uses faxes nowadays? I regularly fly out of Cacassonne and there is a little ryanair sh1t there that every time picks on elderly people to try and fine them for the size or weight of their bag. It's disgusting. If there was another airline that flew to Carcassone I would take them.

Come on Nadine, Take ownership of this problm and get it resolved properly. This is a disgustiing level of service... and you should be ashamed of it!

Perhaps you should start your own thread...?

Take advice form a Union before you raise any complaint. By all means collect evidence, keep records / diary of problems etc but wait for formal advice before raising the issue officially.

The forestchav is correct.

I think your best appoach in the first instance is to not arbitrarily stop paying but to have open dialogue with them and say what you are able to do. Make sure you do so in writing and keep detailed records. Do not ring them unless you are recording the call. Good Luck!

http://www.consumeractiongroup.co.uk/forum/showthread.php?298492-Lloyds-TSB-Lloyds-harming-my-credit-file&highlight=lloyds Food for thought. Send them a notice, informing them that you will be invoicing them for each day they harm your reputation. They are able to do an "Emergency" update to the CRAs which takes no more than 48 hrs to show on your file. So don't give them more than 48 hrs grace. Also note, that having mortgage companies search yuor credit file over and over, in itself will have affected your credit file detrimentally so perhaps you should explore seeking compensation for this. When you do get a mortgage, you may find that because of the record of previous search(es) your credit score is lower, and therefore the interest rate offered to you on a mortgage deal is higher!

If they can't comply with the cca within 12+2 days then they have to put on hold or you can stop paying until such time as they find it. With the SAR, in theory they should respond with everything within 40 days however if there are data items that are archived or difficult to find it is reasonable for them to write to you and explain that it may take a bit more time to find what you need.

There was talk a while back of the Sudent Loans Company defualting credit files of debtors who's account had become statute barred years previously....I don't know whether they ever followed through on the threat.

Let us know how you get on....

Check your credit file. Despite the worry you might have about the state it may be in, this is more than outweighed by the sense of empowerment you will feel when you finally are able to see your whole financial picture. It will not be as bad as you think and I promise you will feel more confident about how to handle things by doing so

Ufortunatley, their priority is not to get their money back. Their business model is based on getting people like you entrapped in a perpetual cycle of debt. They want to turn you into a cash cow:sad: