I just have to inform you of the way I have been dealt with by Saga Home Insurance. I had an accident at home, I tripped and fell on my laptop as I was going outside, as I am not the smallest of people not only did I look and feel too well the laptop was toast. It had a lot of damage but as I have accidental damage on my home insurance and have had for the last 15 years, I have only ever made one claim for a carpet the kids spilt paint on some seven years ago I rang Saga to see if I was covered. They arranged to have it collected by a company CIIS, in two days’ time. I asked if I could keep my hard drive as it had files on it I needed she said that’s fine. I expected a little delay as the bank holiday weekend was upon us and called Saga a week after it was collected. They informed me that the report from CIIS had arrived that day and a claims adjuster would call me. That day they called and arranged a telephone interview for a few days later. On that call I was asked several questions like the ones you have when you fill in the application form, then the questions started, have you had insurance before, who was it with, who was it the year before that, when did you buy it, how much was it have you got the receipt and more questions not relevant to the claim. I told her I paid cash for the computer some 7 years ago and didn’t have the receipt, she said they would need a bank statement to show the money withdraw I explained I didn’t have this and have moved banks since and didn’t think I had withdrawn cash from the bank to buy it. She demanded pictures of where the accident happened as well as the hard drive to show proof of ownership. I have the owner’s manual and original recovery disc, power supply but refused to give up my hard drive. Having been a victim of identity fraud as well as a computer security consultant I know how much data can be recovered from people’s hard drives. I have never been questioned in such away, I was made to feel like I was a criminal. I sent her the photographs of where I fell as well as the picture of the cuts and bruising I suffered, thanks to my wife who said to take pictures of my leg just in case. She informed me of receipt of the information and informed me they would investigate and wait for the final report from CIIS, who had sent a report a week ago so I don’t know what that is about. I rang today to be told they are still investigating and they didn’t know when a decision would be made. They are quick enough taking the premium but want you all to know, a cheap quote even off a supposed good company isn’t always the best.

The failure to comply with a CCA request under the CCA 74 Act is, I believe, no longer a criminal offence under the OFT definitions and guidelines. Some CCA draft letters have included the phrase ' it is a criminal offence under the Act'... However, while it is not an offence under CCA74 is it an offence under CPUTR and if so does it need including in a CCA request or is it just huff and puff ?

Hello, * Background info: 5 years ago, I lost my photocard driving licence (on a night out) and around 2 years after that, it was returned to me by the police. They would not give any details as to what the ID was used for during that time. * Now, I am undergoing regular employment screening for a new job. Never had any trouble with the police, no cautions/charges/convictions. I recently had a phone call from the organisation conducting the screening, asking a few questions about where I have lived/worked/etc. Referring to an address in the city where I have never lived before. Apparently, my details are 'similar' to another person who has been involved in criminal activity. They concluded that I would need to have my fingerprints taken to confirm that this person is not me. I will soon receive information in the post and will have to arrange an appointment at the police station to have this done. I have a strong feeling that whilst my driving licence was in the wrong hands, it was being used for something foolish. I called the police about this, but they were not helpful and simply suggested I complete the data protection form (and pay £10) to release any information held about me. My concerns: 1. Will this false information stick with me on the PNC for the rest of my life, or can it be removed? 2. What if I fail the fingerprint check too, for whatever reason? For instance, my house was burgled a few years ago and the police took my fingerprints so that when dusting the house, they could disregard my prints. What if these are the prints they have on file for me! Please advise me on what to do. Many thanks.

http://www.credittoday.co.uk/article/14160/online-news/crook-hid-criminal-past-to-get-consumer-credit-licence