Jacamo

[yasminora]

Email recieved as below

 

 

Thank you for your e-mail, the contents of which I note.

 

We ask for the information so that we have a full picture of your

circumstances and make a fair and informed decision that is right for you.

 

We are sorry that we have to ask for this information from you but I can

assure you that we do ask this information of all our customers who are in

a similar situation.

 

If you are not willing to provide the information that we have requested

then we can not help you.

 

I await your reply.

 

Yours sincerely

 

Tracey Wagstaffe

 

Account Management Team

 

 

 

I really am shocked.

They seem to think and believe they have a legal right to my private health information.

It has nothing to do with owing a debt to them.

Is there nothing I can do?

 

Can i not take them to court to stop their charges?

I have sent all other letters as asked.

 

The SAR i'm unsure how that helps as it just shows normal payments etc and monthly credit charges.

 

This is the first company ever to demand medical records.

I have a friend who owes council tax and upon being taken to court wasn't even asked for medical records.

I'm really really upset and humilated.

[dx100uk]

simply follow post 5

then just pay what you say via YOUR internet banking site

 

get that reclaim going too.

 

cat debts are very low priority

ignore them now.

 

they will never go near a court when the debt contains PENALTY charges.

 

 

end off

 

take CONTROL

 

not let them do it

 

you DO NOT have to have THEIR permission

to reduce your payments

 

follow post 5 to the letter

 

dx

[BRIGADIER2JCS]

They can ask what they like you have no obligation to tell them anything.

 

Need a letter please let me know?

[yasminora]

Thank you. I'm trying to follow everything here but have to admit they don't seem to be budging. in the meantime though if it never goes to court i could end up owing thousands. Beside the £12 a month charges i'm told i can reclaim they are charging over £50- £60 in credit charges which i presume are a sort of interest on the amount owed. If they never take me to court this is going to add on over £700 a year.

[yasminora]

sorry,

can i ask what you mean by internet banking site?

 

The only way i can see to pay them is if i use my debit card on their site.

 

If i do that then they have my bank details and can just take money from my card.

(Thats not too muchof a worry because there's rarely anything in there)

 

I've asked about standing order for the pound but they won't answer me.

 

Is there any way to pay them the pound without them having my card or bank details?

 

Thank you

[dx100uk]

use YOUR internet banking portal of YOUR bank.

 

as for the interest

no you cant reclaim that

 

however, you CAN reclaim the interest EACH penaly charge has cost you to the day they settle your claim

 

use the spreadsheet provided

it will do it for you.

 

enter THEIR int rate [APR] in cell D15.

 

dx

[yasminora]

Thank you

[yasminora]

I said no i won't send you that private information.

 

It has nothing to do with me being in debt.

 

They sent the email below today.

 

I have sent proof of everything twice now but they are ignoring it unless i send my health form back.

I have also sent another letter including incoming and outgoing as requested,

evidence of higher care dla and esa.

I have not sent back the 'mental health needs form

and am shocked that it is apparently 'standard industry process' to demand all medical information

including a signed GP letter for all debtors.

 

They have said then tough we will not stop interest etc.

 

I am at the end now and too upset to carry on.

 

I'll just wait for one of their thugs to turn up and the threats to begin.

 

Point is for a debt that i openly admit to owing and am quite ashamed i cannot pay (£1300)

this is going to end up as thousands as they will carry on forever.

 

I really want to protect myself with an admin order but i can't get one because nobody will give me a CCJ

 

Thank you for your email

 

We are sorry that you are upset with our request for further information to

confirm your ongoing health issues; it is certainly not our intention to

cause any distress.

 

However, we ask for this information so that we have a full understanding

of your circumstances please note that this is standard industry practice

to ensure we make a fair and informed decision that is right for you.

 

I can assure you that this information is requested from all customers who

are in similar situations and I that any information that you provide, will

be treated with the utmost discretion.

 

The balance on your account is currently £1545.35, We are unable to consider your request for interest

free repayment arrangement at £10.00, without proof of your circumstances

and also an up to date financial statement.

 

I have placed your account on hold for a further 28 days, to enable you to

forward the requested information, however, I must advise if this

information is not received within this period the account will be removed

from hold and will run its natural course.

 

I await your response.

 

Yours sincerely

 

Rebecca Purcell

Account Management Team

[BRIGADIER2JCS]

They can state what ever they assure what ever they like, BUT demanding this level of information is certainly not industry standard practice.

I'd be happy to draft a letter for you if you like?

[yasminora]

If you could do that for me I'd be very grateful thank you.

[BRIGADIER2JCS]

I basically said no i won't send you that private information. It has nothing to do with me being in debt. They sent the email below today. I have sent proof of everything twice now but they are ignoring it unless i send my health form back. I have also sent another letter including incoming and outgoing as requested, evidence of higher care dla and esa. I have not sent back the 'mental health needs

form and am shocked that it is apparently 'standard industry process' to demand all medical information including a signed GP letter for all debtors. They have basically said then tough we will not stop interest etc. I am at the end now and too upset to carry on. I'll just wait for one of their thugs to turn up and the threats to begin. Point is for a debt that i openly admit to owing and am quite ashamed i cannot pay (£1300) this is going to end up as thousands as they will carry on forever. I really want to protect myself with an admin order but i can't get one because nobody will give me a CCJ

 

Thank you for your email

 

We are sorry that you are upset with our request for further information to

confirm your ongoing health issues; it is certainly not our intention to

cause any distress.

 

However, we ask for this information so that we have a full understanding

of your circumstances please note that this is standard industry practice

to ensure we make a fair and informed decision that is right for you.

 

I can assure you that this information is requested from all customers who

are in similar situations and I that any information that you provide, will

be treated with the utmost discretion.

 

The balance on your account is currently £1545.35, We are unable to consider your request for interest

free repayment arrangement at £10.00, without proof of your circumstances

and also an up to date financial statement.

 

I have placed your account on hold for a further 28 days, to enable you to

forward the requested information, however, I must advise if this

information is not received within this period the account will be removed

from hold and will run its natural course.

 

I await your response.

 

Yours sincerely

 

Rebecca Purcell

Account Management Team

For this please use Royal Mail Recorded Signed for delivery not e-mail.

 

Ms Rebecca Purcell

Account Management Team

 

Ref: Use theirs

 

Dear Ms Purcell,

 

I am in receipt of your mail dated xx xx xxxx which I find most disturbing and some of the statements made therein are of doubtful merit.

 

I have provided your company with ALL the relevant data necessary for a decision to be made on my offer to pay £10.00 per month if interest is frozen.

 

I find the statement that requiring such information is ''industry standard'' total unbelievable, medically unqualified operatives in a company such as yours have no right what so ever to demand sensitive personal medical data, should you wish to take this matter before a judge then please do so and I will defend my right to keep the details of my medical condition private.

 

I have clearly and honestly stated all that your company needs to know about my condition and my income and my repayment offer stands at £10.00 pcm if interest and charges are frozen.

 

Take note is you are not a person competent in making a decision on this matter, please immediately pass this communication to a suitably qualified/authorised person.

 

This is my final response on this matter.

 

Ok this will I think stir them up, no promises but it may push the to the resolution you say you want getting an ''administration order''.

 

Brig.

[yasminora]

Thank you very much. Will send that

[BRIGADIER2JCS]

Thank you very much. Will send that

 

Good Luck!!! Please let me know the outcome!

[dx100uk]

dear pleb at jacamo.

 

Having reviewed information & advise issued by the many free debt advise organisations,

The FOS. the FCA & the ICO, I am disturbed to see that not only have I no need to ever fwd any pers financial

or Medical info to any creditor.

 

I also find that catalogue debts are considered very low priority, after rent, mortgage, Ctax, Credit Cards, Loans etc etc.

 

Can I make it perfectly clear that I will NOT be entertaining anymore requests from yourselves

for any such personal information that ONLY A JUDGE can demand.

 

AS you have failed, during many recorded phone conversations & documented requests ACTUALLY to HELP ME

against all the regulations & guidelines you should abide by when dealing with venerable customers

 

I am forthwith informing you will get no more than £1PCM out of me till I die.

 

I have no intention in wasting my money to line your profit pockets.

 

see you in court.

 

dx

[BRIGADIER2JCS]

dear pleb at jacamo.

 

Having reviewed information & advise issued by the many free debt advise organisations,

The FOS. the FCA & the ICO, I am disturbed to see that not only have I no need to ever fwd any pers financial

or Medical info to any creditor.

 

I also find that catalogue debts are considered very low priority, after rent, mortgage, Ctax, Credit Cards, Loans etc etc.

 

Can I make it perfectly clear that I will NOT be entertaining anymore requests from yourselves

for any such personal information that ONLY A JUDGE can demand.

 

AS you have failed, during many recorded phone conversations & documented requests ACTUALLY to HELP ME

against all the regulations & guidelines you should abide by when dealing with venerable customers

 

I am forthwith informing you will get no more than £1PCM out of me till I die.

 

I have no intention in wasting my money to line your profit pockets.

 

see you in court.

 

dx

See post 61:madgrin:

[yasminora]

Lol I love coming here. Great advice and help but with a huge grin at the same time lol Thanks guys.

[yasminora]

Hi, have just been sent another financial statement. It is more detailed and wants to know all outgoings and incomings. It also wants to know full details of my dependants and I am absolutely not giving names and details of my children. Isn't this the sort of detailed form that a court generally asks for (without the child info)? This has dragged on for so long now. They want me to send that form and to resend evidence of DLA and ESA. It is now in the hands of 'Margaret Gwyther' who is the senior complaints officer. They make mention of my refusal to send any details re my health by saying:

 

"It is our policy to request the completion of a DMHEF form (in accordance with the MALG guidelines) and we request that customers send it to us along with a copy of our customers up to date financial statement and confirmation of the change in circumstances i/e/ a recent copy of the benefits notification letter. We request that this be completed by a health or social care worker of our customers choice."

 

I do realise I owe this money and other money to other companies, but i am so fed up with this. This has gone on for months and if a catalogue is acting in this way what chance to I have with others.

 

I wondered if someone could also advise if people like Jacamo and other catalogues can send in bailiffs etc without first going through a county court and getting a judgement. At least with that i'd have some protection and the court would see what i could afford. However, Jacamo have made it pretty clear they do not take to court so does this mean they can do anything they like without going through this process?

 

Thanks for any help

[ims21]

All of these questions have been answered in the posts above.

 

You do not have to send them the income and expenditure stuff they are asking for.

 

They cannot send bailiffs without first going to court and winning and then for you not to pay in accordance with the court's instructions.

 

Have you had your SAR data back?

 

What have you done about getting the charges and associated interest credited back to the account?

[yasminora]

Hi, no i haven't had SAR data back and will chase that. Thank you for the rest will just send evidence of dla and esa and then if they still don't agree will have no further contact until court.

[ims21]

I really think you need to be more proactive on this.

 

The SAR is, according to the posts on this thread, way overdue so you should write to them demanding the data within seven days. Also lodge a complaint with the Information Commissioner about their failure to comply.

 

I assume you have checked that they received and that they have cashed the payment. Also check that the £10 SAR payment was not credited to the account.

 

You do not need to send them the evidence of DLA and ESA.

 

Review the advice that dx has given you above as well.....all the information you need is here.

[yasminora]

I am trying to be more pro-active.

 

Its very hard for me though.

 

It doesn't matter what i do or say they are demanding evidence of DLA and ESA

and although now seem to be backing down from the mental health form

are demanding i fill in the financial statement in which they want not only information on all money in

and out down to what i spend on groceries but also my childrens details.

 

I am going to chase up the SAR but the rest of it is neverending.

 

I could send evidence of DLA and ESA as long as i blank out any personal info

 

I guess but telling a catalogue what i spend on clothes and food and who my other creditors and what i owe them etc feels wrong.

 

Everyone here is saying i don't have to send my DLA letter or fill in the financial statement so I won't.

 

Just not sure what to write back to them now as have sent all letters contained in this thread and its made no difference.

 

Thanks everyone.

[dx100uk]

you have nailed your colours to your flagpole

 

now CARRY IT HROUGH

pay them via YOUR internet banking site

whatever you have told them an ignore everything else.

 

get that SAR sorted PDQ.

 

its YOUR MONEY

take control

 

dx

[yasminora]

Ok thank you

[flexeh]

Ok thank you

 

Any update yet?

[yasminora]

Hi,

 

I'm sorry I haven't responded for months but have been in hospital

and very unwell and just really really depressed for the last few months.

 

I did speak with Jacamo when they telephoned.

I wasn't going to but they got me so angry.

 

I did say was sending £10 for theSAR and they said it wouldn't include charges etc

and would just give a basic overview of information they have about me.

Should I have sent it anyway?

 

They also said I'd not given them the information requested so tough luck.

 

I have given evidence of my higher care claim for DLA and my support group ESA claim

but they want details of creditors and outgoings and my health problems

including doctors letter which i won't give.

 

I'm drowning in the debt now.

 

Its now up to £1900 and they show no interest in stopping.

 

In fact the man was quite open about the fact they don't take people to court

and won't be stopping the charges etc.

 

This is going to turn a £1300 debt into thousands and there's nothing I can do to stop the credit interest

if they won't take me to court.

 

This could go on for years and just rise at a rate of over £600 a year.

 

Now that i'm feeling a bit better

I did email them and offer yet again the £10 a month.

 

My money now has been halved as my son turned 18.

I have other creditors chasing me but at least they stopped the interest and passed it to a debt company.

 

Jacamo won't even do that but keep adding and adding and adding.

I did get given a credit agreement which is a typed out four page thing with my name typed in at the top

and my name typed in the signature box with a box ticked.

 

I don't ever remember doing that and I know I never signed one via mail either.

 

Sorry again for not responding sooner but haven't been online in months.

 

Is there nothing I can do to get the protection of the court from them without a CCJ?

I don't want to go bankrupt and couldn't afford it anyway.

I just can't see a way to make them stop the charges.

 

Thank you for all the help.

Edited January 12, 2014 by yasminora