Dealing with Debt collectors using GDPR
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- Опубликовано: 8 сен 2024
- Peter Wilson joins me to talk about how we can win most debt issues using data protection requests.
Peter's websites: www.claimyours...
Peter's RUclips Channel: / @returntotruedemocracy
The SAR links are below:
1st SAR
docs.google.co...
2nd SAR (ICO Notice)
docs.google.co...
3rd Notice (Notice Before Claim)
docs.google.co...
4th Notice (Intent to Prosecute)
docs.google.co...
ICO Complaint site
Make a complaint | ICO
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#debt #gdpr #dataprotection
Watch out for fake accounts using WhatsApp-Me and Telegram-Me messages.
So you and Julia aren't going to make me rich?! That's a disappointment Richard 😔😉😁
The legal system so courpt I don't want to play anymore
yea me too, it makes me vomit!
i have dealt with several debt collectors using common law,it has worked everytime😊😊
Same here.
Can you help me? I have been giving debts and don’t know how to fight back
@@user-rs4zl5pn1m
Easy, just stop giving them your hard earned money
@@user-rs4zl5pn1mpeople make these videos so as you can help yourself. They’ve spent many years reading and putting into practice the stuff they’ve learned in order to get results. They’ve then produced these presentations to help you. Watch, listern, look up and put into practice. You have the power to help yourself.
Do you have any advice for me please Trevor
Thank you Richard and your guest Peter Wilson for an excellent video. Went down this road fourteen years ago and won.
This guy is on another level, really appreciated how he broke everything down logically, fascinating stuff.
After serving sar notice to Intrum, they passed me on to Capquest who have stated the deed of assignment is private. I have now served them a Statute barred notice and await response.Thanks Peter
PS: Alleged debt is over 17 years old
It's statute barred and cannot be enforced. After 6 years all debts unpaid for that amount of time are statute barred. They cannot bring it to court.
@@FHIPrincePeter yep I did know.Thanks
@@FHIPrincePeter That's not quite trye. It is a lot more complicated than that. If you have been incotact with your creditor any time during that 6 years, the clock is essentialy reset to zero.
If a debt is more than 6 years old it is subject to the limitation act. i.e if the debt is more than 6 years old then they have run out of time to collect it . If it is a deed debt then the time limit is 12 years. They have to sue you within that time to make the debt stand.
The only thing this clever sneaky country ensured is hmrc claims don't fall under statute barred, everyone else can jump.
Vulnerable household here having threats from debt collectors
Use the links Richard and Peter have given in description. Don't give up.👍🏻
I have had it two days in a row morrisons data seeka and today conexus
@heresjohnny6377 oh I won't I will never back down
Look up who's classed as vulnerable 👍
@freedoms-bv4gt I've had a stroke right side paralysed and have carers In but they put me through hell past todays sitting outside my flat all day
Switch on the 'show transcript' to take notes.
In Court the first one who gives up loses.
Truth doesn't need to be heard and is not relevant until trial.
Which could take years.
You can't win with defense, you have to go on offense.
If you don't know how to create a motion on which relief may be granted...
You will lose.
Even against a fraud in the lower Courts.
I have found out the hard way and unringing a bell in some cases might be difficult if not impossible,
so you can't let them win unless of course you owe the debt, then do the honorable thing and pay it.
However, you may not owe THEM the debt , so do your due diligence.
If you win a fraud case they must pay trebled (3 times) the damages.
So 15k might get you 45k even if you haven't paid a dime yet on a false claim.
Best to you all, this is a good episode and great information 😀
Does this 3 times the amount apply to a counterclaim on a ccj? Thanks.
@@Ash-dy8sd if you can prove it was a Fraud on the Courts it is supposed it might.
But as they say,
It may be hard to do once that water has gone under the bridge. And you may have to prove you sustained damages because of someone actions.
Negligence is not always enough.
It may be easier if the case was won by default.
And you didn't get service of Process.
You have Rights to redress but sometimes damages don't meet the Requirements for Jurisdiction.
In the Federal courts it's $75,000
You will want to use a proper plead of particulars which is rather vague in definition and misunderstood by judges and attorneys alike.
But if you claim Emotional Distress make sure you describe it and how it affected you.
That might not be enough for Jurisdiction ,
but "emotional distress" and
"wasted time" together might be enough.
As there is often case law that could back up your particular instance.
So many variables.
Your going to need to look into your state laws and procedures.
Did they violate the FDCPA?
And how much time has gone by?
Often you can get free legal advice.
Plantiffs usually win cases 70 to over 90 percent of the time.
Maybe you Case, maybe not.
If you don't owe or it was inaccurate, you might still be able to do something about it.
Fraud in my state has no time limit. So I might be able to get a Trial by Jury in the common Law Courts to dismiss or vacate the judgement.
There are fees for the Case and jury fees.
You may be able to qualify for a waiver.
It all depends.
But Fraud damages are usually trebled if you can prove it.
There's a lot of information on RUclips about different types of Court Actions.
Look up your particular kind of Case and see what might be Possible. Good Luck
Couldn't we just send our Debts to The Security & Exchange Commission, who are involved in Trading our Q.Sip on Stock Exchange, and they can go take it from our Cesta Q.V??
We are the creditors, not the debtors...🧐
*18:00** If the banks are selling our £10k debt for £200, then why can't we buy that debt for £200 on first refusal?*
@@jfilm7466 Debt is FICTIONAL.
Peter is one of my favourite guests and happy he lives not too far from me. Sound advice thank you both
Whereabouts are you im in little place called wardley in the northeast
Love Peter, he's fearless. Good advice
Hi, have you been fortunate with his advice?
I done exactly what this guy said to.PRA group are treating to take me to court,because they bought my debt from lloyds,even though i was paying lloyds monthly.
I have asked if they bought the debt or the data
Have asked for DSAR and deeds of assignment.
They have said they will send out all information.let’s see what happens.thank you for this video.
I am dealing with PRA on 3 accounts, but started with a different process and now switching to this. Got the reply on two accounts, waiting for the third, but currently they've sent me enough scrap paper to last a lifetime. Just over an inch thick. They are marvellous at avoiding questions and answering from a sideways angle, quoting any laws that serve them, just not the ones you are trying to hold them to account by. With the exception of feeling confused reading their obfuscation, it's rather amusing - have fun!
What a wonderful chap..!!
Thank you for your sincere support!
Individual Voluntary arrangement IVA
Thank you Richard and Guest
I would also serve an offer to enter into mediation to settle before Court action; that way you have completed due process. Furthermore when you are serving them a notice, it is highly likely they will pass the debt onto another agent in their chain to restart the process therefore it is always a good code of practice to include the wording : “ notice to agent is notice to principal”. IVA ( individual voluntary agreement) is you basically admitting to the debt.
On the supermarket camera thing(or any other such place for that matter) I've accustomed myself to looking down as soon as I enter to avoid the initial big cameras and at the self-service tills it's chin down on the chest all the way, as well as one of their carrier bags over the screen to stop me being filmed .. iIts now second nature and if asked by a member of staff what I'm doing , well that can elicit a rather facetious reply...."I'm an international terrorist trying to avoid being captured" "I'm trying to steal this box of eggs without being seen"....etc....
I returned a DCA outgoings form. Name, sign, dated. Then used a black marker to redact my name, signature, date. Posted back to them. Put my account on hold, 4 times in a row. Over a year now. Try it.
hi. Please expand on what you actually mean. I could not follow. Also what is DCA?
Excellent info - succinctly put.
Thanks Pete and Richard 🌼
Went to court years ago. Me , solicitor for claimant, and a judge .
I required x y z usual things and in addition I required a certificate of novation..
The solicitor informed the judge that this was not possible as other data sensitive information was on it.
Judge disagreed, and insisted on this being produced.
I was feeling positive here.
Then after a few Masonic gestures from the solicitor, the judge literally said oh I suppose so .. and found in their favour along with cost.
THIS IS THE CORRUPTION WE ARE UP AGAINST.
Yep shower of BASTARDS but there time is coming to an end, peace out!!
Had zero debts for last 25+ years..
Not being married saves a lot of debt 😂
It's fantastic if you know what you're doing? To most of us, it's information overload that a lot of us are struggling to comprehend. Im a prepper. I can tell you how to survive an apocalypse, I'll trade my knowledge for yours!
You’re terrible Spike 🤣
All if my debts are spouse related.
😂😂
It costs more to run a woman than it does to run a supercar.
11:49 Lots of shops are now mostly sending digital receipts, I ask the cashier for the printout straight away so there can be no discrepancies if stopped.
Thank you Peter, thank you to Richard 💕
Wish people could just say no but thay are so scared thay can't but I have been on both sides of the table and I really have no fear put me out of my missory lal💜🙏💜
Wow he’s so prolific like a ping pong 🏓 ball bouncing back after every hit 💥 🏐
You put all letters in the bin, you Never talk to the companies or the baillifs and if you're worried about your car, just park it away from your house. You have to become "legally" invisible.
Another cracking interview Richard. When I start earning I will try to support your work. Much love
Peter is a very clever man thanks Richard top video
BRILLIANT! Thanks both. You get better and better! Super helpful comments too!
I Have been saying this for years...!!!!
Contract (rights of third parties) act 1999 along with Law of property act 1925 s136 and Law of property (miscellaneous provisions) act 1989 - they're done!! 🤣🤣🤣🤣👍 Additionally you've no contract with the third party and no implied contract would satisfy all four elements of contract law, 1) offer, 2) acceptance, consideration and 4) ICLR (intent to create legal relations). Ultimately they're all processing your data unlawfully and you can sue them and get money out of them, plus harassment etc... The whole "taking control of goods" is unlawful as they don't have authority from the courts so are in breach of schedule 12 of Tribunals, courts and enforcement act 2007.. what else? 🤣🤣🤣🤣🤣👍
As Gary Waterman has pointed out recently, is the company registered correctly on Companies House? Many of these companies are trading illegally and unlawfully!
Loved Peter’s story at the end. Made me chuckle.
great interview, thank you for all the information, very helpful
This guy is Feckin awesome, he is so clued up it's staggering, one of the best videos on the net.
There the Debtors in possession operating in the public...the people are the Creditors in fact
Incorrect- the people are the Beneficiary.
Your parents are creditors, because they registered you. The corp state is the Trustee, you are Beneficiary.
Excellent info. This is amazing information
Yer man Peters a gem!
A truly 'wonderful interview', Richard, many thanks to you both.
I've done this and the judge blocked my application under legal privilege
The babkers book of evidence act 1879 section 7 should give us access to that information
Judges won't allow you access therefore you cannot get a fair trial
Park your car away from the house, don't answer the door they're not allowed to force entry for a civil matter, That is unlawful and therefore a crime.
It is interesting although I am not sure if true; but it was reported from Cali that the electric cars on the "never never" drive themselves back on their own....
Like "bumper cars" that run out of tokens so wont "go" anymore...
Sounds true...but who knows. Could be the future for "electric" based vehicles. Programmed to "GO HOME" back to the Rental Company/Credit Company.
Thank you - brilliant
Yards and yards of linen are needed to quell the hunger of the gibbon
I used the 3 letters for the last 15yrs for friends. 9/10 it stopped the debts for them. Thank you for the new updated ones :)
What 3 letters?
What 3 letters can you explain please
Also make use of "Unless Orders" that is Unless the information is disclosed within a certain time, their claim will be struck off.
swicth on the 'show transcript' to make notes
No contract return to sender.
Amazing interview!
They do buy the debt..the only one they don’t is council tax..because they can’t..
Voting (proxy) & signing at the polling Station makes you liable for the councils debts
What debt?
@@junglemaster2014 their debts council tax is a ad vorlrem tax
All of CPR 31 (Including 31.6) does not apply to Small Claims, but you can use 31.12 to make a special request.
A I V A Independent voluntary arrangement usually runs for 5 years .Max that they can run is 6, so not sure what he was saying about 10 years.
If you reduce payments
It extends the time
Or come into money
They want it and will add on years to collect it
So that not entirely true 🤔
I dont know if im right i think after 5 years your not libel for a debt , they cant take blood from a stone .
6
It’s 6 years in England & 5 years in Scotland for debts to be barred but you still do owe the money it’s they just can’t take you to court
The thing is the vile company Lowell had a CCJ placed on me 6 years ago without me knowing.. I haven’t paid anything. Can’t even really remember about the debt it’s been so long
Hi Peter thanks for setting up and helping with my trusts
Question. Can we go after debt collection agencies that have given up on us, after say, we've done the 3 letter process and they've failed to produce the evidence? I'm thinking about going after Equita, who I've not heard from for well over a year now, after doing a search on Trust Online to see if there was any outstanding warrants or court orders on the public record. There wasn't, so I forwarded a copy to them and they vanished lol. I'm thinking of doing a DSAR and demanding they provide all data, including the deed of assignment and copy of a warrant. Take 5 grand off the bar stewards for all the stress they put me through.
how do you do the search?
Perfect timing, i have just received a letter from the debt collectors demanding me to pay the outstanding bill to my water company. I told the water company last year that i was willing to pay,when they come and test my water for contaminates. Which they have not done. My water stinks of chlorine and god knows what other nasty contaminates. Also just received a text message from Scottish power debt collectors demanding payment, or they will escalate the recovery process, including legal action to get a warrant for my property. PLEASE, PLEASE HELP ME PETER, many thanks 😊
£4999 would be a better compensation figure as the court application fee jumps at 5k or more.
I want them to know everything about me , so then they know that I'm absolutely fearless , they prove everyday they are frightened stiff of what I know .
Lowells say they purchase an account, they do not say debt, then they say that they are confident that you would be liable for the balance of the account.
🧠Stellar
Will Share!
Very interesting show, with guest star Pete. I always attend recorded program. I would appreciate, does SAR work against bailiffs in the same vein as in Council Tax, outstandings?
Have anybody taken supermarket( aldi have camerac in front of each terminal) to court for filming without permission?
I would consider first becoming a lawful rebel post master letter carrier and stand under common law as it seems to be an easier route.
Thank you both for this - great triming as I have just submiited a SAR to a EA!
What about 9 tenths of law …if they have the debt it’s now there’s ..
Interesting I pay cash I am always asked in Sainsburys do I want a receipt my answer is yes because I paid cash!
It’s strange how they’re all asking if you want a receipt, I use mine to check how much things have gone up in price, because they’re sneakily putting things up very slowly on a weekly basis.
@@cgat1955 completely agree
@@cgat1955 This is an EU thing brought into the UK at around 2015. Or at least I know they did this by law in Italy long before it came in over here, and I think it's something to do with tracking cash sales. The Italians under-report their earnings (which is not surprising!)
I was working in a shop when this came in, shortly after a visit to Italy (with an Italian native) and remember it changing here.
In the US there is an Act called CanSpam that requires an opt out button on notices and it must be apparent and easy to find. Non compliance is actionable. Sometimes the TCPA telephone consumer protection act will apply as well. With fines from $500 - $1500 per incident. I have a case of 154 incidents this is accumulative with no limits on the amounts one can collect it can go into the millions
Excellent information💥 Thank you both🤗🇬🇧
Law of Property (Miscellaneous Provisions) Act 1994 (just in case you attempt to quote this act in Scotland; it doesn’t apply) I believe it comes under the :
Requirements of Writing (Scotland) Act 1995.
Great richard 👍
Also by parking companies threatening people
Trust's Beneficiaries Trustees.
Some claims can and should be ignored.... if everyone made claims against everyone else without any evidence to back it up the would be turmoil.
By trying to solve the problem ..YOU ARE ADMITTING YOU HAVE ONE!!!!!! And a debt!!!!
spot on! wipe ur butt with it and then have a beer!
Great guy 👍👍 !!
You remember billbo baggings getting hi's house solded of sorry spellingv
This vid neatly addresses a robust defence against a corporation who have an outstanding lump sum as a debt. What most of us really need is how to deal with the energy companies whose excessive charges we are refusing to pay, and how to defend ourselves from being forced to accept either a Pay-as-you-go meter or even worse, a Smart Meter. How do we defend ourselves against energy companies who want to change our meters by forced entry?
Maybe your answer to this is on a recent video Richard did with using their bill and paying with your trust.
Brilliant. Please do a US equivalent!!!.
Data protection act is very clear
lowell portfolio 1 ltd say that a debt does not need to be in form as a deed, and they have a private sale agreement between themselves and the original creditor and there is non of our data and information and nothing about our accounts are contained in the sale agreement, so how are we party then🤣
Thank you ❤
What's the problem, it's just digital fake money 😆😆😆
Hello mate, is there any chance you could wire me a few grand, I need £8000 to be precise 🤔
It could be smashing if Peter started helping people to get the compensation on half/half share 😊
Silent phone calls also
3:30 according to a previous Vibes guest The guy who wrote The Title Is Unimportant says that the original owners if the debt IE a credit card company if you don't pay they claim the debt on their insurance that they take out in you after about 90 days and then sell the debt for pennies.
Which guest is right? So many mixed and confusing info.
Also if one energy company sells their business to another, transferring all their customers accounts and data is this lawful?
Also what if your energy company goes bust and Ofgem shares your data with a 'supplier of last resort' another energy supplier. Where would one stand as there is no mutual agreement with the new 'supplier of last resort' no contract T&C's?
Thank you I need this info right now
CBDC will take your money at source, then you try getting your money back ?????
I wonder has this would apply to HMRC? I'm currently having some fun ascertaining my obligation to pay based upon the non existent contract between myself and the Revenue knobs?
Anything that forces them to admit openly, or fail to attend court would be delicious. 😊
Good luck their all agents of the Cabal they need taking to task 😮
@andrewdavies7827 I've sent a NOC with questions regarding my obligation to pay seeing as Iam a flesh and blood man, not a corporation as they imply. The lack of contract between our 2 parties. My desire not to become complicit in Genocide based upon my contributions. Etc. I gave him 28 days to reply. Then they sent me another notice to file my tax return. But I don't have to pay 23-24 until Jan 1st 2025 now. But I will recieve a £100 fine for not filing. Which Is a repeat of my last notice to file. I'm going to write 2nd Notice that notices their notice. But will ask in a bumbling Columbo ambush style why none of questions were answered. I will then probe as to the legitimacy of their claim. Due to my withdrawal of consent to be robbed to pay for wars, climate change, every single male of fighting age and fucking foreign aid, while my own people are being persecuted.
Then I will suggest (not state) that this all has the scent of fraud about it and I will need my questions answered. Or else they agree that this is fraudulent activity and that every penny I have paid in income tax has taken from me unlawfully and that I therefore paid it in error and now require it all back. I will also attach a fee schedule for each time they omit to answer my questions. And the 3rd letter if nothing is confirmed will be to move to a prosecution.
Howzat!
individual voluntary arrangement
What do you know about that 🤔
So we can send for all information on the birth certificate trust securities
But if you ain't got it thay can't have it but who is trying to rob you lal💜🙏💜
When do they ever say we bought the debt? They tell you they are working on behalf of their client . They have bought it ..but they don't don't tell us that
It is so funny since the data law that’s all that is done 🤦♀️ is breach of data! I wonder which way the law was made 😂
The word he is looking for is "Agency". 🎉🎉🎉🎉
There are many bad reviews about Darren Norman and Peter Wilson. People say these two screw others for money. Raising awareness.
What about Scotland? It is my understanding the Law of Property Act 1925 does not apply in Scotland
I cant find a Email to get any help.... Another deadend
How do I apply this knowledge in Australia? Please? Can I contact Peter Wilson or does he only deal with UK cases? Or can Peter send us to someone in Australia who can help us with this ? 🙏❤️😇
Debt collectors DO buy debts. I hate the idea but it is a fact, like it or not. I know, I once worked for Capquest.
What debt, prove there is a debt?
Where’s the signed contract?
Is there anywhere else we can find the links? Did you say they were on one of your websites Richard?
thanks for this. I received a letter from DCBL unpaid parking charge notice, can i use these letters provided to for this parking?