Grrrr - Prestige Finance Ppi

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

will do, so thats Prestige Finance, Melbourne Mortgages and ?????

- thanks Sparkie x

TUTTSI

Don't forget to double check with the ICO about the data controllers licences for all 3 of the firms

Processing your personal and financial data without a licence to do so is a Criminal Offence also.

Sparkie

[Sparkie1723]

Re: Grrrr - Prestige Finance Ppi

This is what the OFT say TUTTSI

• It is a criminal offence to carry out any activity that requires a consumer credit licence before a licence has been issued to you.
• Even if you have a licence, it is an offence to carry out any licensable activities that are not covered by that licence.
Unlicensed trading is punishable by a fine, imprisonment, or both.
In addition, if any of your customers were to default on a payment, you would not be able to enforce a credit agreement that you had made while unlicensed, or where an unlicensed credit broker was involved.
An agreement for the services of a credit broker, debt collector, debt adjuster, debt counsellor, debt administrator, credit reference agency or provider of credit information services cannot be enforced if the agreement was entered into when the business was unlicensed.
If, for any reason, you have been trading without an appropriate licence, you can seek a validation order from the OFT. If an order is granted, your existing agreements will be treated in law as if you had been licensed when you made them. You should note that the OFT is not bound to make such an order.


OH Forgot to anwer your question the other company is Prestige Loans Ltd.............I'm getting older and more senile every minute

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

which are the three companies

Prestige Finance, Melbourn Mortgages and who els????

[Sparkie1723]

Re: Grrrr - Prestige Finance Ppi

which are the three companies

Prestige Finance, Melbourn Mortgages and who els????

Just answered that I forgot

Prestige Loans Ltd ......Co Number 01080632

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

Copy of email now sent to the ICO 'notification@ico.gsi.gov.uk'

I do hope that you can help me I am trying to ascertain whether the following three companies who are connected to each other by virtue of Directors hold the appropriate data controllers licence for each company.

Melbourne Mortgages Ltd – 03086412

Prestige Finance Ltd – 01080632

Prestige Loans Ltd – 03596019

If this email has come through to the wrong department please can you advise me where this query should be passed to or forward this on my behalf.
Many thanks in advance.

[Sparkie1723]

Re: Grrrr - Prestige Finance Ppi

Copy of email now sent to the ICO 'notification@ico.gsi.gov.uk'

I do hope that you can help me I am trying to ascertain whether the following three companies who are connected to each other by virtue of Directors hold the appropriate data controllers licence for each company.

Melbourne Mortgages Ltd – 03086412

Prestige Finance Ltd – 01080632

Prestige Loans Ltd – 03596019

If this email has come through to the wrong department please can you advise me where this query should be passed to or forward this on my behalf.
Many thanks in advance.

That's the way to go TUTTSI.......I can't find any of them on the ICO register.......but confirmation from the Horses mouth will also cause them some BIG BIG problems ..........the info on your credit file will have been supplied unlawfully and you can get it removed get ypour fact and then they will do a deal with you I am sure.......pressured in the right manner..............the ICO will confirm verbally by phone if you ask to be put through to notifications

Sparkie

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

LOL if they have updated our credit file they will be in BIG BIG problems I promise you. I also prefer to get the answer in writing and that the ICO know that they do not have the appropriate licences so they cannot wriggle out of it.

Cheers Sparkie xx

That's the way to go TUTTSI.......I can't find any of them on the ICO register.......but confirmation from the Horses mouth will also cause them some BIG BIG problems ..........the info on your credit file will have been supplied unlawfully and you can get it removed get ypour fact and then they will do a deal with you I am sure.......pressured in the right manner..............the ICO will confirm verbally by phone if you ask to be put through to notifications

Sparkie

[Sparkie1723]

Re: Grrrr - Prestige Finance Ppi

LOL if they have updated our credit file they will be in BIG BIG problems I promise you. I also prefer to get the answer in writing and that the ICO know that they do not have the appropriate licences so they cannot wriggle out of it.

Cheers Sparkie xx

I would check your credit file just to see exactly who is supplying the info about your loan, bet its Melbourne!!................"Fight On"....

Once you have the info off your credit file and the confirmation from the ICO......you can draft a letter to Melbourne that will blow them out of the water.........remember any new licences or additions to licences are not retrospective

Sparkie

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

I take it that once the ICO pick up that they don't hold a licence and or the correct OFT licence for doing what they are doing with debt collecting both the OFT and the ICO will start to make their own enquiries so wont this alert them that something is going on? I just hope that the ICO and the OFT dont give my name to them

What pishes me off is that Melbourne are and have been for a long time a dormant company yet we get regular post from them and have had debt collecting letters and doorstep collections from their agents who they instructed and yes we do have on file evidence that Melbourne instructed the doorstep collectors even though we had an arrangement in place with them.

I am looking forward to seeing how this unravells as I am sure as eggs are eggs you are 100% right - you have a nose for these type of companies making big blunders.

Tutts xx

I would check your credit file just to see exactly who is supplying the info about your loan, bet its Melbourne!!................"Fight On"....

Once you have the info off your credit file and the confirmation from the ICO......you can draft a letter to Melbourne that will blow them out of the water.........remember any new licences or additions to licences are not retrospective

Sparkie

[Sparkie1723]

Re: Grrrr - Prestige Finance Ppi

I take it that once the ICO pick up that they don't hold a licence and or the correct OFT licence for doing what they are doing with debt collecting both the OFT and the ICO will start to make their own enquiries so wont this alert them that something is going on? I just hope that the ICO and the OFT dont give my name to them

What pishes me off is that Melbourne are and have been for a long time a dormant company yet we get regular post from them and have had debt collecting letters and doorstep collections from their agents who they instructed and yes we do have on file evidence that Melbourne instructed the doorstep collectors even though we had an arrangement in place with them.

I am looking forward to seeing how this unravells as I am sure as eggs are eggs you are 100% right - you have a nose for these type of companies making big blunders.

Tutts xx

One thing you must get right Melbourne are not a dormant company they are active ...It is just Their accounts that are dormant.
BUT even so they cannot collect debts

See Below.....trust me I do have a nose for things like this...............they are in serious trouble with the Debt Collecting business any arrangement made is void....obtained by deception and countless other breaches of statutes.
This is all they can do and ONLY this

Current Applicant / Licensee:

Business NameCompany Registration Number Melbourne Mortgages Limited 3086412

Categories:

Consumer credit .....Credit brokerage....... Provision of credit information services, excluding credit repair


Sparkie

Name & Registered Office:
MELBOURNE MORTGAGES LIMITED
88 CRAWFORD STREET
LONDON
W1H 2EJ
Company No. 03086412


Status: Active
Date of Incorporation: 01/08/1995

Country of Origin: United Kingdom
Company Type: Private Limited Company
Nature of Business (SIC(03)):
6523 - Other financial intermediation
Accounting Reference Date: 31/12
Last Accounts Made Up To: 31/12/2009 (DORMANT)
Next Accounts Due: 30/09/2011
Last Return Made Up To: 01/08/2011
Next Return Due: 29/08/2012

Remember I'm not a lawyer I base my views on facts and logic

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

Response from the ICO received today. So it appears that they are registered according to this?


Also, we have checked our credit file and Melbourne have never reported any data on our credit file.


Melbourne Mortgages Ltd – 03086412 - Z2760327 expiry date 7 July 2012

Prestige Finance Ltd – 01080632 - Z6749647 expiry date 27 May 2012

Prestige Loans Ltd – 03596019 - Nothing found

That's the way to go TUTTSI.......I can't find any of them on the ICO register.......but confirmation from the Horses mouth will also cause them some BIG BIG problems ..........the info on your credit file will have been supplied unlawfully and you can get it removed get ypour fact and then they will do a deal with you I am sure.......pressured in the right manner..............the ICO will confirm verbally by phone if you ask to be put through to notifications

Sparkie

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

We received a call today from Prestige Finance, first time we have ever received a call from them since inception of the loan as it is usually Melbourne Mortgages. When o/h called them back they have a separate telephone number and again we have never ever had any contact with them so are they reading this thread lol.

[TUTTSI]

Re: Grrrr - Prestige Finance Ppi

The OFT have now responded to my enquiry so I followed the instructions and type in the name of the company and their licence number and nothing shows up.

What a useless site the OFT have.......I will phone this person tomorrow as that is not good encough that they do not answer individual questions.



Tel
(084) 5722 4499
Our ref
EPIC/ENQ/E/112348
Fax
(020) 7211 8877
Date
22 September 2011
Email
enquiries@oft.gsi.gov.uk






Dear Mrs Tuttsi


Thank you for your email of 10 September 2011 to the Office of Fair Trading (OFT).

The details of everyone who has a licence, has applied for one, or had one revoked, suspended or varied, are available to the public in the Consumer Credit Register. You can access basic information. You can check when a licence began, the types of activity it covers, the authorised trading names and main business of the licence holder.

You can access the Consumer Credit Register at www.oft.gov.uk/consumercreditregister and then clicking on CCA search on the right-hand side.

The OFT has duty to enforce the Consumer Credit Act, along with Trading Standards Services (TSS). If trader carries out any licensable activities that are not covered by that licence you may wish to raise your complaint to the TSS, where the trader is based for it to consider investigating the matter of unlicensed trading in their area.

I hope this information proves helpful to you.

Yours sincerely

Gurpriya Tooray
Enquiries and Reporting Centre

[Sparkie1723]

Re: Grrrr - Prestige Finance Ppi

The OFT have now responded to my enquiry so I followed the instructions and type in the name of the company and their licence number and nothing shows up.

What a useless site the OFT have.......I will phone this person tomorrow as that is not good encough that they do not answer individual questions.



Tel
(084) 5722 4499
Our ref
EPIC/ENQ/E/112348
Fax
(020) 7211 8877
Date
22 September 2011
Email
enquiries@oft.gsi.gov.uk






Dear Mrs Tuttsi


Thank you for your email of 10 September 2011 to the Office of Fair Trading (OFT).

The details of everyone who has a licence, has applied for one, or had one revoked, suspended or varied, are available to the public in the Consumer Credit Register. You can access basic information. You can check when a licence began, the types of activity it covers, the authorised trading names and main business of the licence holder.

You can access the Consumer Credit Register at www.oft.gov.uk/consumercreditregister and then clicking on CCA search on the right-hand side.

The OFT has duty to enforce the Consumer Credit Act, along with Trading Standards Services (TSS). If trader carries out any licensable activities that are not covered by that licence you may wish to raise your complaint to the TSS, where the trader is based for it to consider investigating the matter of unlicensed trading in their area.

I hope this information proves helpful to you.

Yours sincerely

Gurpriya Tooray
Enquiries and Reporting Centre

Hi TUTTSI
Typical first response from the OFT......yes do that ring the OFT up and ask the question direct ask them to check their system for you.
B******y Morons

Sparkie

[rudiruby]

Re: Grrrr - Prestige Finance Ppi

Sparkie - where did you find this data - CCA lapsed
they are trading now july 2012 but they werent in sept 2011 ?