I am aware of the new GDPR and DPA2018 Rules. I was next of kin and his executor of the will, therefore, they have no need to drag heels as I have given authority for solicitors to act on my behalf. They just don't want to have a claim against them and drawing out aslong as possible.

Thank you Andy. Since I last posted nearly a year ago,I have instructed a solicitor to act on my behalf. Ascenden have been dragging their heels for nearly 3 months now on issuing a SAR for my deceased husband. The solicitor has all my information. I have given old letters with my husbands name on, and his death certificate and our marriage certificate which have proof of his signature. I have today received an update from my solicitor. " Since our last email, we have been in correspondence with Acenden to challenge the response. Acenden are claiming that they are not required to release documents and information related to Mr. ?. The solicitors here are challenging this assertion and hope to be able to obtain the full unredacted documents. We will be in touch when we have more information for you. Apologies for the significant delays to Acenden’s response – we are doing what we can to challenge them." It seems from what the solicitor has told me, from my SAR, that they are looking at unlawful possession of the property. They have seen how they have played in to us being in arrears. When the sale of the property went through, it wasn't just interest added, but a shortfall of the actual mortgage itself. The monthly payment being made was only paying interest off and not repayment making us over 3 years missed mortgage payments. It has never shown on my credit record at all since possession in 2012.

A mortgage is 12 years to claim. This does not show on my credit file. I'm a bit dubious on sending a SAR in case they start harassing me again. There is also the fact that once repossession occurred, it would be an unsecured debt, therefore am I out of the timescale and would it only be classed as a loan? Catch 22 really!

Hi It's been a long time since I wrote her about SPML. I started the above thread which gained a lot of response. In 2011, I gave up my fight due to my partner comitting suicide due to the stress and years of fighting and getting nowhere in court or through FSA. The property was repossessed and 9 years ago. Since then I have had serious illness and surgery. My brain doesn't work as good as it used to due to neurological problems, but, I'm back and ready to fight a new challenge. For the sake of everything I went through fighting for our home. I'm looking at going for Mis-selling, against the broker, as the financial advisor is retired. Unfair charges for late payment fees, Arrears management fees, Litigation Management fee and any other fee they have on there that they slapped on with Ascenden as they are ones who put the final knife in the back. A mortgage for £96k and apparently owe £158k on total of mortgage and a shortfall of £58k. Credit File is clear and never shown them on there in the last 5 years. What I am wanting to know is - Has anyone challenged and been successful of the above? If so, could anyone direct me on where to start please.

I'm worrying over nothing then really? My husband has said the same,it's most likely a review.

that's predictive text for you!! Was meant to say spinal! Corrected it now.

I have received a letter from the local service compliance stating 'we're reviewing your benefits and circumstances, you must come to an office interview'. It further states 'we need to talk to you about some changes that may affect your benefit payments'. I am on ESA support and PIP daily rate, due to a hereditary condition and major spinal surgery and complications it left me with. I don't work and husband is my carer. I am worrying myself sick,as already suffer mental health and anxiety aswell as my existing problems. Neither of us work or had any change in circumstances that haven't been declared since my last visit. The reference on the bottom of the letter is FESL2T. Has anyone else had letters like this and shed any light on what it means?

Thanks, but my surname has also changed too,how do I go about that?....send copy of marriage certificate?

Hi I am wanting to claim back PPI on an old RBS mortgage, loan and Package bank account. The person I had a joint account with is now desceased and I have no paper work with any account numbers. Do I send a SARS first with a copy of the death certificate? Thanks in advance for any help

The company that issued the charge (UKCPS) already have all my details, my name,address etc! Skypark Ltd do not have any contract of business with UKCPS. The whole point is that I refuse to ignore it, as I have in black and white,a written contract to have been parked at the date and time of charge. I'm not quite sure if my previous post has been mislead! The email received is from the company I paid to park my car for the week (airport parking) UKCPS are the company chasing me for £100. Skypark Ltd have no binding contract with UKCPS and I am not the only customer to have received an invoice for £100.

I have this morning received an email from Skypark Ltd in.which I have copied and pasted and the contents are below. I had also contacted the wrong Skypark company hence why no details could be found. It appears Skypark International Business Estate, from within which we operate, has been subjected to a Rogue attempt to place Parking Tickets during the night, indiscriminately, on most if not all cars parked within the Estate without, we believe, any legal right or entitlement and, equally, wholly unenforceable. The Police have been informed and are investigating both the Company's right and validity to issue and the manner in which they are operating that appears to be both illegal and clandestine to say the least. We are taking legal advice on how best to deal with the matter and thereby advise and protect the several Customers of Skypark LIverpool who may be affected - which at present we can only determine once they email or contact us following receipt of the follow-up Notices such as yours now being issued. In the interim, to protect yourself in principle, may I suggest that you formally respond in writing to the Company - UKCPS - by Letter, keeping a copy togethr with a Certificate of Posting (an FOC Service available from your Local Post Office) and declare that at the relevant Date & Time your Car was under a Contract to Park with us - Skypark Ltd t/a Skypark LIverpool - and any commuincation or enforcement whether legal or not should be re-directed and addressed to us at our Head Office address - as set out below. Under no circumstances should you pay or offer to pay any Fine, but otherwise merely refer any further contact from the Company over the matter back to us without delay. We can only aplogise for any inconveneince being caused or created, but are of the opinion that we and the Estate in general appear to be the subject of a malicious, illegal, unwarranted and wholly unenforceable Parking Fine [problem]. Please feel free to pass this letter direct to the Company in question as both substantiation of your Parking Contract with us and our vehement reaction to the attempted extortion of a Parking Fine without proven or justifiable legal right or entitlement.

It states it on the letter I received both the words PARKING CHARGE and FINE. I wouldn't even call it an invoice just a poor worded letter.

Had a lovely holiday in Spain for my 40th! Booked the holiday through a travel agent including airport parking. Been home a month,and received a parking fine from UKCPS for £100. My car had been parked for the week on Skypark Liverpool and the reason for issue was WITHOUT A VALID PERMIT OR AUTHORITY. Apparently a notice was affixed to the windscreen of my vehicle, nothing on the car windscreen or was told about this by our meet and greet rep for Skypark. I have contacted Skypark Liverpool and their head office in Blackpool. No response from Liverpool but had a response from Head Office who can't find any of my details including car reg. I am now awaiting the travel agent to email the booking ref over. In the meantime I would need to appeal the charge to UKCPS. I want an explaination as to how I have received a parking charge when I have paid for a weeks parking? ! This was our first time abroad with my family. Has anyone else suffered at the hands of these charlatans?

Hi Is there a letter template to send former employer requesting for wages that haven't been paid? Any help appreciated. Thank you

Hi all to cut a long story short. Moved to a new build last year. Built in 2009 builder went bankrupt. Housing association took over property. Changed gas supply but couldn't do it as mpr no wasn't registered to the property called shipper who confirmed we had a crossed meter with another property over the road which was registered as a block of flats even though all are houses in cul de sac. Ahipper confirmed that all gas used would be abolished and no bill would be issued. I have all the old bills in the builders name dating back to 2009. Now British gas have tried billing us from last year but the date does not tally to when we moved in and it has now been passed to a dca. Any help on what can be done as hitting head against brick wall with this one?