yes, the tree has knocked down the Victorian Wall and my 30 ft Magnolia, has been chopped in half. My insurance cover's me for upto £250 per tree. This is nearly the excess

How do I go about claiming from their insurance?

and another: I found them to be the worst company I have ever dealt with by far. I regularly spoke to my 'named contact' but he seemed unable to do anything at all. Everthing had to go through their processing centre in India. Long story short, a simple remortgage took over 5 months - ended up going into my local branch who were stunned at the incompetence. Even their complaints team gave up and suggested I went to the ombudsman, which I did. Got £600 for the extra interest I paid - never mind I must have wasted 30 hours on the phone/writing letters. Got my fingers crossed for you.

Some past history of these idiots existing customers to enlighten everyone Re "Extremely poor customer service. No one takes responsibil" posted by visitor at 13:54 08/08/03 they lost our mortgage application as well, and I was an existing customer!! they literally did nothing for 4 weeks that we were in danger of losing the house we wanted to buy (and I will give kudos to Standard Life here for being very quick and efficient!) - so I had to cancel my mortgage which cost me £4k! so doing nothing + lying about the application being processed = £4k - nice work if you can get it. They offered us £500 - after my MP got involved - and even the FSO won't uphold my complaint, so now I'm looking for other avenues - media, online claim, etc, etc. Their customer service is very poor. and another example:mad: 13:54 08/08/03 Extremely poor customer service. No one takes responsibility for chasing up a query, when you do eventually get a name and a promise to call back, no one ever does and the named individual is suddenly not available. We have explained our particular situation to them any number of times and no-one takes any notice. It has taken nine days for them to even acknowledge that they have received an application (they lost it until someone actually looked in the relevant in-tray), then they tell you that you are at the back of the queue due to their incompetance!

I've just had the worst case scenerio of bullying and harrassment by staff and BM,

MANAGED ADJOURNMENT YESTERDAY AFTERNOON, FAXED THEM THE EVIDENCE AND THEY THEN SAID OOPS, PLEASE HELP WITH COUNTER CLAIMING, ADJOURNED 'IDIOTS' ONLY SENT THEM THE EVIDENCE OF THE 'APPLICATION FOR DISCOUNTED RATE' THIS HAS NEARLY BANKRUPT US. AND IN THE MEANTIME, I HAD TO PRIORITISE DEPTS, SO, COULDN'T AFFORD TO PAY ONE LOAN. £500 PER MONTH THIS HAS COST US. AND THEY HAVE DONE THIS BEFORE. CAN I MENTION THIS IN N9A. I HAVE ASKED THEM FOR BANK CHARGE, THEY HAVE SAID NO, CAN I SUBMIT THIS. INTEREST HAS ALSO INCURRED. I HAVE READ THE FOLLOWING:- without prejudice Save as to Costs Re OFFER MADE PURSUANT TO part 36 OF THE Civil Procedure RULES Dear Sirs /Madam Thankyou for the above letter of xx Dec 2009 of which the contents are noted. In response,the following proposals are put forward in the interest of reaching a mutual amicable settlement. We are considering persuing this claim by way of a counterclaim in respect to the PPI and Unfair charges applied to the account and also in respect of the Claimant's unlawful conduct with view to compensation. In regard to the default charges levied to the account for alleged late payments.The Court and yourselves will be aware that these charge types and the recoverability therof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 (The Office of fair Trading v Abbey National PLC and others 2009 and would further contest in a counterclaim that such charges are unfair in their entirity.We would also point out that if the claim was to proceed we will request Specific Disclosure for yourselves to provide copy of the executed Agreement. With the above in mind we feel that it only fair that a more realistic figure of xxK would be acceptable and payable in instalments. We look forward to hearing your response Yours faithfully BUT I NEED THIS FOR MORTGAGE OBVIOUSLY.

Having gone thru five years ago subprime litigations with Paragon/Mortgage Trust who are unregulated I am still here to tell the story but bearly and luckily for the grace of god my husband and I stayed together with our two kids who are now sitting A levels, we also have 'our home .... with the two dogs' The FSA are beginning to get there act together very late in the day 'probably because of CAG and other's' There were financially contraints that we have incurred but with the help of this site I have 'thru the skin of my teeth' managed to survive. So, they are over and done with It's my standard variable morgage on my main residence with one of those REALLY NICE BANKS/BUILDING SOCIETIES. How my opinion has changed like many a bit like questioning a Doctor, this site has certainly opened the floodgates. Hello, can anyone help please

A little relunctant to mention there names this Friday is the date. I have a number of option's for N44 as my illness may means I may not be able to walk there. They r aware of my illness, which has declined over the years. I rang the bank concerned yesterday as I want to pay them half of the money now and the rest later when the money comes in a couple of weeks time(which they know!!) a little amount from Probate. However, I cannot access my current account online, or by phone to make any transfers due to not having correct details. Which to be fair, I simply haven't been able to remember passwords etc. I have tried to explain 'which is difficult' , because I do have a few passwords, that have come thru while my mum was dying for eight months with the funeral arrangment too. This was 'beyond my control' and as and when so needed I have had to nipped into the branch but regular errors started to imerge as i haven't been able to do this myself online. The cashier's tranfer money from 'current' to 'mortgage account' which has 'two accounts' in one . £7000.00 went astray most recently and this is such a 'simple preceedure' but it causes them much 'brain ache'. I have had this account for 20 years and my parents/grandparent like-wise. I was left in a position when the last 'suspended order' meant strict deadline's . I travelled ten miles to the building society with £1000 in cash. When I got there I was told, that they couldn't take the money due to take over and no cash tills. Hello!!! your order?? heres there money!!!! no we can't take it!!!! (What, shall I take it to the Judge??) I took the initiative to instruct them, that fortunately I banked with the other bank that had just took them over, this 'cash' could have been from this current account that I hiked ten miles to do to put the blikin money back in!! So, I then said, now what do we do?? Give you the money, now what. Giving them the initiate to get them out of there own crap, lets do a bank transfer, well couldn't do that either cause they didn't have there 'correct bank account nor sort code. Can't take cash, or do bank transfer the only way I could get this money through was to set up a direct debit with the idiots 'who said' there is no other way. I don't do standing orders or direct debit with my mortgage as to previous history with being refused/charges the the strict court dates where the money has to be in the account by close of that day. So, direct debit had to be set up, as any cash or bank transfer weren't available and nothing was in place for future payment. Which then bounced, because I didn't transfer the money on time which was bloody typical. I have been here when I was probably one of the very first people to be effected by the subprime industry, as new cager's nobody really understood the severity I just had to tell my story by which time my illness was taking hold.

4 years ago I managed to get a suspended order, possible due to the judge seeing my illness. Well, it's happening again. I was very wet behind the ear's having never gone to court and I have found 'what I would call serious, it appears from the paperwork, from all of there misdemenours, our house nearly went for repo. for £500. I ask this for 'time allowed to show judge' or is it 3 years? There solicitor during court hearing said twice said some charges had been returned as a 'gesture of goodwill ' and indeed they had offered a very favourable interest rate as' another gesture of good will' (Stories) I paid for the new discounted rate and when I had all the evidence, (which they were really ****ed off about) you can't pay for something then not get it, took nearly a year to sort out, so made a complaint to the FSA which at the time I thought they were really taking seriously. But they began legal action and 'clobbered' me for the lot which was £5000.00. I have all the paperwork to show this eventually not including interest of 8% then dropped to a measly £500. How do they keep getting away with it the repo made me really poorly. You r probably wondering why I have let it happen again. I assure everyone, that once bitten twice shy, I gave them written notice six week's proir for the discounted rate. 12 emails confirming this. Then took a ' lump sum' too in order for me to get this 'discounted rate'. I have copies of the originals of the new rate. I then began chasing them about the sudden missing document, and they have lied for another twelve months again with repo again with the FSA going der. I actually pay lump sum's I wont do direct debt with this company anymore. However, today even that is a proplem, because I have no online access and no access via the phone, so making a payment I have to go into the branch. However ... on paying, if I don't come up with the correct instructions to do a simple transaction .... the monies go into another account. This needs to ben shown to the judge as well, shall I video and give a copy to him and the other solicitor. This 'lovely man' (NOT) has been three times, while my hubby is away, he told me he was merely ' a link between the customer and the bank' which was a new service. He then said I will some in a couple of day's to get some money (3 time's he told me he wasn't from a debt collection company) I did take a large lump sum into the bank, rather than pay him but this money has gone a stray also, because I hadn't got the details of the 'building society' sorting code and correct account number when actually doing a bank transfer This causes them so much mayhem 'why can't they get there stupid heads around' such a simply transaction. I may call him back and video him he started to look rather hot under the collor, when I said, You see I have this illness and my husband is away and I cant use the banks phone line or access the internet. So I have copied all this stuff, He has written my illness and the fact that my mom had recently died with the same illness. The court date is nearly one year to the date of mom's death if that rings any bells. I think I need to give myself time, do I come up with the skeleton arguement, for the seven minutes. How do I get the judge to see what they have done or indeed is there no argument 'because' of time and 'gesture of good will' crap!!

My dog is very very sick; he went to go for a general operation, called Entropion; which is an inward rolling of the eyelid margin. This causes the eyelid hairs to rub on the cornea. This began when he was only eight weeks of age. We were waiting for him to mature to see if it affected not one but two which it has. The operation couldn't be done as when the vet went to put the anaestic in his mouth his jaw wouldnt open and came out with a dibilertating illness that depending where you read maybe terminal. He has given me no facts, just a massive dose of storiods and to pop and see him in a few weeks time. This illness has been misdiagnosed and they have failded not once, twice, three but four seperate checks from when he was a pup till now the age of 2. This is a specialist area with diagnosis good on prompt action and medication immediately. The vet gave me a verbal diagnosis on Friday morning. When I began to get upset as to the reasons of why no-one other than there bloody receptionist picked it up last year....as to the fact the his head and temples had strunk, sunken eyes, salivating and looked completedly different from his sister last year they have said it was normal and just his breed, until he was about to be operated, and his mouth just wouldnt' open he just said sorry. I'm just besides myself; all this may read all over the place; that there about to take me down the route of the 'standard operation' in the future when his jaw has cleared up!! A Subject access request needs to be sent but what would be the correct wording to them as someone has pointed out and get lists of all the telephone calls, the ordinary blood count seemed intersting. They have just called, as I want all three practicioners in a meeting for Wednesday. This is down right cruelty as my dog is so ill and they have tried to lighten it by saying the illness is not going to harm him. The one Practactioner has just told me it's nothing to do with him, it's his partner and the other vet. He knew nothing about this condition. When I have explained the severity and if they had done any blood tests, he said that I was over re-acting and that once the 'lock jaw had been sorted then they would operate again shortly on his eyes. They have just started on the 'we dont appear to have any information on on your dog. Both dogs have had the usual 'puppy love' and what we thought was very top class veternary care ... to discover they dont know anything about it __________________ 12break3

Thanks

Can I join in or do I need to start my own thread .... My dog is very very sick, he went to go for a general operation that couldn't be done and came out with a dibilertating illness that depending where you read its possibly terminal. He has given me no facts, just a massive dose of storiods and to pop and see him in a few weeks time. This illness has been misdiagnosed and they have failded not once, twice, three but four seperate checks from when he was a pup till now the age of 2. This is a specialist area with diagnosis good on prompt action and medication immediately. The vet gave me a verbal diagnosis on Friday morning. When I began to get upset as to the reasons of why no-one other than there bloody receptionist picked it up last year....as to the fact the his head and temples had strunk, sunken eyes, salivating and looked completedly different from his sister they have said it was normal and just his breed, until he was about to be operated, and his mouth just wouldnt' open he just said sorry. I'm just besides myself; all this may read all over the place; that there about to take me down the route of the 'standard operation' in the future when his jaw has cleared up!! A SAR needs to be sent but what would be the correct wording to them as someone has pointed out and get lists of all the telephone calls, the ordinary blood count seemed intersting. They have just called, as I want all three practiniors in a meeting for Wednesday. This is down right cruelty as my dog is so ill and they have tried to lighten it by saying the illness is not going to kill him. The one Practactioner has just told me it's nothing to do with him, it's his partner and the other vet. When I have explained the severity and if they had done any blood tests, he said that I was over re-acting and that once the 'lock jaw had been sorted then they would operate again shortly. They have just started on the 'we dont appear to have any information on on your dog. Both dogs have had the usual 'puppy love' and what we thought was very top class veternary care ... to discover they dont know anything about it [/url]

Also ... Does this apply for income-capacity and disability benefits? A recent post, apply for deductions to be made at a nominal rate from your income support payment to pay towards your arrears of Council Tax. The amount of deduction is set by law at £2.90 per week for a single debtor and £4.55 per week for a couple. This amount is irrespective of the amount owed. The regulation for this is below. • Council Tax (Deductions from Income Support) Regulations 1993 S.I. 1993/494.

'm having a problem with the Council regarding Tax Exemption (A) for a property totally gutted for 18 months then refurbished for another 6 months. Initially, they awarded us only 50% for the 1st 12 months as unfurnished instead of the full exemption for 'major works' that they have now just adjusted. There appears to be yet 'another grey' area in this totally confusing system that they apply as and what that feel is correct when billing. A recent quote from this Council: We have decided that the property is exempt from Council Tax but please note that this exmption is limited to 12 months from the date the major work was needed or 6 months from the date it was completed, whichever is the shorter. After that you will have to pay 50% of the full council tax (assuming the property remain unoccuppied and unfurnished) The property was undergoing work for at-least 18 months and only unfurnished for last 6 months. Can anyone explain, am therefore restricted to the 12 months or indeed 18 for the full exemption then 50% for the last 6 months. (I have read the word 'indefinately' on some council's website) Thanks:?:

After reading this thread, I'm in tears your relief must be overwhelming. Congralutions to you all.