I made A SAR against the A & L (Santander) and rec'd a pile of useless screenprints from them which are useless. I wanted all letters and communiques relating to my loan agreement but didn't get these. Apparently I need to make another SAR and be more detailed in my request Do I have to pay another £10, to the same lender (for the same agreement) for another SAR? Thanks yes or no will be fine appreciated

yes, it talks about historical info being destroyed due to their retention policy though it was only in 2005 but i want a specific report prepared by the A & L into why false signatures appeared on my original loan agreement and i haven't got that. surely the SAR covers all letters relating to my loan and the issues therein? so there is no recordings about the PPI misselling in which i refused PPI but had it forced upon me which is very convenient for the A & L my case is with the A & L at present

I'm in dispute with the A & L and submitted a SAR and today rec'd a pitiful amount of info. I know they have tons more info regarding my loan. They submitted a report to the FOS regarding false signatures on my account etc and I want to see this and other letters relating to this. Are they legally obliged to send me ABSOLUTELY EVERYTHING relating to me and my loan account? thankyou

thanks guys, will try those two refuse to bank with the spanish on the grounds that they they are appalling obliged

RBS as sold its branches to Santander. Santander are a nightmare. My credit rating is damaged so which banks will consider me : Natwest? Co-op? Thanks SD

was told this afternoon that they have at last rec'd and logged my ESA Appeal. I only posted it by DWP internal mail last Friday morning! Useless. Went in the job centre on Monday, Tues and Wed and it was EMPTY on all three days with employees simply stood around scratching their arses doing nothing. Why are these people being paid? I also sent a GP supporting letter but they cant confirm if they have rec'd that or not? Why? Dont they update their systems to actually record the arrival of important documents!!!! What is going on with these people? thanks anyway guys

I submitted my ESA appeal last Friday morning at my local job centre so it went through DWP internal mail. As of this morning it still hasn't arrived or been logged which delays payment of my ESA and Housing Benefit. That is either incompetence or a deliberate attempt at delay. The JOb Centre have this morning agreed to scan over my ESA Appeal to BDC which is around 2 miles away but they can't do it at present because it takes time and they are busy even though the job centre is completely empty. I had arranged an AJAX appointment through the DWP for the scan but when i arrive they had no record of it. Useless How long does it take to submit and get the appeal logged onto the system?

I was wondering that since the Natwest are part of the RBS Group would it be easy to transfer my RBS account to the Natwest? Would Natwest allow that? As anyone done this? My credit rating is pretty bad so I doubt other banks would take me on though i'm not a bankrupt or IVA etc. cheers

The most important thing when faced with a situation like this is to maintain an income. If I was faced with your dilemma I would claim JSA then reapply for ESA when the time limit expires. At least you'll get your CT and Housing Benefit reinstated. You cant pay the bills with fresh air mate GL

thanks for that people. have been turned down by Barclays already will try Natwest and Co-op I cannot afford to be at the mercy of Santander in terms of them 'setting off'. I left Lloyds for precisely this reason. Gonna speak to RBS on monday about setting off rules for them when the takeover happens. thanks again

I bank with RBS that as been bought by Santanader. My account is then switched over to these fools in 2011. I dont want to bank with Santander. I have a 11K loan with Alliance & Leic which as been transferred over to Santander but is with the FOS at present. If my account is transferred over to Santander then I am sure they will try to execute the offsetting rule and take money from my account for this loan My credit rating is very poor and I claim benefits. Does anyone know of a bank other than Lloyds that offer people like me a bank account (that allows DD's and SO's). I cannot bank with Santander. I have heard some many bad things about them Sorry if this is wrong thread Thanks

kelcou thanks for that do you know the process once the GL24 form as been submitted? i have heard they can simply reverse the 'failed medical' decision without even going to another medical or tribunal I am assuming the tribunal is the final leg of the process once your appeal as been declined? I get the feeling that no matter what is said or what evidence is offered that they'll still fail people

As anyone on here already completed form GL24? I need to know exactly what to write and what, if any, supporting evidence I need to submit also ie GP and Neurologist reports? Can I submit supporting evidence separately after the GL24 submission? thanks a lot

it's very difficult to fight the system which explains why many 'play the system'! there are many genuine claimants and in fact we all believe ourselves to be 'genuine and honest claimants' but there are many who 'swing the lead'. I know it happens regularly so ATOS/DWP have a difficult job sometimes I believe the Govt do not trust GP's to be objective and unbiased. I suspect the govt also believe GP's can be put under pressure by their patients (whom they have known for years) to compose biased reports etc and so ATOS/DWP now simply ignore them

hh yes, on the ESA50 I wrote down my GP and Neurologist but it seems they have not requested reports from them. The ATOS medical 'person' who took the medical was obviously NOT professionally qualified. He was quite simply pathetic. He had no idea what a grand mal seizure was because I asked him and he couldnt answer! What a pillock!! It is quite obvious they are, as a matter of policy, failing as many as possible irrespective of the evidence On my last medical I got 15 points (prior to the new Lib-Con govt) and after the election of Cameron etc and without any change in my condition I got 0 points. Explain that to me cos I cant understand. Two different decisions based on the same evidence. Already asked DWP for GL24 and the medical report and will complete and submit asap. good luck

I failed my recent ESA medical and this is what they said: 'You scored 0 points using the information from@ - The questionnaire you filled in recently -the report of the medical assessment you had on xx/xx/xxxx' ie they did not even request a medical report from my GP or Neurologist. they say I have not had more than one fit in the last 6 months. this is a total and blatant lie, fabrication and assertion in direct contradiction of the evidence and what i told them. can ATOS/DWP make a decision in 4 working days and without seeing my medical reports? Is this decision valid even though they haven't seen reports form my GP and Neurologist? Who can I complain to? thanks sd

antone In message 12 you refer to a BDC. What is a BDC? thankyou sd

antone when appealing an ESA decision do you have to, once again, submit a 'sick note' from your GP in similar fashion to the assessment phase until the appeal decision comes through? zorro01 i'm simply gonna appeal, focus on my condition and how it affects my ability to work, submit a GP and Neurology report (again) and see what happens. I dont see what a MP can do but maybe they can assist in some manner but not sure how?

antone when appealing an ESA decision do you have to, once again, submit a 'sick note' from your GP in similar fashion to the assessment phase until the appeal decision comes through? zorro01 i'm simply gonna appeal, focus on my condition and how it affects my ability to work, submit a GP and Neurology report (again) and see what happens. I dont see what a MP can do but maybe they can assist in some manner but not sure how?

Santander have bought 350 RBS branches and in 16 months those accounts will be transferred over. If you are a RBS customer you will have no choice and you will become a Santander customer I am not happy about this. I have heard Sant are abs useless It applies to many RBS branches in England. Go to the RBS website and put in your sort code to see if your branch as been sold to Sant any thoughts?

I have severe epilepsy but on meds. I learned this morning that I also failed my ESA medical. I made an appeal request while on the dog & bone to the DWP. I am on 2 types of anti-conv meds and have had epilepsy for nearly 25 years ATOS/DWP are quite simply taking everyone and anyone off ESA as a matter of policy imo the evidence i presented was totally unambiguous and yet they failed me but passed me on the first occasion 9 moths ago based on the same evidence. that isn't logical in the slightest confronted with the same evidence they made two completely different and conflicting decisions. explain that one SD

I have epilepsy and when i have fits I see little point in telling my GP., What can he do? Nothing. I take my anti-convulsants yet my epilepsy continues. I failed my ESA medical this morning and now have appealed. I think the DWP/ATOS are more interested in 'recorded episodes' but i could be telling lies to my GP. How would he know anyway? The doc only knows what i tell him it seems ATOS/DWP are removing people from ESA whether they like it or not and in the face of medical evidence

Just been told by the DWP that I have failed the ESA medical. Even though my epilepsy has worsened since Xmas they obviously have chosen to overlook that fact and simply rejected my arguments. I am awaiting the actual letter and appeal form GL24. How can I be fit for work when i'm having a grand mal seizure on the kitchen floor from which it takes around 5 days to fully recover only to have another one 4 weeks later and then another one and then another one! mystifying but it seems they are now deliberately, as a matter of policy, and systematically failing people in contravention of overwhelming evidence

I have a PPI claim still with the Financial Ombudsman and still awaiting for it to be allocated to an adjudication officer after 6 months. I do know the firm have submitted a report to them but I want to see that report. The firm is A & L. In a letter to me they have already said the signatures on my loan are indeed not mine. Can I submit a SAR to the FOS even before they have made a final decision on my PPI claim? I am becoming annoyed at the lack of progress now. Thanks, yes or no will suffice. regards SD

People see a healthy body and person but the problem lies deep inside the brain which of course is hidden from view. Seizures can hit without warning, 'whack' and that's it your life comes to a halt for a week or so. An employer will not tolerate a person who cannot give consistency of attendance I have no choice but to claim ESA. I have worked all my life and have had epilepsy all that time but have lost many jobs due to time off for seizures If they take me off ESA i will go ballistic. It is a recognised neurological ailment. Unlike most other supposed ailments like depression, anxiety etc seizures mean you are UNCONSCIOUS! You cannot do anything because you are not 'alive'! Even people with missing limbs etc know they will wake up in the morning. I dont have that luxury even with medication Stress triggers my fits and lack of cash! anyway chill and take care cos im off for a week