Yes all complaints have been raised with aviva but there's so much to submit will have a look at it properly tonight hopefully

response from ICO Thank you for your email of 13 June 2022. We still require the evidence as outlined in my previous email to show that you have raised the issue with Aviva yourself, and fully exhausted their complaints process. Ideally we also need a copy of their response to you. As an independent regulator, we cannot raise complaints with organisations without individuals raising them first. Please see our guidance here: Raising a complaint with an organisation | ICO Once I have this, I will look at your case again.

thank you soo much! contract- the terms ot agreement werent sent to myself but were emailed electronically to an email address that wasnt even mine. Question to Aviva is, did they carry out sufficient checks to ensure that the actions they were taking were lawful under DPA/GDPR ? Legal obligation - electronic acceptance was taken but it wasn't my own acceptance as the email the documents were sent to wasn't mine and I was entered into a credit agreement without my knowledge , payments for the policy were made from another bank account not my own. At no point was I spoken with throughout the policy so basic DPA wasn't even exercised. Did Aviva employees handling the policy arrangements fully comply with Avivas own guidance which would have been drawn up to meet requirements under DPA/GDPR ? What did the guidance Aviva employees follow actually state at the time in xx/xx/xxxx when a third party was arranging Insurance in someone's else's name ? Did Avivas guidance suggest referral to Avivas Data Protection Officer when there were any concerns about processing policies and data ? is this ok to add to the above letter so I can reply please x

can someone help me draft a response to the ICOs email please I have a scanner on my phone too so I can scan what they want me to send

gosh what a nightmare! What should i say to the ICO I've got a massive box of correspondence how am I meant to send that over to them

if nothing adverse is on over next few months do I assume they've written it off ?

nothing is showing adverse on my credit report yet

I just feel like im going round in circles no one is willing to listen Nope he won't put it in writing even though he knows full well what he's done but I'm a bit perplexed as to why Aviva have stopped sending me default notices last one received was Dec 4th 2021

received response from ICO as follows I've not had any correspondence from aviva since December not sure what is happening but this is ICOs response and I don't know how to respond Thank you for your correspondence of 21 February 2022 regarding a complaint about Aviva and please accept my apologies for the delay in responding to you. Our office is currently dealing with large volumes of work. This has meant we have been unable to deal with incoming correspondence as promptly as we would like I have now looked through the documentation on the case. It appears your complaint may relate to a matter of fraud. The ICO does not handle matters of fraud and we advise people to seek advice from Action Fraud in such cases, or to seek their own legal advice. If it is not regarding fraud, then before we can consider your complaint further we need additional information from you. Please reply to this email, quoting the above reference number with all of the following Copies of any letters or emails you sent to the organisation complaining about this matter. Copies of any letters or emails they sent back, showing their complaints process has ended. If you have not yet complained to the organisation we would strongly recommend that you do so to give them the chance to put things right before raising this matter with us. We have information on raising a concern with an organisation that may help you with this. Without this information we may be unable to consider this matter further.

Are we now happy with the letter and extracts are we adding the quote me happy part in letter I feel that's important

Thank you

https://transfer.aviva.com/en/privacy-policy/

These are the credit agreement statements Adobe Scan 20 Feb 2022 (3).pdf Credit agreement it seems that an electronic tick box is agreeing to the agreement but again this would have been sent to Mr Z on avivas portal and on his email address ending in icloud.com Adobe Scan 20 Feb 2022 (4).pdf I cant attach the screenshot of avivas data protection ill email that over to yourself

FoS decision extracts from the final findings Adobe Scan 20 Feb 2022 (2).pdf

Yes I've sent this before

Quote me happy is part of Aviva insurance How can a sub part of their company say a policy set up in Aug 2019 was fraudulent but Aviva deny the rest

Is this worth mentioning and adding in as an extract as quote me happy are part of Aviva and they said insurance fraud had happened and they cancelled the policy to inception date Adobe Scan 20 Feb 2022 (1).pdf

Will do thank you

Yes I will get the info and add it to the post thank you will be later this evening

Ok so you're wanting an extract of the credit agreement, the conversation of how policy was set up from FOS investigation and a copy of avivas own policy

I'm not sure which extracts you're referring to I did ask earlier too

Yes I've read the agreement part are we going to mention the bank chargebacm and why aviva didn't challenge this ? Premiums were fully paid he went and reversed this in late 2019 via a bank chargeback Apart from that I believe the draft is fine

@unclebulgaria67 yes that's right I havent consented to a credit agreement @BankFodderI remembered all these points as I read the letter and mentioned them yes i willlook at the letter again thank you

@unclebulgaria67from the credit agreement statement it appears as a monthly direct debit