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Milly Weeble

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Everything posted by Milly Weeble

  1. Hello Everyone, I took out a car insurance policy with Tesco Bank Car Insurance on 16.03.2015 and emailed my proof of NCB on 19.03.2015. I was told by them that I should receive an 'auto-response' email, which I did. It was stressed to me however that I should receive a confirmation email that the NCB had been accepted and applied to the policy, which I haven't. I therefore rang them today to ask them for this confirmation and they said that all calls were recorded and could confirm that they had indeed received and applied the NCB. They said that because I hadn't supplied a mobile number they couldn't send the confirmation of NCB, as they usually do this by email and text message (even though they have my email address). After hearing horror stories about Tesco Bank Car Insurance I was immediately concerned as something didn't feel quite right. I stated that I would still prefer something in writing, and they said (begrudgingly) that they'll get "someone from the back office" to put it in writing and I should receive something within 10 working days. I also rang them because their policy states that the main driver (me) and the named driver had held a licence for 10 years, when in fact I've held a licence for 17 years, and the named driver 25 years. They said that because I applied online it defaults to a 10 years maximum. Could this be classed as incorrect information should a claim be made? After hearing that people have had their insurance cancelled without their knowledge, the question is, should I be worried about any of this? Best wishes, Milly
  2. The flat I'm in now is a 3 bedroom property. I'm not in receipt of benefits, so I suppose renting privately is an option, but I'd lose all the tenancy protections I currently have (having lived here 4 years+). I merely made a 'small/minor' complaint about the noise made by the cleaner. It is the HA who have needlessly escalated the complaint and involved the police.
  3. In summary, it states (I can't copy and paste due to the legal wording on the email): Re: Verbal aggression - this is a very serious matter and - HA will not tolerate or accept this type of behaviour - breaches the terms of your tenancy agreement - should this behaviour continue then the HA may consider legal action. It looks to me like they're making it up as they go along. It also appears to me to be a malicious counter-complaint. Cheers, Milly
  4. It was around 8.45am, she was singing and banging loudly (slamming a manual vacuum cleaner against every skirting board). The problem is that the flats do not have sealed front doors, they just have fire doors that don't buffer any noise (or drafts) from the hallway. If someone is speaking when entering their flat, it sounds as though they are in another room to your own. I explained this to her before Xmas, but since then the noise has increased. I appreciate the type of door isn't the cleaner's fault. Best wishes, Milly
  5. Hello caro, and thanks for your message, I received an email response from the HA, which corroborates my version of what happened, in that the HA suggested police intervention, which I declined as being heavy-handed and unnecessary. They also state in their email that the cleaner made a complaint about me (only after I had complained about her) and took the next step and reported me to the police. I clearly stated to the HA that neither me, nor the cleaner were aggressive, but I did say that I was disturbed by the confrontation. It is the HA who suggested police intervention. I believe that the HA would have also encouraged the cleaner to report me to the police. All I did was request that the cleaner stop being noisy. The email then goes on to state that I am in breech of my tenancy agreement and threatens me with legal action. I just don't know what to do...Shan't be sleeping tonight methinks. Best wishes, Milly
  6. Hello citizenB, and thank you for your reply. I made the complaint over the phone, but sent the following email as a follow up: --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 'Dear XXXX, Thank you for your email. Further to our telephone conversation earlier today, I would like to enquire as to whether or not [name of housing assoc.] have any 2 or 3 bedroom properties available that I could potentially move to (I am not in receipt of any benefits, and therefore would not be liable for the 'bedroom tax' and can thus afford more than one bedroom)? I ask this as I no longer feel safe or secure residing at XXXX, especially as a single occupant. So far I have had to call the police due to harassment from the resident in number X, there have been several incidents of anti-social behaviour from the residents at number X, there have been incidents of criminal damage to cars parked outside (car tyres slashed), we were informed prior to the new year that there had been a burglary, and finally today's incident. Any information you could provide would be appreciated. Yours sincerely, Milly --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- I suppose the email shows that I had made a complaint, but it doesn't show the nature of the complaint. Best wishes, Milly
  7. Dear All, I made a formal complaint to my housing assoc. about excessive noise made by one of their cleaners (who cleans the communal stairs in the flats where I live, and who I've asked not to make noise before). When I asked the cleaner to stop making such excessive noise, she was rude toward me and I was a bit shaken up about it. When making my complaint to the housing assoc., they suggested that I complain to the police about the cleaner if I thought they'd been aggressive. I declined and said that I thought it was unnecessary to involve the police and that complaining to them was sufficient. Two days later (today) I have been visited by two police officers, who claimed that the cleaner had now said that it was me who had been aggressive ! They advised me that should she be noisy again not to speak to her directly and to contact the housing assoc. I asked if I was being charged with anything, and they said not. I also asked why it was deemed necessary to send the police, when an email from the housing assoc. would have been sufficient?! I feel utterly intimidated by the whole thing, and believe that the housing assoc. are abusing their power and authority. Can I be arrested/prosecuted for this specious complaint? Anyone know what my rights are? Or if there's anything I can do about this? Best wishes, Milly (worried)
  8. Thank you for your response unclebulgaria67...they've already taken the money (within 29 hours of the alleged reminder) and said they'll make a refund, minus the charge. I've got time on my hands, so I'll write a letter of complaint (once my money's back in the bank!) then take it to the FOS
  9. Dear All, I have been charged to cancel (set-up fees) an automatic renewal of a home contents policy I did not want. Budget Insurance claim that they sent me a letter 17.09.14 to remind me that my policy was due for renewal. I absolutely did not receive any correspondence from them. I received an email from them at 18:52 the day before to say that the policy would renew at midnight (giving me around 5 hours to contact them). After complaining over the telephone, they said they would not charge £35.00, but would instead charge me £17.00 to cancel the renewal (or rather the set-up fees). It might not be a great deal of money, but it is to a full-time student like me. Anything I can do? All the best, Milly
  10. Dear All I moved into a Housing Association flat 28.10.2011 and my rent has increased by the following: 1 – Originally, the flat was advertised on the Internet (an Estate Agents web site) for: £420.00/month (£96.92/week). 2 – My mother and I were told whilst viewing the flat that it was: £424.00/month (£98.00/week). 3 – Prior to the commencement of my tenancy, after I had given notice on my previous accommodation, I was then informed the rent would be: £444.12/month (£102.48/week), to include service charges. 4 – After April's rent increase, my rent is now: £464.96/month (£107.30/week) - looking through my tenancy agreement, it states that the rent will always increase every April The increases in rent are hard to factor into my very limited income as a single person. Is there anything I can do? Sincere regards Milly Weeble
  11. Hello Everybody, Just received a letter from Lowell's making an offer, as follows: Pay in full - 75% as full and final settlement. Pay 85% in 2 installments - as full and final settlement. Set up a Direct Debit to pay the balance. Any advice before I contact them with a view to getting rid of them for good! All the best, Milly
  12. Hello Everyone, I have a dear friend who has just told me of their financial situation...worrying is not the word. I wondered why they were so distant and obviously worried recently and asked them. Please, if you have any advice you could impart, it would be most welcome... According to my friend, they have 4 credit cards, the balance of said credit cards amounts to £40,000.00!!!! All credit cards have no tie-in, i.e. they can move money from place to place. More details as follows: Credit Card 1 = CC company have reduced the credit limit. Balance still within credit limit. Credit Card 2 = CC company have just increased %age being charged to 26% from 14%. Credit Card 3 = Paying minimum repayments = Balance is increasing month on month. Credit Card 4 = Paying minimum repayments = Balance remaining approximately the same. I am extremely worried about my friend's financial situation. Although debt collection hasn't started as yet, it's not far off. Any advice as to how they can sort this mess out would be greatly appreciated. All the best, Milly
  13. Thanks for your comment...I've just had enough of them and can't face going through all the harassment again
  14. Hi and thanks for your reply, The last time I paid anything on this 'alleged debt' was 23rd August 2006 (4 years, 4 months ago). This was paid to the fifth DCA (Wescot Credit Services). Lowell are the sixth DCA, so far. All the best, Milly
  15. Hello Everyone Just received another letter from Lowell, part of it reads: "The longer you leave getting in touch or paying off the balance, the more you risk further action being taken against you including legal action. We may also ask one of our agents to arrange a time to visit you at home to discuss your account and repayment of your debt if we don't hear from you." What can I do or say if they attempt to come to my home? All the best, Milly
  16. In all honesty, I just want them off my back once and for all. They sent me the letter 1st of February and they called me on my mobile by the 13th February. Really don't want to go through it all again, the threatening letters, harassing telephone calls, etc, etc...
  17. Hi MARTIN3030, Thanks for your speedy response. Hopefully the following will help: Have you looked on your credit file recently? I've registered online for Equifax today and there's nothing showing on there; clean as a whistle. I've already been a member of Experian, so I'll have to wait for the £2 statutory report through the post as not entitled to 30-day-free. If you considered that they did not fully comply with your SAR,then you should have told them so. I remember writing to them with concerns that they hadn't been deducting all my payments from the balance, but I received no response. I was psychologically exhausted by then (sounds dramatic I know, but true) so admittedly I let it slide. Do you know how the outstanding balance is made up? For example the portions that may relate to interest/added fees, etc. I now have absolutely no idea of what the outstanding balance is made up of. Originally (in 2006) the outstanding balance was the remaining balance of a 'part' refund of bank charges. What did the balance show on your last statement? The very last statement I received stated that I owed/was overdrawn by £1,302.00 - they then refunded £794.00 (I think, but I have kept the settlement letter as evidence) = £508.00 overdrawn. I'm currently being chased for £559.36. However, I need to go through all my statements from 2001 to 2006 to check they deducted all my payments. I haven't had a statement from them since November 2006. What should the balance be taking away any repayments you made up to 2006 ? Sorry, no idea - need to do some calculations before I know that. Hope this helps. All the best, Milly
  18. Hi alfwithhair, Many thanks for your quick response. I'll answer everything to the best of my knowledge: Is the outstanding balance still owned by RBS or have they sold it? Not sure. The letter I received recently states: "This letter is sent to you by way of an introduction to Lowell Portfolio I Ltd. Acting on behalf of Royal Bank of Scotland (the "Bank") and in accordance with the authority granted by the Bank on 30/12/2010..." What kind of debt is it? loan, credit card, overdraft? Overdraft (the balance of a 'part' refund of bank charges - I panicked, was exhausted with all the harassment and accepted an offer). When did you last make any payment or acknowledgement to this debt? Last payment was 23rd August 2006. Who is the latest DCA and who were the previous ones? Current DCA = Lowell Portfolio I Ltd. Previous DCA = Wescot Credit Services Ltd. Previous DCA = Moorcroft Debt Recovery Ltd. Previous DCA = Intrum Justicia Consumer Collection Previous DCA = Unidebt Collecitons (sorry, forgot about the fifth DCA!) Original DCA = RBS Did you make contact with the previous DCA's, if so was there a reason to dispute the amount? I disputed the amount owed and I contacted RBS in July 2006. They couldn't supply me with full statements of the account and were unsure of the actual amount owed at that time. Therefore, I stopped payments until they could; they eventually sent statements in November 2006. I still disputed the remaining balance as it didn't add up, but they wouldn't listen to me. I haven't heard anything from RBS, or any DCA's since November 2006. I've suddenly received this letter from the current DCA 1st February 2011, four years and three months later. Hope this helps. If you need further information, please let me know. Best wishes, Milly
  19. Dear All, I have a Debt Collection Agency (the fourth courtesy of RBS) chasing me for £559.36 . Out of curiosity, can I make an offer (say £400.00 starting point, for example) to clear the debt once and for all? Or, will they simply hound me for the whole amount regardless? All comments gratefully received. Best wishes, Milly
  20. Thanks for your response...If it goes any further I'll do both! Best wishes, Milly
  21. Hi paulwlton, Thanks for your quick response. In your opinion, should I send this letter, or the 'Prove it' letter first? Also, am I right that the 'Prove It' letter goes to the Debt Collectors...and the 'SAR' goes to RBS? Best wishes, Milly
  22. Hi Tingy, Just read your post and noticed that you mentioned a 'Prove it letter'. Could you please let me know where I can get that letter please? I've just received a letter from a Debt Collection agency and would like to respond to it. Thanks in advance, Milly
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