Hi Cellbar Thanks for that, no as yet i havn't put in a grievance but have detailed my concerns in my letter of resignation. If I do not hear back (its been 5 days) then I will write to them saying I wish to raise a grievance , having had time to think my treatment through. I believe I am able to do this even after I have left. Off to look at the link you sent me Thanks

Not quite their exact wording is... "Having taken account of the comments noted in your letter dated ???? I am writing to advise you that we have decided to decline your claim and to void your policy from commencement This decision has been based on the facts that you visited your doctor on more than one occasion with neck pain for which you were prescribed painkillers and additionally that you were referred to a cardiologist. Had we been provided with this information at the application stage we would have contacted your doctor for a concise medical report and would have been unable to offer you disability cover. Whilst we understand this is not the outcome you hoped for we do not feel it unreasonable as these facts should have been provided to us at the application stage. You will shortly receive a full refund of all premiums paid" If they had got a doctors report it would have said I had a straiuned muscle and that I had had tests which proved without doubt that my heart functioned normally and there was no need for concern...and they would have refused me cover on those grounds, what? i don't get it??? So now i have no cover, no payments and am off ill so no other company will give me cover

Hi thanks for your reply I left less than 7 days ago and worked there for two years. I wondered about constructive dismissal but don't really want to pay loads for a solicitor - well can't afford to pay for one, especially if I don't really have a case. They kept telling me they had done everything they could and had taken into account the disability discrimination act but they had exhausted ALL possibilities???? I am not so sure. But have stated my reasons for resigning were it was made explicitly clear to me that no further options were available, and I also detailed how and why I felt my tratment from manager was unfair. Thanks again for your reply

Finally got a letter back. They think it was unreasonable I did not disclose the conditions I was unaware of in my original application and therefore they have voided my policy and I will recieve a refund of premiums paid in due course

Hi guys Since April last year I have been suffering from anxiety disorder and panic attacks that seem to have been brought on by my work (thats what myself and psychologist have deducted) I have been absent from work in large periods and have had a phased return, but the type of work and the workload has never been changed or offered to change (and recently there were 2 jobs within the office that were different but I wasnt able to apply for because of my absence record) Anyway basically in the last year I have been off for 30 weeks and therefore stopped getting SSP when this happened I had a meeting with HR who basically said they needed me back at work working full time doing duties and if that wasnt possible they would need to look at the feasability of me remaining in employment. I was back for 6 weeks suffered a bereavement which with anxiety set me back I had 2 weeks off (signed off by doc) went back was back 2 weeks had 1 day off with a migraine (unrelated to anxiety - doc wrote me a letter confirming thios) I went in on the next day to be handed a letter suspending me from work to asses my suitability to remain in employment. This letter was handed to me in front of 15 - 20 members of staff I was told to "get my bag go home read that and I would hear from HR" I went home had a meeting the following week where they asked me to go and sit in my car for 20 minutes whilst they discussed wether I could remain in employment. I went back in and was told I was to be given a fianal warning which would mean I would not be allowed to have time off, I had to communicate daily to my line manager (the one who had suspended me in front of everyone) about how I was feeling, I had to start back the following week working my full hours and duties and regardless of the state I was in (eg panic attack, anxiety etc) I had to phone in myself and speak to line manager and go in once attack had passed. Anyway with all that in place and the stress of going back to see line manager I had a massive panic attack before being due to go in on the monday, physically sick, shaking, crying, heart racing, sweating sore head etc etc and there was no way I could go in. Phoned manager and was given the option resign or be sacked as "the business could no longer sustain my employment as my absences were having an affect on colleagues and the business was at risk of losing contracts) All along I have had doctors lines, I have even got my doc to write to them on 3 different occasions to suggest ideas (my work have no OH dept) So I had to resign. I wrote my letter and put in it I felt I had no option but to resign and that I was very dissatisfied at the way my line manager handled things and this in fact added to my anxiety. I have put in a claim for income support and I do hope to get a new job as it was the specific job I was doing that caused me stress ( I am happy to pm details of my job to anyone should they think they would be able to advise me better if they new) it was basically a social work position. I just wondered if anyone can advise me if I have any case against my employers and if I would get legal aid as I have no savings and no money. Or is it not worth the hassle. I am hoping that resibning will not exclude me from benefits, but my doc has given me another line and thinks I have done the right thing :o Thanks and sorry for the lengthy post

Waffeling is something I am very good at Its like talking!! Good do both all day

Managed to speak to my doctor who stated that Sinus tachycardia is not a medical condition (phew) and that unless I had been rigged to a heart monitor which I hadn't, then a diagnosis of cardiac disrhythmia for 6 weeks is innaccurate and there is no such thing as neck prolapse so I have put together another letter can anyone tell me what they think? Dear XXXXXX Thank-you for your letter dated 15th April. I tried to call you today, however the number at the top of your letter and in the second last paragraph – XXXXX, appears to be a help desk or service desk number. I apologise that there seems to be discrepancies between my original application and the information you have obtained from my medical records, however I would like to say that the information you provided me with was quite disturbing as I had no knowledge of any of the 3 conditions I have been described as suffering from, and therefore I immediately contacted my GP to discuss these matters and would now like to clarify the points you raised. I agree that in 2003 (perhaps the June) I was advised to have a check up at the hospital, having been to see the doctor with fatigue, dizziness and nausea. I do not recall how long I felt unwell, so cannot confirm if this was the 6 week period you refer to. When I returned to the doctor for the same condition and reported feeling better, he suggested a check up at the hospital just to ensure it was nothing more than a virus. I saw someone, but had no idea they were a cardiologist, as your letter states, and he stated that there were no problems, I had a slightly increased heart rate and pulse, but that was due to the fact I was attending an unfamiliar place and doctor, and this was a normal response, often known as “white coat syndrome”. He stated he would report his findings to my doctor. I then had my follow up appointment once my doctor received this report, where my doctor confirmed there was no obvious cause for concern, and stated if I continued to feel unwell, I could take a course of tablets (perhaps the beta blockers you refer to). However, I never took these tablets, the check up had proved I was healthy, I continued to feel well and therefore assumed it was a virus and that this therefore was considered a minor ailment, which I truly felt there was no need to mention on the application form. It was, in my opinion, the same as me having, say, the flu. Having spoken to my GP today, he informed me that in order to state that I suffered "Cardiac disrythmia" for a period of 6 weeks I would have had to undergo monitoring for the period involved as this would be the only way to conclude I had suffered an irregular heartbeat, as quite often people feel this is the case when it is actually just a perception e.g. "pounding heart" or "my heart missed a beat", when in fact if the heart beat of such individuals is monitored it proves to be entirely normal. So without undergoing a six week monitoring period, which I had not undergone, it is impossible to state I was suffering from "cardiac disrythmia". Furthermore he went on to clarify “sinus tachycardia” is not a medical diagnosis; rather it is a medical term for the physiological condition that is part of the normal way the body works. Saying that you suffer from it, is almost like saying that you suffer from “Diaphoresis” (sweating) when you are too hot, it is just the body’s normal coping mechanism, and indeed it is reassuring in this case, as it rules out any other problems and indicates my body was, and is, perfectly healthy. He also stated that “slight hypertension” is again a common physiological response to unfamiliar situations and that it was not indicative of serious or long term conditions in this situation. In addition he advised it extremely unlikely that a doctor would report to a patient that they were displaying these “normal” responses, thus explaining my knowledge that I had experienced these responses. In your second point, you indicate I have suffered from a “neck prolapse”; again I am unaware of this condition or even what this is. In 2003 I fell off a horse and went to the doctors with a sore neck and was prescribed medication, anti-inflammatory tablets I believe. My neck pain reduced, it became better and I assumed that was that, my doctor did ask me to come back on 2 or 3 occasions as he said you can never be too careful with neck or back injuries, had it not been for this I would have just finished the tablets and continued with daily life. Again, I did not feel that this was a major illness nor arthritis nor any back, spine or other recurrent joint disorder. Having spoken with my GP, he confirmed that I have never been diagnosed as having a “neck prolapse” nor a “disc prolapse”(indeed a medical condition which can be diagnosed by undergoing a scan), and, in fact he is unaware of any such medical condition as “neck prolapse”, he, having re-read my notes sees that statement as a doctor writing in the notes that it may be a possibility to look at if the condition continued, almost like putting a question or a reminder in my notes. He also stated that, if there had been a genuine and serious concern about a “disc prolapse” I would have been referred for a scan, which is the only way to diagnose such a condition. He believes that, as I believed, I had pulled a muscle, caused by the muscle overstretching due to the unexpected movement when I fell from the horse, which with rest and time had healed. Therefore, I believed that I was telling the truth and not withholding any relevant information on the application form. However, as I said at the beginning, I would like to thank you for bringing these issues to my attention, as I have now been able to discuss exactly what is written in my medical notes and also ascertain that I am fit and healthy. I hope this information is useful and will allow you to recognise that I was unaware that I had any of these conditions and truly felt that any illness I had experienced was short term one off minor condition. Yours Sincerely

Thanks guys. The GP who I actually saw at the time of the 2 disputed points was unavailable but I spoke with my own GP (who wrote the report) He advised that after requesting a report about my current condition (the one I am claiming for) they wrote back to hiom and asked him for any treatments I had recieved in the 3 years prior to November 2003 (date of signing application) He therefore advised them of the disputed events and also a bout of flu. He advised me that none of the conditions are serious and that a neck proplapse refers to a slipped disc - however at the time I was treated for muscle spasms (not the same) I have written a letter but wondered if someone could advise of its content or improve it Here is the content Dear Mr XXXXX Thank-you for your letter dated 15th April. I tried to call you today, however the number at the top of your letter and in the second last paragraph – XXXXXXXXXXX, appears to be a help desk or service desk number. I apologise that there seems to be discrepancies between my original application and the information you have obtained from my medical records, however I would like to say that the information you provided me with was quite disturbing as I had no knowledge of any of the 3 conditions I have been described as suffering from, and therefore I have contacted my GP to discuss these matters. I agree that in 2003 (perhaps the June) I was advised to have a check up at the hospital, having been to see the doctor with fatigue, dizziness and nausea. I do not recall how long I felt unwell, so cannot confirm if this was the 6 week period you refer to. When I returned to the doctor for the same condition and reported feeling better, he suggested a check up at the hospital just to ensure “it was nothing more than a virus”. I saw someone, but had no idea they were a cardiologist, as your letter states, and he stated that there were no problems, I had a slightly increased heart rate and pulse, but that was due to the fact I was attending an unfamiliar place and doctor, and this was a normal response, often known as “white coat syndrome”. He said he would send a letter to my doctor. I then had my follow up appointment, where my doctor confirmed there was no obvious cause for concern, and stated if I continued to feel unwell, I could take a course of tablets (perhaps the beta blockers you refer to). However, I never took these tablets, the check up had proved I was healthy, I continued to feel well and therefore assumed it was a virus and that this therefore was considered a minor ailment, which I truly felt there was no need to mention on the application form. It was, in my opinion, the same as me having, say, the flu. In your second point you indicate I have suffered from a neck prolapse, again I am unaware of this condition or even what this is. In 2003 I fell off a horse and went to the doctors with a sore neck and was prescribed medication, anti-inflammatory tablets I believe. My neck pain reduced, it became better and I assumed that was that, my doctor did ask me to come back on 2 or 3 occasions as he said you can never be too careful with neck or back injuries, had it not been for this I would have just finished the tablets and continued with daily life. Again, I did not feel that this was a major illness nor arthritis nor any back, spine or other recurrent joint disorder. I understood I had pulled a muscle, which with rest and time had healed. Therefore, I believed that I was telling the truth and not withholding any relevant information on the application form. I hope this information is useful and will allow you to recognise that I was unaware that I had any of these conditions and truly felt that any illness I had experienced was short term one off minor conditions. Yours Sincerely XXXXXX

Hope this is in the right place if not please move to correct area. Sorry for the long post Ok 2003 I gets my mortgage and also my ppi with Scottish Provident. At the time I completed an application form and answered no to the following questions.... Have you consulted your doctor and been advised to have an operation, check up xray or investigation in the last 3 years with the exception of minor ailments and Have you suffered from arthritis, or any back, spine or other recurrent joint injury. Anyway I was off my work for 5 months till Feb this year with an anxiety disorder and I put in a claim and today recieved a letter stating that they had recieved my doctors report and would like me to write explaining why I ommited the following as your claim could be void 1. I was referred to a cardiologist in 2003 with a history of cardiac dysrythmia (what??) where I had investigations and I was found to be suffering from sinus tachycardia (was I???) and 2. I attended my gp on more than 1 occasion with neck pain and it was discovered I was suffering from neck prolapse (What???)and I was prescribed painkillers. Ok here is my version of events. 1. In 2003 I felt lethargic and dizzy I went to docs who advised to rest and come back I went back feeling better he sent me to hospital as a precautionary measure to be checked I went for the check went back to the docs who said everything ok however if I continued to feel unwell I "could" be prescribed beta blockers, which I never was prescribed nor took as I felt better. End of As far as I was concerned I was fine, maybe had had a virus and this would not ever affect me again - which it hasn't 2. I fell off a horse hurt my neck went to the doc who said I had muscle spasms prescribed anti inflammatory tablets I saw him a further 2 times as he wanted to make sure as it was a neck/shoulder injury anti inflammatory tablets worked pain went end of story. (and anyway since when were muscle spasms a joint disorder???) As both these conditions were in my opinion both non recurring one off and needed no further treatment I didnt mention them as to be honest they were so insignificant it didnt even occur to me. I have phoned my doc today but he is off and someone will call me back as apparently I have 3 medical conditions or have had 3 medical conditions I knew nothing about which is in itself a bit bloomin scary. But more importantly does anyone have any advice on how to respond in writing to this letter from Scottish Provident. Please Thankyou

The address I used was Honours Trustee Ltd 25 Old Broad Street London EC2N 1HQ Though don't hold your breath I have still heard nothing. Will soon be sending yet another recorded delivery letter!! Like the idea about the taping of the call....is that legal as long as you tell them "this call will be recorded for monitoring customer service!!!!!!!!!!!!!!! "

Hi Yeah sent 2 letters seperately both recorded delivery 1 about statute barred (wait and see what their reply is knowing my luck I will miss out by a day or something silly!!!) and a 2nd saying do not call at my house or phone.!! So awaiting their replies

hi Nas2211 Hope all goes well for you and good luck keep us posted. Sorry I kinda hijacked your thread!! Just found the site and posted!!! But goodluck with your case hope it all works out for ya.

oh the joys of student loans.... I too am having mass problems with HSL who seem to have all my accounts now, but am posting a letter to them today about statute barred debt and also a seperate one asking them not to call or visit my house (though I have recently changed tel. number, and have no intention of giving them new one) No doubt they "won't get " these letters but they will be posted recorded delivery.

Ok thats it - Printed and as there is a post office right next door to me it will be sent today!! I will keep you posted on what happenss, will probably need you all to help me with a letter in response to their reply!! I had NO idea you had the right to demand only contact in writing and that you could ask them to stop phoning/calling...... I realise they won't always follow instructions but I didn't know the law was then on your side...... Thanks a lot everyone

okay here it is..... Dear Sir/Madam Student Loans I write to you following a visit from one of your operatives Mr XXX XXX of Fieldcall at 21.15hrs on Thursday 20th September 2007 regarding student loan accounts which you claim are owed by me. I would be grateful if you would provide me with written details of your complaints procedure, as I am confident I have grounds for complaint due to breaches in the Office of Fair Trading Debt Collection Guidelines. The parts I believe you are in breach of are; Sections 2,2 f and 2.2 g; 2.6a, 2.6j and 2.6i; 2.8b and finally 2.12g. I also believe that the company breached 2.6b during a previous phonecall. It also is apparent that section 7 of the Data Protection Act 1998 was breached by the disclosure of the company that the amount is allegedly due to and the amount of alleged debt to a third party in my absence. Please be advised therefore, that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending doorstep callers to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Any future visits from any person acting on your behalf or instruction will be treated as a trespasser and will be removed from my premises by Police if necessary. I would like to add that I will happily provide specific details of all the breaches in a formal letter of complaint upon receiving your full complaints policy. I await your written response to this letter including full details of your complaints procedure. I look forward to your early reply. Yours faithfully Will send recorded delivery

THank you again

Thanks just saw this after posting my attempt at a letter, will now read it through!! Cheers

How is this looking now? Honours Trustee Limited, Tower 42, 25 Old Broad Street, London EC2N 1HQ Dear Sir/Madam Student Loans You recently sent a representative from a company called Fieldcall to contact me regarding student loan accounts with, which you claim are owed by me. I would be grateful if you would provide me with written details of your complaints procedure, as I am confident I have grounds for complaint due to breaches in the Office of Fair Trading Debt Collection Guidelines. The parts I believe you are in breach of are; Sections 2,2 f and 2.2 g, 2.6a; 2.6j and 2.6i; 2.8b; 2.12g. I also believe that the company breached 2.6b during a phonecall. It also is apparent that the agent from Fieldcall breached section 7 of the Data Protection Act 1998 by disclosing the company that the amount is allegedly due to and the amount of alleged debt to a third party in my absence. I, at this point, would also like to exercise my right to request that any further correspondence be done in writing and that no representatives of you, nor any agent working on your behalf, call at my home or business address and that failure to comply with this direction will be tantamount to trespassing I would like to add that I will happily provide specific details of all the breaches in a formal letter of complaint upon receiving your full complaints policy. I await your written response to this letter including full details of your complaints procedure. I look forward to your early reply. Yours faithfully

Thank you SOOO much guys, I am away to try to ammend my letter will post shortly and see what you think. Ps - Good-morning!!

Thank you, I will redraft letter and post here tomorrow. I am away to chill out and stop sitting infront of computer Thank you so much this site is fabulous are all you who have reponded to my various queries I only hope I can gain some knowledge and help others. Thanks again... Till tomorrow (or maybe later )

thank you again. I am just a bit concerned bloke turns up at door tomorrow again ( a week after last visit ) but will wait and hopefully find out if that letter is ok to send out as apart from anything I am really annoyed. I mean if I had been in at that time I would have been in my pjs..... Thanks again

Any comments or advice welcomed - thank you Here is a copy of a letter I hope to send (recorded delivery) Honours Trustee Limited, Tower 42, 25 Old Broad Street, London EC2N 1HQ Dear Sir/Madam Student Loans You recently sent a representative from a company called Fieldcall to contact me regarding the student loan accounts with, which you claim are owed by me. I would be grateful if you would provide me with written details of your complaints procedure, as I am confident I have grounds for complaint due to a breach in the Data Protection Act. This breach occurred when the representative of the agency involved divulged the amount of the debt and the company to whom the debt was due to my partner. I was unavailable at the time the agent called, which was at 21.15 on Thursday 20th September 2007. I believe this also gives me grounds for complaint as calls to individuals houses should not be made after 21.00. I await your written response to this letter including full details of your complaints procedure. I look forward to your early reply. Yours faithfully

does anyone know which section of The DPA they are in breach of?? :?

thanks guys will do a draft after the soaps!!!

thanks, had a look at the examples which have given me some ideas but seem to be more to do with the sharing of information between companies??? My gripe is that they turned up at my door at 9.15 pm and told my partner all about MY debt (he doesn't even live here!!) Will try and draft something later and see what you guys think