My Daughter was born with Polands Syndrome - she has had 2 operations 1) to build a muscle cavity and 2) to place a breast implant within the cavity, after surgery her chest has never been symetrical, and after fighting for a second opinion from another hospital we were told that the implant has completely turned ( teardrop implant) and the Dr was flabbergasted at the way she has been treated, so we had to apply for funding again to put right and replace the implant, 5 months later we have been refused ...can anyone help or advise the next root of action please xx

Hey Guys, Just some of advice please folks. Got a NTO from local council some time ago. Naturally I appealed and heard no more about it. Next i hear is some 11 months later a baliff knocking on my door demanding £317 from me for the unpaid fine. I called the local council who state they'd sent 3 letters following on from my email appeal. They state as they'd sent it they wouldnt hold off action. I contacted National Debt Line and they told me to file an out of time stat dec to the TEC to which I duley did. Got a letter back today advising it has been refused. No reason as to why just refused. What happens from here as the notes on the letter received back were not clear.

Hi, I need some advice about Sure Start Maternity Grant.I am pregnant and last week i sent filled form for this fund.As they write you can get if you or your partner receive benefit.So I sent because my partner receive income related employment and support allowance.I received letter today.They said I am not entitled to a payment because I don't receive benefits but they didn't mention nothing about my partner benefit.Do I have to contact them to look at my case again?

Hi, on the 31st July I purchased a Dell laptop from a 3rd party seller on Amazon. Since the very day I got it I have had numerous issues and have been on the phone to Dells' technical support constantly. They even sent a technician out to my house to replace a hardware component but they have been unable to fix it. They have now offered a replacement but have warned me that on taking this replacement, any further replacement or refund will not be possible because I did not buy directly from Dell. Obviously this is not fair and I have requested a refund. However, they have said this should come from the Amazon seller. I have contacted the Amazon seller and they will not refund the laptop as they say they hold no responsibility as my 1 year warranty is with Dell. It has become very frustrating for such an expensive laptop to cause soo much trouble. Could anyone please advise me on how I should proceed and am I able to get a full refund? After all I've been sold faulty goods that are not fit for purpose. Thanks in advance to anyone that can help!

Hello all! Hope someone can help me. I've been having an ongoing dispute with Very.co.uk about my payments as due to a huge change in circumstance (serious illness) I am unable to keep up the payments. I have tried to reason with them and sent them all my medical evidence, but to be honest they were heartless b**tards and I have now referred the case to the Financial Ombudsman. I didn't know if I should suspend payments in the meantime (especially due to how rude they were) or keep making them. The person with whom I had the correspondence at Very said they would not accept my token offer of £1 and they considered the matter closed and would not correspond with me anymore. So I sent my case off to the Ombudsman. I've been rather ill so put it the back of my mind until I felt better and then I asked the Ombudsman if I should suspend payments (still waiting on word back). Today I logged into my Very account and see that because I suspended my payments due to the dispute they have added charges and say my account is now £69 in arrears on top of my credit limit. Can anyone advise what to do? The FO are taking their time to answer and Very refuse to talk to me anymore, so I feel stuck! Any help would be great, thank you Lou

Hi all I am looking for some advice about the below case please. Thanks. Holiday details: 5 of us (4 adults and 1 child of 11 yrs) booked and paid for an all inclusive holiday with Thomas Cook Holidays online. I was refused to get on the Thomas Cook Airline flight in August 2012 due to issues with their contract check-in personnel. I had disagreed with their extortionate excess weight charge of £14 per kg insisting first to speak to the check-in personnel's manager(s) and later to the Stansted Airport Thomas Cook (TC) representative. They were refusing the latter request until they realised that I'll not be giving up. So, the TC lady agreed a reasonable solution to the 18kg excess weight issue with suggesting the use of a little advertised 'flight only bag', which would cost £60 for an extra 20kg baggage allowance (we would have to purchase a bag to qualify for this option). I was not present at this point of discussions between the holiday party, the ground staff and the TC lady, as I had taken my son to the gents, which is a fair distance from the check-in area/desks. I noticed that my wife and our friends (a married couple) were not present at the check-in area when I returned with my son. I asked the TC rep and the check-in person what had been decided, to which she replied 'you better go and ask YOUR LOT over there', pointing in the direction of my friend sitting down away from the check-in desks. I unfortunately lost my rag and indirectly accused them of being 'racist' WITHOUT using such terms or any foul language ('you need to change your glasses so that you can see people as they are', to which the ground personnel check-in lady and the TC rep took exception and regarded my statement as accusing them of being 'racist'). My wife and my friend's wife had gone to purchase a bag to take advantage of the deal offered by the TC rep and returned to the desks to find that the TC rep and primarily the ground staff had decided to refuse to let me on the flight. It is worth noting that at the same time they had obviously called for the Police to attend. But, FOUR ARMED Police Officers turned up?!! So, they must have either asked for this many or by blowing up the situation to a bigger one than it was, the airport security sent a strong and armed unit to deal with me! It was the first time in my 40 years in this country that I had come across / had anything to do with the Police let alone ARMED ones. I found it intimidating and my wife and 11 year-old son were obviously upset and scared. They were using this method to 'bully' me into submission, as I was the most vociferous in the party and had insisted all along that there must be a solution to the extortionate rates they wanted to charge us. And funny enough there was! I was told to 'make my own way' to the resort. They AND the armed Police (?!) refused to provide me with any written confirmation of TC's decision or the names of the personnel involved in making the decision (this is a key point that I'll come back to later in the story). I asked my wife to speak to the TC rep at the holiday resort to ensure that there would be no problems with my flight back. The TC rep confirmed that there will not be any issues or problems, as the 'refuse to carry' was only for the outbound flight. Unfortunately we don't have her name or this in writing, but my friend's wife was present as a witness. Can you guess what happened on the day of the return flight? Yes, of course, I was refused carriage again! But, this time it was due to a 'letter' from TC at Stansted dated 13 days prior to the return flight date, i.e. the day after the outbound flight. So, why had TC failed to notify me of this intention earlier, i.e. at Stansted? Funny enough this is exactly what their legal department is TRYING to say now, that my 'contract' with their airline was effectively 'terminated/cancelled' when they refused to carry me on the outbound flight. Well, in that case why wasn't I given a written notification of this, as I would then have arranged a TWO WAY RETURN flight for myself knowing in advance that I wouldn't be allowed on the return flight. I jumped ahead a bit there, sorry. I complained to TC and requested a compensation for what they had done and for ruining our first family holiday in nearly 8 years. They obviously have refused and the end result has been for me to take the matter to ABTA and their Arbitration service. I have received TC's 'defence' to my claims and now need to get back to the Arbitration service with my reply to their 'defence'. Any advice or help would be much appreciated. radmm0

Hi guys, I have been with my current employer for 5 years and the maximum i have taken off for annual leave is 2 weeks during this period. However in december 2012 myself and my family planned to meet up for the first time in august 2013. So decemeber 2012 i got in there first to request annual leave with my line manager along with a couple other holiday requests before that time (odd few days..etc). The odd few days got accepted but he mentioned for 3 weeks off (i work 4 days per week) have to go through a director and that he will get back to me. Its now july and 3 weeks till i have a non refundable very important holiday to take and despite contacting various managers face to face and via email (6 times now) i have had zero response. Furthermore there are 2 or 3 of my colleagues that have young thai girlfriends that causes them to take 3 to 4 weeks off and sometimes twice per year every year without fail. They never get rejected or ignored. I also spoke to 2 of my other colleagues and they have been accepted to take 2 and a half weeks off and 1 week respectively during the time period i want off. These colleagues requested this holiday 3 months AFTER i requested it and they work 5 days a week. I understand the law states the employer can basically choose when i take off on annual leave, but due to the time frame i have given them and the fact they have accepted other colleagues requests after my request for the same time frame AND the fact certain other colleagues get 3 to 4 weeks off each time every single year do i have any sort of case to take this up with anyone? i really feel discriminated ever since i raised a issue with HR about not willing to defraud customers out of money and fiddle the figures. Really appreciate some advice.

Hi guys, Firstly i appologise if i'm asking for very basic help, i've never had dealings like this before! To cut a long story short (believe me this is the short version!): I tried on numerous occasions to close my t-mobile account down over the phone and was told it had been closed. A few months later a debt collection letter arrived for circa £250 in unpaid bills. I was very, very annoyed by this since i had thought that the account was closed and hadn't used the account for several months. I contacted T-mobile and they denied that i had closed the account, despite my call and refused to budge on the bill. Since i was a student at the time with a young family to support i had to save for a week or so to scrape the cash together to cough up what was a significant amount of cash at the time. When i had the money together i called the debt collection company which i understood to be a subsidiary of T-mobile and paid the amount and made sure in no uncertain terms that the account was now CLOSED which they confirmed. All good.... Until 2 months later T-mobile send me ANOTHER bill for £89. I was livid and phoned the again to tell them i had cancelled many times and fully paid the account and had it confirmed that it was closed after i paid the last bill. They denied i informed them saying that although they had a recording of their debt collector telling me my account was closed, they didn't have the authority to close the account down. After a long phone battle i got them to agree to close the account there and then. The issue was sent to the line manager to have the outstanding amount removed (he was on a break), all done and dusted. Anyway, i'm now no longer a student and i am looking to get a mortgage so i decided to check my experian credit report only to find these bandits had listed a default against me for the £89 on 10/03/2013, 5 months after the account was closed and the balance removed and at no point did they tell me that i had an outstanding balance. I called again and after a discussion with Alrick in finances i agreed to pay the £89 ONLY on the condition the default was removed from my file. He agreed to this and instructed me to pay the amount and write a letter to their credit referrals team outlining the discussion, the agreement to remove the default and the payment reference number. Now i have a reply from T-mobile's credit referrals team. They will not remove the default, it's on there for 6 years they say. So now my chances of getting a mortgage are practically zero. I've set the ball rolling with a complaint to CISAS but is there anything else i can do? I feel like i've been ripped off then tarred & feathered by these con-men. Help, if there is any out there please!! Dailey87

Hi, it's been a while since I've been on here so apologies if I am a bit slow! I sent a SAR to Egg and I have received the following reply: Thank you for your recent request for an executed copy of the credit agreement for account number XXXXXX with Egg Banking PLC under section 78(1) of the consumer credit act 1974. As the account you refer to is now closed i have to inform you that egg are under no obligation to comply with your request as we no longer have a contractual relationship relating to this account nor are we seaking to enforce any agreement on the account. The right to be provided with this information ended with the closure of the account. Section 78 (3) (a) of the CCA states that Section 78 (1) does not appy where 'no sum is, or will or may become, payable by the debtor' The right to request an executed copy of an agreement is found in part VI of the act, which is entittled 'Matters arising during currency of credit or hire agreements' so where an agreement is no longer current the right to request or be provided with a copy of the executed copy of agreement therefore ceases. Can anyone advise where I go from here?? Surely they are obliged to provide this if I believe I may have been charged for PPI that I woukd not have wanted or needed? Thanks in advance Lisa:-)

hi all im looking for some advice please my sister has applied to a housing association for a move when we called up and spoke to them today about her application we was told her application will not be accepted due to the fact she was not an orthodox Jewish person and due t the fact she does not follow there faith. when i questioned this further they said got very annoyed and refused to discuss this any further. i have never heard of an application not being accepted due to someone background or religion before can they do this? any help and advice be much appreciated

I have been helping my Nephew with His PPi on His Mothercare Card. He honestly didnt know what it was. He even had Menangitis and was very ill and didnt claim. Had problems with DCA but has caught up and nearly paid off . Only realised he had PPI when I looked at his statement and told him. Put in a claim for him and this isthe response. Absolutely terrible was sold the card at a till in the shop. The card was originally issued by GE Can you advise next move please.

Hi guys, I just came back from an Asda store where I tried to refund some asda brand pizzas. They refused me on the grounds that "they don't take chilled products as they have to be chucked away", which contrasts as to what they say on the package. What can I do?

I phoned to cancel my car insurance as i had sold my car, when I phoned to cancel it, they said they had already cancelled it! I asked why and they said someone had called them to say that i didnt live at my address! I told them thats rubbish as i do live there, they said they sent me a letter on the 12th giving me 7 days to prove my address and as they hadnt received anything they cancelled it. I had not received a letter I had only received an email from them on the 18th saying to send them the proof and that i had 7 days from that email to prove to them or they would cancel it. I had phoned them on the 23rd to cancel my insurance. I told them they didnt give me the full 7 days to prove my address so they shouldnt of cancelled it. The lady said that I would not be getting my premium back unless i send them this proof in the form of two utility bills. I pay rent to my landlord who then pays for the gas, electric, etc... I asked him for copies so i can send it to them and he wont give it to me! I had only been with the insurer for two weeks and the are now keeping the full annual premium of £800 which is a lot of money to lose for no reason. Is there anything I can do to get my money back? Help!!!

Help please, I am a Newbie and have been reading lots of threads but I am now totally confused. I had two credit cards with MBNA and they agreed to my repayment offer. They subsequently sold on the debts. The first DCA have honoured my agreement with MBNA and have only written to me once telling me this. However, the second debt was sold off and I immediately started receiving calls from DLC. I refused to discuss my situation with them over the phone and told them to write to me, which they did, I sent them I & E, but they said repayment was too low (but never told me how much they wanted), I told them that I had an agreement with MBNA but they still refused to honour the agreed repayments. I have received letters from their solicitors to inform me that they would proceed with court action if I failed to pay the full outstanding amount. Which I again responded with the proposed repayment. They have now started court proceedings 'to obtain Judgement for payment forthwith then applying for a Charging Order' but then state 'the Judgement will not be enforced if you maintain the payments at the proposed rate' to be reviewed in six months. I have now received the court papers what do I do now?

Hi everyone To cut a long stort im married with 4 kids all under 8 and my husband is seriously disabled and iv been with perfect homes for just over 4 years . The first thing i brought from them was a 2 ,3 seater sofas . The 3 seater started too sag so i telephoned them they sent someone out and said it was a fault and cost to much to repair so they offerd me a replacement which was reverbished in the mean time i found this site and seen that i too was paying coverplus so i started writing to them saying i want my money back but they just keep refuseing . Now they have finally given me my replacement sofas ( which iv finshed paying) and they not the same sofas i had . I got in touch with them and they're saying they are the same . I sat on them sofas for 4 years i think i would if they were the same and now everytime i meation this the cheeky so so saying that my sofas that they took away were dirty and disgusting to which there were not . The saying that under the sofas ( which were recliners and underneth were metal bars) were full of dirt they made me feel so small and dirty. back to the story the sofa i have now are full of stains they smaller and they dont feel like leather i cant get my money back and i dont have money to take them to court and they only so meny letters you can send them . Any help or advise would i would be very gratefull P.s sorry about spelling and ranting

Have had a few default notices from DG solicitors so i sent them a CCA request on 17th july. They responded asking for my signature as attached The 12+2 days for CCA request is now up - should i now respond saying the account is in dispute or send them a digital signature? I was thinking of the following:

Hi all, First time poster here. Looks like a great site, so hoping I can get some advice on here. Here goes..(!) I've been a driver for a few years and just bought myself a scooter for commuting to work. Got loads of quotes online and chose Bennetts motorbike insurance, which was expensive at £185 Third Party fire and theft, because of a previous claim on my car insurance, but just about the cheapest I could find online. Everything went through fine and I received all the documents. A few days later, I get a letter from Bennetts saying they'd been notified by their underwriters of an undisclosed "claim". Below are my 2 incident details (both my fault), the first one is the one I didn't disclose when getting the quote, because I didn't see that as a "Claim" Incident details: 2010 - Reversed into car in road whist reversing from my drive. Told insurance company, but didn’t claim against insurance. 2011 - Hit driver in rear in slow moving traffic. Claim made. Phoned them up last night when I got home and the chap added the first incident to my details, but needed to speak to the underwriter to process the paperwork in the morning (this morning). Got a call back from the guy at Bennetts saying the underwriter has now refused me insurance, but another broker (Aviva) will do it for £15 more. I couldn’t be bothered with all the hassle of sorting out another insurer, so I said OK. He put it through and then noticed the first incident wasn’t added "for some reason", so would have to add it in. Did so and said it would be another £55 (ish)on top of the £15 I’d just paid. I told him I wanted the policy cancelled out of principle. He charged me £30 to cancel the policy. I was a tad annoyed obviously, but guess it was in the small print, so sucked it up. He now tells me I have to declare the refusal of insurance for any future quotes from any insurance company. This will obviously affect my car insurance premiums as well and is something I will have to do for the rest of my life unlike accidents/claims, which last 5 years and then are wiped off. I went away and did some more quotes at comparison sites just now and the cost has now doubled (£400 TPFT), by adding the first incident. Worse still, as I declared I’ve been refused insurance (which I’m told I have to do by law), I’m only insurable by a small number of companies, the kind of companies, who will only insure “problem” drivers. What are your thoughts on this? Do you guys think I have any hope, or am I stuck with this millstone for life? Was I right to not mention the first incident that wasn't actually a "Claim". Cheers, Max.

I got on the bus this evening, showed my disabled persons' bus pass and was given a ticket. (never seen the point, tbh) I put the receipt in the used tickets bin and was told by the driver not to do this? He said that there might be inspectors who need to see the ticket? There is / was a notice up saying that you must show your ticket or bus pass or bus permit when asked or you face a fine. So why would I need the ticket too? I have never been asked by a First inspector to look at my pass. Two other companies have had inspectors on board and have never been asked about a ticket - they're just happy with my bus pass - although, I did once get asked by a London bus driver (I live in Plymouth and hold a Plymouth bus pass) what my pass was and explained it's a disabled persons bus pass.

Just had my second ATOS reassessment last month, the letter came in today with 0 points The strange thing is the letter that came in from the DWP had no mention of appealing the decision at all, no GL24 form to fill in and send back, just a bunch of pages with 0 points next to the descriptor and a paragraph at the end informing me to claim JSA or call them back to "look at the decision again" which just means they will still award me 0 points. Has something changed in the appeals process?

Hi I have a mortgage with GE Money, its currently up to date with no arrears but only interest only (£450 p/m) The house is in negative equity by about £20k and needs approx £10k spending on it to make it sell-able but even then wont be worth anywhere near the outstanding amount i owe on it. Ive asked my mortgage lender for permission to let but they have point blank refused and suggested i contact a broker or independent financial advisor. This is futile as i have just been discharged from bankruptcy in the last month and dont have any kind of savings etc Ideally id like to keep the house and rent it out in the hope that the house prices rise and i can sell it and break even and ive explained to GE Money that its likely that i wont be able to make my repayments soon and the house may be repossessed unless i rent it out but this all falls on deaf ears. The reason im wanting to rent it out is that this house is no longer big enough for me and my partner and our three kids so we are hoping to rent a larger house ourselves. Has anybody got any suggestions as to what we could do as me and my children are wanting to move in with my partner and her child and as it stands at the moment its not going to happen and causing a lot of heartache

Hi everyone, hoping someone can give me some advice. Basically I owe CT from 2009 (£1200) - I was fighting it but in July last year my baby daughter died and I didnt bother answering any letters or anything and the court ruled that I have to pay it. After my daughter died I didnt got to work didnt pay any bills, I lost my house and now live with my parents. I went back to work in November 2012 and started to try to get my finances into some kind of order. I was paying the council £20 a month for this as it was all I can afford. It wasnt an arrangement it was just what I was paying. The council wanted more but I couldnt afford it, I have gotten myself into such a huge mess financially I am paying companies left right and centre and I am thousands and thousands of pounds in the red. As the council kept sending me letters I contacted them by email stating I could only afford £20 a month due to all my financial obligations. I was sent an income and expenditure form that I filled in and sent back along with a bank statement and pay slip. A week later I still waiting to hear back when I received a court summons, I again contacted them asking why when I had sent my forms like they requested. I received an email stating the lady dealing with my case is on holiday and will contact me when she returns. She did so saying £20 is not enough and the court case will go ahead as by my payslip amount (£1033) they will be able to take 12% of this which is £123 a month. I spoke to my dad who said he didnt want me going to court and he said he would drop my rent by £60 a month so I could get it paid. I wrote back basically telling them that they have not 1 bit looked into my case on an individual basis and surely the court would look into all my other finances I am paying and surely would not agree to them taking £123 out of my wages every month. Then I said about my dads offer and said I can pay £80 a month so long as they didnt proceed with the court case. I got an email today from them stating they will not accept £80 a month as I have offered and she has informed the court officer I will be there tomorrow for court. I just dont know what to do. It seems I am going to court tomorrow to have them attach my wages and take £123 a month off me. I have just sorted all my finances out and made deals with all my creditors and everything and now the council are going to ruin this and I am going to be back to where I was when I first went back to work. I honestly thought they would accept £80 a month as to me that seems quite high, I read so much about people offering such lower amounts and they are accepted. What am I going to do?

Hi i am after some and help and advice on trying to claim PPI back from Capital 1 from a credit card, I first took the card out in 2003 by a telephone application, and agreed to PPI over the phone, after approx 5 years i realized there was completely no need me having PPI due to my circumstances of living at my parents and low paid job etc so i cancelled it. I have recently put a claim fro mis sold PPI, on the basis of it not being fully explained and that i felt i would have better chances of being accepted for the card if i took the PPI out at the same time,and my circumstances of living with parents and low paid job at the time etc. My claim has taken nearly 2 months in which they asked for a copy of my passport to prove my signature was correct, which was sent.I have now received a letter saying that they have finished their investigation and found that they are confident that the policy was sold correctly and contact the FOS, the parts they have investigated were a miss selling review; non optional; they are confident that it was fully explained to me non advised;it was my responsibility to decide that it was suitable to my needs pressured sale; they find it very unlikely it was a pressured sale is this a typical fob off letter? where can i go from here? can i ask for copy of telephone call?can some help with a reply letter? thanks jon

I took out a pre-approved credit card with Halifax bank in 2007 because the cashiers kept trying to sell the card to me every time I went to the branch, saying it was already approved and all I had to do was to sign some papers. I did decide to take out the card as I didnt have any credit card at the time. Three months later, I became unemployed. I didn't get back into employment until June 2010 and that lasted for 6 months until I had to relocate outside the country. Sometime in July 2012, I received a letter from Halifax advising my payment protection policy was been transferred. I then contacted Halifax saying I never knew I had ppi on the credit account and that if I knew I would have claimed since I was unemployed and was at that time facing serious financial difficulties with keeping up with payments. I was then told by the customer service person that the ppi policy had already been cancelled as I wasn't keeping up with payments. So that meant I never knew I had a ppi policy and didn't get a notice of cancellation.I was then asked if I wanted to make a complaint or do I want to make a claim which I replied to that I didn't know what the complaint process is? I was given refernce number and was told I will be contacted in due course. Then received a letter dated 1st sept 2012 stating ppi claim wasnt upheld and they had tried to contact me even though I never received a call or letter. Letter stated complaint was CONSENT TO COVER and findings was: '' Sales process at the time required additional consent to confirm you wanted a PPI policy to be added to your Credit Card. I am persuaded that this would have required a verbal explanation ensuring that you were made aware of what you were purchasing'' ''It can therefore be concluded that you knowingly consented to the addition of a PPI Policy to your credit card'' After receiving that letter, I then decided to let it rest as I didn't know how to go about fighting the decision. It would be 6 months since the receipt of that letter in March. Hence since I discovered this website, there is not enough time to do a SAR request as that will take 40 days or follow procedures stated. Please what do I do now. Should I write to the Financial Ombudsman Service and what should be the content of the letter!!!

Hi all In short, my Fibromyalgia wife got her 15 point at tribunal after failed WCA and put in WRAG group. We did request support group and had good reasons for this on Reg 35(b).The first tribunal's decision was that: "We cannot see, however, how being asked to attend the occasional job focused interview could constitute a serious risk to the appellant's physical or mental health" I replied to the first tier Tribunal to ask for a change of mind or permission to appeal to the Upper Tribunal. I included a supporting report from my GP who supported our view. Their statement of reasons said that 'attending the occasional interview in our view would not constitute a serious risk to the appellant's health'. The ESA wrag group requirements from the gov.uk website which states that persons “have to go to regular interviews with an adviser. The adviser can help with things like job goals, improving your skills, work-related issues”. In my view, 'occasional' and 'regular' are 2 very different things and noted this in reply to First tier. Now they have said they can't change their decision and refused perission to appeal to Upper tribunal. I know I can appeal directly to the Upper Tribunal which I intend to do. I know the Upper Tribunal can't accept any new evidence, but could someone advise me on whether the First Tier had a duty to consider the GP report which we gave them after they refused support goup for my wife. Many thanks JTucker

Hi guys i was the victim of identity theft last year and as a result of this my credit file is horrific there are hundreds of linked addresses. Accounts i know nothing about and loads of searches and my credit score is something like 54 extrememly low. Natwest closed my account last year with no reason whatsoever and since then i have no account anywhere, I applied for the cashminder a couple of weeks ago and recieved a letter today teling me it had been declined. I was told this account was not credit checked so thought hey maybe they can help. I sent additional details relating to the identity theft and also my identification as well as the copy of a password i now have on my credit file which is needed in any genuine application. I have today sent an appeal letter to the coop asking them to reconsider and again have sent more documentation as well as a copy of my drivers license and also a letter from call credit confirming that i am the victim of fraud, Has any of you guys had a refusal for cashminder overturned? I have today signed up for a prepaid mastercard which is not what i wanting but dont seem to have much choice at the moment so im hoping with fingers crossed that coop overturn this decision and open the cashminder account for me, Any help would be greatly appreciated guys thanks.