I have a friend who has been messed around by a company for over a year regarding a potential debt issue when he expressed that the added strain of the length of time he had been waiting for their replies and dealing with the issue and misinformation he had been given had made him feel suicidal. He was expressing how bad their service was. A month later, after he sent the letter, he received a call from the police. He had to explain that he was not going to kill himself and had never had that intention either and when was this a police issue?. The company had coldly reported him and not sent any warning of this to my friend. He just received the call out of the blue. If he had not happened to have been around, apparently a police car would have been sent around. He was distressed by this and has never had anything to do with the police before and certainly not police cars outside his home. He said it felt like an act of bullying on the companies behalf. Not only was this a breach of data protection during a conversation with a company, but surely this can't be the correct thing to do?

My wife and I have booked a cruise through Tui and my wife made the booking and today I phone the Tui shop and asked about a cabin upgrade and they had to have permission from my wife to speak to me about upgrading and after she gave permission I was told that it had to be done in person so I said I would pop in later to sort out the upgrade and choose the cabin ( which is another fee ) When I arrived at the Tui shop I was told that I could not do the upgrade as my wife was not with me I said that you spoke to my wife this morning and gave permission at no time did you say that she had to come with me ,cant you phone her at home and she can give permission .No was the reply Data Protection .my name is on the booking and I paid for the cruise in full check the payment ,but they would not deal with me . Surely if they spoke to my wife this morning and knew I was coming to pay for the upgrade why is this Data protection stopping me from doing something so simple no wonder firms are losing custom

Simple questions. Can the DVLA still give out your details without your express permission? Will it have any impact on PPC's and the way they handled data?

Guidance Data Protection: rights for data subjects READ MORE HERE: https://www.gov.uk/government/publications/data-protection-rights-for-data-subjects/data-protection-rights-for-data-subjects

Hi, Just wondering if anyone can help, my claim for income protection has been declined. I have appealed but couldn't see any reason for the insurers to decline the first place I have been diagnosed with depression. Please see the reasons below: 1) They rejected claim without seeking any medical evidence from my doctor 2) They applied a deferred period even though they state it is a linked claim 3) During Rehabilitation Sessions (which turned out to be Claim Assessment Sessions) the specialist was more interested in gathering information to build a predefined conclusion to my absence other than my symptoms I would be grateful if anyone can help with the following: Does my employer have a duty to ensure the claim is assessed fairly Does my employer have a duty to litigate against the insurer Can my employer sack me before I get a decision from the Financial Ombudsman Thanks Ad

Hello all, Had to guess as to the best place to put this as a bit of an odd case this: A year or more ago I took out Income Protection Insurance with Trent services. On May the 3rd 2018 I was told -totally out of the blue- that I was to be made redundant. Last week I received a letter from Trent services saying they were going into administration but a new company was taking over from May the 9th so I needn't worry. The issue is that my "incident date" as they call it, is six days prior to that and therefore, although my claim is legitimate, it can't be/won't be paid. The old company has no money to pay it. The no one won't accept responsibility and my employers can't change the date of my redundancy because of potential audit repercussions. This puts me in a pretty dangerous situation as I have only just committed to a new mortgage (two hours prior to redundancy!) Is there anything I can do? Thanks all Ali

I’ve never needed a mobile phone except when travelling up north to see my mum who’s in a care home. Just before Christmas 2014 I got a mobile phone from EE so I could stay in touch with work, etc., while visiting my mum. When I set it up it was clear that it didn’t work. I tried all sorts of things and it still wouldn’t work. But I forgot about it for a few days. When I got back after Christmas I decided to phone EE and tell them that it didn’t work. The problem was that they said I didn’t pass the security questions; as a result I could not speak to anyone. Couldn’t report that my mobile didn’t work! The weeks went on and I made other calls to EE, but was told each time that I had failed the security questions. Meanwhile, of course, I was paying for this non-working phone every month by direct debit (or standing order, I forget which). This went on for month after month, and still I was paying for a service which didn’t work with no way of getting the issue resolved. It was such a small matter (as I never need to use my mobile except at Christmas when I am away with family) it was out of my mind for 99% of the time. Eventually I reasoned that I was going to be paying for this broken thing for years – and they were never going to listen to me because they would always say that I had failed the security questions. I took the only option which was then open to me. I cancelled the monthly payment to EE. Now things actually made sense, and at last I was not paying regularly for something that had never worked. At this point let me be clear about something. I could install apps on the phone and I could use it for playing solitaire and other stuff like that. But I could not do what you are expected to be able to do with a phone, i.e. communicate. EE themselves will be aware, as they would have access to such data, that: Number of phone call I made while in that contract = 0 Number of phone calls I received while in that contract = 0 Number of text messages I sent while in that contract = 0 Number of text messages I received while in that contract = 0 That is the level of service I was getting from my EE mobile phone. In the meantime I had paid over £650 for this nonsense. I phoned EE again. again I was told that I had not passed the security questions. But by this time I was aware that the operator at the other end was reading a large amount of text which had been written on my account, EE was obviously well aware of the issue. Also EE would have been aware of the 0 calls and 0 SMS aspect of my strange account. It’s just that they obviously didn’t give a monkey’s. I asked how I could resolve this. How could I prove my identity? I was told to go to my local EE store with some ID and I would be given a password which I could use in subsequent phone calls to the help centre. I did. I phoned EE with my new password and asked for my money back. I was put on hold for several minutes and then told that the account had been passed to the Collections department as it was in arrears (of course they would have been flagged as in arrears: the only way to stop being mugged every month was to cancel the monthly debit!). (Oh yes, and to add insult to injury, because of the misperception that I was in the wrong EE was allowed to put a black mark against my credit rating. I also had debt collectors writing to me. But I was able to explain to the debt collections agency what had happened and they just dropped the case against me immediately- no excuse with security questions there: I just TALKED to them and they LISTENED! It's what people do.) The person I spoke to in the Collections department acted exactly as Collections people behave and said that I could not have my money back. When I explained that consumer law was on my side he said that I had “failed data protection laws”. I reminded him that data protection laws were there to protect consumers, not corporations who sought to rip consumers off as EE was obviously very keen to do to me. I also said that I wanted EE to delete the black mark that they had put against my credit rating. Characteristically he said that he couldn’t do that either, again, because I had “failed data protection laws”. EE is yet another company who uses data protection laws to their own advantage; to clobber consumers with them! I wonder if anyone else has been treated in this way by EE or another supplier. I’m also wondering how to get my money back – and to clear up my credit rating – from such a bunch of intractable people.

Last autumn I checked my credit file and I saw loads of credit searches that looked like insurance - Aviva etc and probably a quote website, lots of mentions of LexisNexis. I then noticed that the date of birth given for the search wasn't mine - it was incorrect. So a fraudulent search had been attempted and what's worse, the credit reference agency had allowed it to happen and given out my data to loads of entities when the data used was partially wrong - surely this should have been spotted and therefore prevented from happening? I reported every search to the CRA and they deleted them. If that weren't bad enough later on I got a letter from a car insurance company saying my care insurance had been cancelled - well I don't have a care or even a driving licence. So clearly because my data had been transmitted fraud had now been allowed to happen. I phoned the insurance company and told them it wasn't me, and also managed to get the person to admit that the data of birth was wrong. I wrote them a letter after the phone call complaining that they had allowed fraud to happen despite using bad data that should have been spotted. They wrote back saying they have sophisticated systems blah blah. They also said that they hadn't applied any negative markers and that I could use this letter as proof that I had done nothing wrong - to me that implies they have done something to my data like put me on a database saying identity fraud or whatever that may affect my ability to get insurance? I find this really annoying because I hate not being in control of my data/being on secret databases and I have done nothing wrong. Should I complain to ICO + FOS? I'm going to GDPR the car insurance company now to see what they have on me and then ask if as a result of thier negligence they have sent my data to any third parties, which they have never had my permission to do.

I received a letter from Cabot Financial claiming they own an old debt of mine from four years ago amounting to £7800. This debt may be genuine as I went through a very bad time during my divorce mentally and lost my business and home. I thought all my debts were settled at that time so I would like to challenge them as my credit file shows no debt. I have sent a prove it letter and would like to know my next step, a CCA request or SAR request should they persist. I have read that sometimes unsecured debt cant be enforced because the relevant paperwork is lost, is that correct? I am about to retire and have no assets. Thanks in advance

Greater protection for renters thanks to plans to tighten tenant safety READ MORE HERE: https://www.gov.uk/government/news/greater-protection-for-renters-thanks-to-plans-to-tighten-tenant-safety

I've just been glancing through a worksheet provided by my local council on the new GDPR rules. One of the guidance notes states that: "You must tell people in a concise, easy to understand way how you use their data." It also states that "consent" for your data to be used in different ways must be freely given, pre-ticked boxes will not be sufficient. i.e. a seperate consent is needed for each type of use the data is intended to be used. So...where the DVLA is concerned I am quite happy to give my consent for a record to be kept of when my car is taxed, insured and MOT'd. However I do not give my consent for any personal details, such as registered keeper, to be given to any third party. I wonder how this would stand up when the new regs become law on 25th May 2018?

Something that has been bugging me for a while. I do not want to name this company but people who have been following my thread against a certain security provider. Will know who it is. They have recently had a revamp ad have renamed their Mobile Patrol Officer position as Protective Services Officer . However reading up on this it appears it is the same name that police use in Australia . http://www.policecareer.vic.gov.au/pso/about-the-role Is this legal as the name is misrepresenting the actual job the person or company is claiming to do . Which is nothing near what the police do.

Airline Insolvency Review to examine protection for air passengers READ MORE HERE: https://www.gov.uk/government/news/airline-insolvency-review-to-examine-protection-for-air-passengers

Just wondering about this: As a part of an investigation at work, one of the emails sent to me by the case investigator was mistakenly sent to a person in the NHS trust who isn't part of the investigation. Does this constitute a breach of confidentiality and/or data protection?

I have to be very basic in the info i give for legal reasons but wonder if i can get some advise Person A, Purchases a Holiday in Person A's Name. Person A Invites Person B to join the Holiday. Can a Council Contact the Holiday company and request booking info who was on the list if they wanted to check out person B where Person A is not subject of any involvement / investigations. can the council / under data protection obtain this info legally? Person B is under investigation by council and Person A is not in any way linked to this other then the invite to come on Holiday.

I'm unsure where to post this, I added FLP to my home insurance I needed to call on this policy therefor, sought legal advice through my home insurance policy. The policy referred me to a company (outsourced but covered under the policy) Initial merit test concluded I had over 50% for a successful ET claim, a solicitor was appointed, whilst the solicitor was compiling an ET1claim form, I was advised to contact ACAS to obtain ET certificates, unfortunately, ACAS helpline failed to advise me correctly, this resulted in me completing an ET1 claim form in error. Realising my mistake, I rectified my error with ACAS &the ET service on the same day. Several days later, my appointed solicitor issued the ET1 claim they were in the process of compiling. 2 weeks after rectifying my error, I received a “withdrawn” certificate from the ET service claiming I had withdrawn my claim; I forwarded this onto my appointed solicitor for clarification. Turned out, the initial form I completed was an ET1 claim, I was unaware at the time, following me informing the ET service I made an error, the ET service read this that I’d withdrawn my claim. Under rule 51 & rule 52 ET, you cannot submit an ET1, withdraw, and then resubmit another ET1 The company my solicitor represents decided to cancel my FLP cover, citing I mislead them by not disclosing I made an ET1 claim, at the timeI filed the form out (ET1) I was under tremendous pressure, and under GP treatment due to the issues that instigated my ET claim. I explained numerous times to my legal appointees my error was based on the advice I followed from ACAS helpline, My legal appointees refused to budge, despite all the evidence (emails, telephone calls to ACAS / ET and my deteriorating health) my FLP was cancelled. I sought alternative legal advice, currently; I’m £7000 out of pocket. I went through my legal representatives complaints procedure, my formal complaint wasn’t upheld, again, citing I mislead them bynot disclosing the initial error I made, thus, chances of successful outcomehad dropped below 50%. Based on the actions of my legal representatives, I registered a complaint with the legal ombudsman (including official documentationof the appeal hearing) The legal ombudsman service does not uphold my complaint, agreeing with the legal company, i.e. I should’ve informed my legal representatives of my initial error, allowing them an opportunity to rectify it, in hindsight, I believed I’d rectified it. As my initial error was rectified the same day, I didn’tthink it was as important in comparison to all the other issues I was experiencing. As a footnote, I had to appeal against the decision made inrelation to the “withdrawal” certificate, that hearing went without issue, the respondents and the ET judge accepted, I made a genuine error, my appeal was upheld,allowing my ET claim to proceed. I genuinely made an error, accepted by the judicial system, albeit at appeal. Whilst I accept the decision of the legal ombudsman’s service, given my initial legal representatives were fully aware of my medical condition and anxious state at the time I made the error, I believe, morally, mycomplaint to the legal ombudsman should’ve been upheld. The question is, as the legal ombudsman has failed to uphold my complaint, is it worth me issuing a complaint to the insurance ombudsman?

Just over a year ago my wife was driving me into town in her car on a day when the ground was snow covered. My wife stopped at the foot of a hill when she saw that a car half way up the hill had stopped and was clearly in difficulties. The car then began to slide back down the hill very slowly and with cars behind us, my wife had no way of moving out of the way. The sliding car came to a halt when it bumped into our car. Driver admitted fault and exchanged details. A few days later got the go-ahead to have the car repaired and paid the £95 excess to the repairers when the repair was complete. Contacted wife’s insurance company to ask how to reclaim the excess and was told that we would have to reclaim from the other drivers insurance company which they said was Aviva. Aviva was not the insurance company named by the driver. However, phoned Aviva and because they said that the details we had provided were wrong they would not discuss the case and that we should again contact our own insurance. And yet we had provided the drivers name, the registration, phone number and the other relevant details as given by the driver. Contacted our own insurance again by email to verify or correct the details of the other driver and were shocked when they replied that because of the data protection act, the could not provide the other drivers details. Phoned the Ombudsman and was told that he could not understand why they would not provide the details because these were the details that were required in an RTC and in any case could be accessed online. Own insurance wouldn’t budge. Just received our insurance renewal which logs the bump as being my wife’s fault. Data protection has indeed gone mad. Aviva wouldn’t discuss because we gave the wrong details and our own insurance wouldn’t provide the details either because of data protection. Any advice?

As reported on Parking Prankster... CEL have been ordered to pay £905 in compensation & costs for breaching the Data Protection Act in regards to a private parking ticket. Ouch! http://parking-prankster.blogspot.co.uk/2017/05/motorist-awarded-900-for-data.html

Hi Guys, Need your advice on this unusual problem. Sorry story is a bit long. I’ll spilt it by bullet point to make it easier to read: 1. 23 Dec 2016 – went to the store made small purchase requested £50 cashback. Was deep in my thoughts. Felt a bit awkward at the end of interaction with cashier who started behaving strangely by completely ignoring me and started chatting with colleague. After packing few purchased items I was waiting patiently not realising what for. Felt as something did not finish - no eye contact from cashier, no thanks / goodbye. I’ve felt a bit strange and waited for much longer that socially acceptable in such situation and then left the store without exchanging a word with cashier. 2. Few day later realised I did not had my cash. As I was not out of the house since visiting store I could not have spent it or lost somewhere. 3. Waited for store to open again and went to speak with manager on 27 Dec 16 to ask them for my cashback and checking CCTV to confirm it was not given. Duty manager said he cannot view CCTV but checked till for that day and there was no extra cash in the till. He also found small receipt with my signature that confirms I’ve received cash. Signature seemed to be mine but I do not remember signing it nor receiving cash. 4. I’ve got my receipt with cashback on it. I am guessing I was asked to sign small slip confirming I was given cash and then was given my store receipt. That triggered me into thinking I got what I needed and made to forget about my cash by cashier starting to completely ignoring me. 5. I’ve spoken to customer services and same manger again who were pointing at each other saying I need to request CCTV footage and pay for it and that only store manager / area manager can view CCTV. 6. 6 Jan 16 spoke to customer services who then spoke to store manager who then checked till records again stating no extra cash was reported on that day. 7. Managed to speak to store manager in person on 6 Jan 16. Did not get much was just fobbed off making it sound it was my fault and I should have checked cash in store and they conducted their investigation. This person was quite elusive did not wanted to talk. Said nothing I can do. Both managers felt a bit arrogant almost as if they were saying good luck with that! If you know what I mean. 8. 6 Jan 16 stated electronic communication with customer services sending all above information via web form. Starting message with I am making formal request for CCTV footage under Data Protection Act 1998 confirming I am happy to pay for it. Providing all relevant details timing till number etc. 9. 18 Jan 17 sent them all above information in registered letter. 10. Did not get any response for around 10 calendar days and called them again to chase up for reply. 11. Received reply on evening of 20 Jan 17 (Friday) stating they passed for investigation to area manager. Provided instructions for requesting CCTV and how payment should be made. Advised that I need to contact police if I felt there was theft. 12. 20 Jan 17 I replied via e-mail and asked to place hold on the footage to ensure it is not overwritten as I’ve read somewhere that their retention period is 30 days. 13. 21 Jan 17 (Saturday) send request for footage as per their instructions. 14. 26 Jan 17 received letter stating request is outside of system storage capacity. 15. Chased them up for finial outcome of area manager investigation knowing what they will say. 16. 16 Feb 2016 Received response stating CCTV has now been overwritten they conducted till review and no extra cash was found. Nothing else they can do and I can contact the police. My view on that is that they ignored my initial request under Data protection act sent to them on 6 Jan 17. Purposely delayed providing instruction for requesting footage and timed it so that I have 0% chances of making it successfully and that it reaches them before 30 days retention period to cover up for their employees. I’ve seem to exhausted my option to get this resolved with the company and looking for advice on taking this further. I feel up to taking them to small court claiming for postage, petrol cost for number of trips inconvenience and original cashback. Just wanted to get your views on chance for success and some help with small court procedures if will be going that way. Thanks for reading!

Hi all Going through some old paperwork I found I had a 3k loan over 18 months back in 1996 with RBS. It has a loanguard booklet and have before seen a letter I am fairly sure saying I had this. I also found two personal illustration letters from 1999 talking about a lifetime assurance plan and mortgage protection plan. Sounds crazy but RBS, or RSA? collect a £5.00 a month d/d from my account which I thought was something I had to have...but don't actually know what its for as no reference numbers attached :/ What is the best way forward on this please? I did a few with Lloyds for my Dad but had all the paperwork, however this is much older! Found some paperwork, the £5.00 per month is for Royal Scottish Assurance Life Protector, I am sure I was told this was compulsory when you have a mortgage though? Mortgage started 1997 £45k but has changed lots and not even with RBS anymore! It changed to Aviva, or they took over in 2011. My mortgage also isn't with RBS anymore so all their information would be wrong. How do I stand with this please? Many thanks E!

Apologies if this is in the wrong forum, I have spent many hours going back through statements and other related paperwork. I have kept every scrap of paperwork so have proof of everything I refer to below. I would appreciate your help in what to do next. I have tried to summarise events as best I can. The things that stand out to me are the Mortgage Protection & Income Protection did I really need both and that Norwich Union would pay the bank commission for arranging the policy. There just seems too many Critical Illness/Life policies at this time the total we owed around this period was about £45,000. Looking at it now it just seems over the top. I am no expert and will stand corrected obviously. I would really appreciate it if someone would take the time to have a look through and advise what I should do next if anything. If there are any questions then I will do my best to answer them as soon as I can.Thanks in advance. Regards Will INCOME PROTECTION, ENDOWMENT POLICIES, CRITICAL ILLNESS, LIFE POLICIES 1984- 07.10.08 CIS Cooperative Insurance Policy Number xxx6695 This was the Insurance policy against Endowment Mortgage account Number 40-xx-xx xxxx2998 (xxxx8196) Interest Only Mortgage Guaranteed Death Benefit/Target Amount on maturity £19,000 CIS Premium: £39.06 15.08.94 Midland Repayment Protector IPT will increase your MRP premium from 1.10.94. your monthly premium £10.47. 20.09.95 Midland Life Mortgage Endowment with Critical Illness Benefit Plan xx4339R To be issued by Midland Life Limited on the lives of Myself and Wife. 1995 - 2006 Cover £10,000 Term 11 years Monthly Premium £60.30 03.10.95 Midland Level Term assurance policy with Critical Illness for Me sum assured of £52,054. On a Single Life basis for a term of 18 years. Policy xx9914L-01 1995 - 2013 £34.06 per month. 03.10.95 Midland Income Protection for Me after 26 weeks Premium £11.52 per month. 03.10.95 Norwich Union Healthcare will pay Midland Bank commission for arranging policy. 01.12.95 Norwich Union Healthcare Safeguard Income Protection Policy Number Insured me xx8593Scheme 26 wk DP/IND Link Monthly Benefit £518 Premium £11.52 10.04.96 Midland Mortgage Repayment Protector (MMRP) Insured Person Me Policy Number. MBRP xx9966 Monthly premiums £8.70. 04.09.1997 Midland Life Policy (Joint Policy)Mortgage Protection Plan with Critical Illness and Permanent and Total Disability Benefit Policy Number xx9542B Insured Persons Myself and wife Amount of Life Cover £10,500 decreasing over the term of the policy. Commencement Date 02.09.1997 Expiry Date 02.09.2007 Premium £13.68 20.10.2000 Norwich Union Healthcare Safeguard Income Protection Ref xx8593 (HSBC-was Midland 31.10.95) Commencement Date 01.12.95 Monthly Benefit £575 Premium £ 21.53 April 2005 HSBC Letter Mortgage Repayment Protector Policy MBRPxxx849 To say that the policy is administered on behalf of the Insurers by FirstAssist Insurance Services Limited, future DD will be collected by FAIS Limited instead of Royal & SunAlliance, w/c 22.05.05 12.04.06 HSBC Mortgage Payment Repayment Protector Policy Number MBRPxxx849 Monthly Benefit Increased from £550 to £1,300 Monthly Premium £77.22 (27.04.06) 20.10.09 Aviva Income Protection(see 03.10.95) Midland Bank/Norwich Union Agent Name HSBC Bank Plc Policy Number xx8593 Premium Monthly £32.67 Payment Due Date 01.12.09 Monthly Benefit £733

Today I got a message from Payment Protection Scotland about payment of PPI and to pay their invoice. I will start with how everything started. Back in March I had filled in a form about claiming PPI with them and heard nothing back. 2 weeks ago I got a call from the Bank Of Scotland's internal PPI team asking me about PPI, what credit cards I had with them, when I got them, was I miss sold it or did I know etc and the man said thanks for everything, I'll let you know in 4 weeks what decision has been made, he said if any payment of PPI is due because I only paid it for one year, he told me that over the phone I only paid PPI for one year then it would be paid into my account and if not a letter would follow explaining why not. I don't check my bank account everyday I had no idea about this payment. I called the Bank of Scotland and they confirmed that the payment was made by them into my account for the PPI I am owed but they can't comment on any agreement made between me any other party. they want me to pay over £90 in fees and I don't know what to do. I don't know if the man at the Bank of Scotland phoning me was to do with them or if it's just their own internal team making phone calls to customers. I don't know what to think or do.

Just a quick one before i jump in and start filling in forms thought i had reclaimed all my PPI years ago, however i recently went through my statement and realized that i had two direct debits to the halifax for a bit i thought it was for the home insurance i moved a while ago - then realized it was morgage protection thinking back i can remember them saying that our morgage application would be looked on more favorably if we took it on... now for the first two years of the morgage this was about £50 a month, until we rang them up as it was really high and they removed things like the illness cover and just left the death policy on it at which point it went to £17.07 - which we're still paying apparently 9 years on is this something that its worth complaining about as i had and still have a death in service benefit of 4x salery (about £100,000), we were told that it was more likely the morgage would be accepted if we took it we're also looking at cancelling it as for the same price we have been offered life insurance at a payout of about £150,000 (vs the £25,000 left on the morgage) is that the best route?

I live on a canal boat, for which I am required by the 1995 British waterways act to have a licence, the licence is a statutory requirement, British waterways was changed to a charitable trust some years ago but the legislation that governs licences has not changed, the trust is now falsely claiming that this licence is now a contract which they can add their own terms and conditions to without any recourse to parliment, and can cancel at any time they choose if the boat owner breaches any condition they have invented. The trust has now " re interpreted " the 1962 transport act section 43 and are claiming this gives them the authority to do anything they want, but they can't hide the fact that licences for boats on their waterways were not invented until 1975, and a public right of navigation existed on all their waters until 1968, so whatever way you interpret this section of this act it cannot possibly apply to licences. BW never claimed it had any such powers and post 1962 sought the consent of parliment for four new sets of bylaws, and 11 further waterways acts. The trusts is doing this because the law gives boat owners certain statutory rights which the trust wants to con them out of, many boaters already believe that the licence is a contract with contract terms and conditions, it sounds so right, but it is not true. I have taken the trust to task over this in a reasoned and polite way, they have banned any of their staff from speaking to me, and blacklisted my email and phone, they have also stated to me in writing that they will refuse to issue or renew a statutory licence unless their contract is agreed to, agreement to a contract or anything else is not a statutory pre condition of this licence surely must be illegal, the contract illegal and therefore unenforceable ? I and all other licence holders are being forced to agree to a contract we do not want, which the law states we do not need to obtain a licence, the Trust is blatantly breaking the law, which for them has no consequences, without funding a very expensive judicial review of the legislation we are at a loss to find a way to challenge this.

Hi I am trying to get clarification if the cardholder protection plan on my Tesco card in the years 2000 - 04 were in fact PPI. The amount changed each month depending on how much I had spent. I did not have a balance on the card as it was paid in full each month, many times overpaid. I think in the 4 years I only got charged interest a few times. Also on the same card we had a yearly Sentinel protection paid once per year. What I am confused about is if this was in case my card got stolen, why would the amount fluctuate? surely it would be a standard price per year or month. I have read the date for claiming CPP has ended but I have also read that only applied for CPP between 2005 - 2014. So before I go to Tesco I would like to know if it is worth it and also what I had been sold Any advice appreciated