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    • You also need to explore whether they acted on their own initiative to cancel the policy or whether they were passing on to you a decision made  by the insurance company who issued the policy.   Who is the insurance company (the company whose name appears on the policy and on the Certificate of Motor Insurance)?
    • I have added some lines – and read and made some corrections. I should leave out the stuff about being confused and perplexed. It really doesn't help – all this shock and awe stuff. And in any event, grammatically you have expressed it in a way so that your shock and awe appears to be expressed in relation to your own letter – not the letter which you have received from Aviva. Keep the emotion stuff out of it. You've got lots of good ammunition here. You don't need to start diluting it with outrage.
    • Hi Guys   Sorry for the delayed response   I have attached me Change of address letter and SAR which I am sending to EPS. I have redacted my information but apologies if I have missed something   I have also attached my snotty letter to Gladstone   Let me know if i am missing anything or need to change anything. I was thinking of sending the letter to EPS on Monday and then Gladstones on Wednesday   Also regarding @honeybee13, the comment about saying 'the driver' rather then I. I wasn't too sure how to implement this given i'd have to put my name in so they have someone to send the letter back to?    EPS Change of address and SAR Letter Redacted.pdf Gladstone Snotty Letter Redacted.pdf
    • Hi   I haveh ad a good re read of your Topic and do agree with BazzaS  that you need to take a step back from this and I can appeciate that you are not happy with the treatment that your relative has been given due to the sleeping pill being prescribed.   You mention the wait at the hospital of over X hours but you do not say if this relative went to a certain department with a GP letter or whether this was via the hospital A&E Department.   If it was via the Hospitals A&E Department you need to bear in mind the following:   1. This was during COVID-19 and protetions will be in place to protect both Medical Staff and Patients coming to A&E   2. The A&E Department will Triage every single Patient coming to that Department as to who needs instant medical treament to those who can wait a certain period but as this can be a fast flowing Department the Triage System can change minute by minute dependent on the amount of Casualties/Patients they have to treat.   IMO you need to approach this from the beginning as to why your relative was prescribed that specific medication with there medical condition and that GPs reasoning at that time. (was this fully discussed with that relative at that time, as you say they have capacity to sign a letter, did they understand what the GP was saying at the time about this medication and did they agree to the GPs decision to prescribe this medication if they have capacity and were the possible side affects explained)   My concern is you state they have Dementia then state they have capacity to sign a letter but we are unaware of what type of Dementia the relative has i.e. is it early onset Dementia as you need to be very careful if they have memory loss issues with stating they have capacity to sign a letter when there is no Power of Attorney nor Deputyship in Place for that relative.    
    • Be Wiser is the Trading Name of Atlanta 1 Insurance Services Limited, an Insurance Broker (see this link Privacy Policy look under 'Who we are': https://www.bewiser.co.uk/privacy )   Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   Company Number: 03642372   Incorporated: 1st October 1998   Company Type: Private Limited Company   Directors: Craig David Ball (Appointed 22nd March 2005) & Ian James Donaldson (Appointed 20th December 2004)   Companies House Link: https://find-and-update.company-information.service.gov.uk/company/03642372   FCA Register: https://register.fca.org.uk/s/firm?id=001b000000MfWfKAAV (according to above link they have 36 different Trading Names)   As stated send them a Subject Access Request (SAR) asking for 'ALL DATA' that little phrase covers whatever format they hold that Data in and they have 30 Calender Day to respond and the Time Limit only starts once they have acknowledged reciept of your SAR and are not asking for further identification which can then extend the time limit.   In the Privacy Policy Link: https://www.bewiser.co.uk/privacy  (see 9. What are your Right for who to send your SAR to (in fact see below))   Data Protection Officer Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   There Terms & Condition on ther website isn't really clear on Cancellation in the circumstances you describe but it does mention elsewhere about if you have a telematics insurance policy to refer to suplementary information which isn't on there website.   Do you have a copy of your actual Polict that they sent you that you could post up in PDF Format and make sure it is redacted please as the T&Cs on there website may be different to your actual Policy due to them being a Broker.  
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Insolvent Ltd Company - can I claim?


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Hi everyone

 

I'm new here, so be gentle with me!

 

Long story - short summary. My company ( I was a director) recently became insolvent (voluntary arrangement) and I have a joint personal guarantee (with my husband) covering about £22k with HSBC

 

Two things really. Firstly, we are partly in this position due to pressure from the bank, and I am determined to try and recover bank penalty charges from them, together wiith a PPI which I believe we were incorrectly sold to cover a small business loan; both stretching back six years. How do we go about this now that the company has ceased to trade? The idea is not to get hard cash returned, but to 'set off' what we owe. Do we have to apply through the IP (he is not keen to get involved!), or do we have a right to claim on our own behalf? We'd be really grateful for some comments.

 

Secondly, we have been trying to keep some dialogue going over our personal guarantee, but having approached our local business manager, he is very offhand but has now (after 7 attempts) found an address for us to contact. We are keen to freeze any interest and stop any further charges, and pave the way for a full and final offer. The IP has only just sent off the creditors report and we want to keep ahead of the game. Will it win us brownie points

to get in touch now or should we wait to be approached. If we approach them, what should we say to safeguard our situation, and should it be sent via the local branch?

 

Sorry it's such a long stream, but it's such a comfort to know there is support out there. Many thanks for any advice you can give us.

 

If this is not in the right thread I am sorry.

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Hello peopleshares,

 

I'm new here, so be gentle with me!

 

Long story - short summary. My company ( I was a director) recently became insolvent (voluntary arrangement) and I have a joint personal guarantee (with my husband) covering about £22k with HSBC

 

Two things really.

Firstly, we are partly in this position due to pressure from the bank, and I am determined to try and recover bank penalty charges from them, (The penalty charges are the subject of ongoing high court action so any claims you submit will be stayed until the outcome of this action) together wiith a PPI which I believe we were incorrectly sold to cover a small business loan; both stretching back six years. How do we go about this now that the company has ceased to trade?
The idea is not to get hard cash returned, but to 'set off' what we owe. Do we have to apply through the IP (he is not keen to get involved!), or do we have a right to claim on our own behalf? We'd be really grateful for some comments.

 

Secondly, we have been trying to keep some dialogue going over our personal guarantee, but having approached our local business manager, he is very offhand but has now (after 7 attempts) found an address for us to contact. We are keen to freeze any interest and stop any further charges, and pave the way for a full and final offer. The IP has only just sent off the creditors report and we want to keep ahead of the game. Will it win us brownie points

to get in touch now or should we wait to be approached. If we approach them, what should we say to safeguard our situation, and should it be sent via the local branch?

 

Sorry it's such a long stream, but it's such a comfort to know there is support out there. Many thanks for any advice you can give us.

 

If this is not in the right thread I am sorry.

 

Hello I am no legal expert or even a legal novice but if you can post more information then assistance I am sure will come your way.

 

Firstly what reasons do you have to suggest the PPI was mis-sold?

 

Please see here for reasons for mis-selling............

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

these links are from here where there is a lot more information to assist you................ links

 

You haver asked a lot of questions and some I am unable to address others my be able to help but at least I hope this gets you started.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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