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    • If someone only receives a Govt benefit - ie working tax credit - and barely has enough money to pay for food, utilities, public transport and general essentials - what happens if their bank receives a 3rd party order to freeze the account because of an unpaid debt and a mistaken assumption that account holder has hidden funds/savings ?  Does the bank allow the account holder access to the bank to pay for life essentials?  Or does the bank literally freeze the account so nothing can be bought, no bills paid for ?   
    • Hi   As promised here is a response I have put together for you please fully amend as required   Dear XXXXXXXXXX   Complaint Reference: XXXXXXXXXXXXX   Further to your correspondence on XX/XX/2021 I find your response unacceptable for the following reasons:   You felt there was a data breach due to maladministration as we had the incorrect email address for you. As previously advised, the email was not sent to another individual but was undelivered due to having the incorrect email address. I   have requested a copy of the undeliverable message from our IT team. Once this has been received, I   will forward it to you. This has not been reported to our data protection officer as there was no breach. I  did also try to contact you by telephone to get the correct email address after it was returned to us, but there was no answer   I disagree with the above for the following reasons:   a) The Housing Association that sent it to the incorrect email address  b) The Housing Association were fully aware of my email address as you have been responding to myself at my email address even when I initially reported this and had a response from your online portal. c) This was a potential Data Protection Breach irrespective that it was undelivered and should therefore be reported to your data protection officer. d) You were responding to my emails at the correct email address and the as previously stated when I initially report this and got a response from your online portal to my email address, you incorrectly sent the response to an email address due to typo errors in that email address by the individual that sent.  e) If the individual that sent that email to the incorrect email address due to typo errors was yourself then you have a Conflict of Interest in dealing with this matter as it involves yourself and someone else should be responding to that matter therefore I require clarification if it was indeed yourself that sent the email to the incorrect email address.   You feel that this should be a stage 2 as your response was out of time due to having the incorrect email address. You received the response one week after it had been originally sent, once you provided the correct email address. This would not meet the criteria for escalating to stage 2. I  had already offered compensation of £25 for the delay in responding to your complaint. My colleague that reviewed this for stage 2 has advised that an additional £25 could also be offered to compensate for the delay caused by not having the correct email address.  Please note any compensation awarded would be offset against outstanding arrears in the first instance should there be any on your account.   I disagree with the above for the following reasons:   a) Your initial response was sent to an incorrect email address due to typo error irrespective that it was received one week later it was still out with the agreed stage 1 Time Limits therefore should be dealt with as a Stage 2 Complaint    Contents insurance is the responsibility of the resident to arrange. You are aware when you take on your tenancy that your personal belongings are your responsibility to repair and maintain, not A2Dominions. As such, any insurance to cover these items would have to be arranged by the tenant. There is no requirement for us to advise of this. Your tenancy agreement gives a comprehensive overview of what is A2Dominion responsibility. Should you have any queries about these. you can refer to the document   I disagree with the above for the following reasons:   a) As I was not aware of this by your staff when I took out this tenancy but you point out I was made aware therefore I would like to be provided with evidence from my housing file that I was informed of this when signing this tenancy agreement. If you cannot provide this then you cannot state that I was made aware at the time of taking up this tenancy. b) You point out their is no requirement for you to advise of this which I find astounding for any Housing Association to state this as they should be making any new tenant fully aware that Contents Insurance is required and the reason.   I  have been informed that the flood affected many members of the community that day. There were so many people affected that a local support group was also set up. This shows that the issue was widespread, not just limited to affecting your property and also proves that the issue stemmed from a wider mains issue. I do appreciate that there was a blockage in your drain which exacerbated the issue within your property, but as advised in my stage 1 response, this was attended within our urgent call out timeframe of 24 hrs. This was then passed back to Pyramid Plus as they were unable to dear the blockage, and follow on works were arranged. We are unable to attend to issues until we know about them, and we attended as soon as this was reported to us.   I disagree with the above for the following reasons:   a) In a previous response you blamed the mains water companies issue therefore not the Housings issue now you have changed it to a wider mains issue yet as I preciously asked to be provided with evidence again you have failed to provide that evidence. b) The blockage which you have previously been in denial about and suddenly admitted and openly blamed the main previously you have know admitted. As this blockage I within your property boundaries and is inside internal in my property the Housing is responsible for that issue and the further damage caused. In reference to your request for the previous reports by other residents, we would be unable to provide that information to you. We cannot discuss any reports by other residents under any circumstances   I disagree with the above for the following reason:   a) My request for how may tenants have complained about this you previously stated 'your system does not allow you to find this information' and now it is 'we cannot discuss reports made by other residents under any circumstances' I find this completely unacceptable as I did not ask this I only ask how many tenants had complaint about this issue whether it be one or ten as an example how difficult can it be as this does not breach any data protection laws and if you still insist on this approach then you can provide my with with full and I do mean full clarification as to your reason with which article and section of the data protection act you are using for your failure to comply with a reasonable request and your failure still to explain FOI.    
    • No!   Not because what you've written is wrong - it isn't - but because it's best to keep Simple Simon in the dark about how you are going to bat off his claim.   Look at   https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-jun-2021/   and then scroll down to   Q2) How should I defend?   Adapt the defence there.   The more you read up on VCS "no stopping" airport threads here the more you'll educate yourself on what needs to be done.
    • Defence :   1. No keeper liability as this is not “relevant land” under the POFA 2012 and I the defendant puts it to strict proof that VCS show as to who was the driver at the time. 2. No contract was ever offered by VCS, land is subject to own byelaws and signage is prohibitive so there can be no monies due as a result of either a contractual charge or as a result of a breach of contract.   is that enough?
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Elelephant - their mistake and want £360 extra!


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I insured my impreza through elephant in november. I did the usual search through confused.com. During this process I entered my car reg and filled out the rest honestly. I got a quote with my wife on and rang them direct. Paid the deposit and kept motoring.

 

When I looked closer at the docs a month or so later I noticed the database that they use when assigning detail from the reg number had actually listed the car as a..

 

subaru impreza wrx uk 300.

 

My car is infact a ...

 

subaru impreza wrx sti type uk prodrive.

 

I thought nothing of this as I had entered my licence plate into the website and it had subaru and uk 300. It was only when I had browsed a few enthusists forums about imprezas that i realised that, technically, this was a slightly different car. (I still don't get it all to be honest!).

 

I worried about this, so I sent an email just before xmas telling them I felt it only fair to point out that that their records of the type of vehichle may be wrong.

 

Got an email back stating...

 

"All prices quoted are in pounds sterling.

 

Thanks for getting in touch.

 

Just to let you know, we've changed your changed your vehicle on your policy

from 22/12/08 as requested and updated documents are on the way to you.

 

There is an extra charge of £356.21.

 

As a result your new monthly payments are £106.69 with the next payment due o

21/01/09.

 

Yours sincerely,

 

 

Kathy Mead

Customer Services

ECSE"

 

This is on top of a policy that already costs £700.

 

Surely this is an error on their behalf not mine? I know I can get a full years policy for that increase alone. Is it my fault their dvla database is wrong?

 

GRR!!!

 

John

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Unfortunately, you're going to struggle with this one. The onus is on you as the proposer to ensure that all of your details are correct, when you input your reg no on the site it will have come back with the wrong vehicle at the time, by going ahead with the policy you were confirming that the details were correct.

 

Obviously this is just looking at it in black and white and it is understandable that you may not have noticed or even appreciated that there was a difference with the models but strictly speaking the error was yours for not noticing.

 

I would imagine that the best scenario would be for you to shop around and see what the best price you can get is with the correct model and see if it is worth cancelling and taking out a new policy. The problem will be that any cancellation charge is going to be based on the higher premium. If you can get a cheaper policy elsewhere it may be worth speaking to a manager there, explaining what happened and see if they will be lenient with you on any cancellation charges.

 

It may also be worth asking them to go 50/50 with you on the additional premium.

 

If you speak to them, try not to lose your rag. explain what has happened and that their DVLA search was incorrect, but be prepared for the response that I gave above about you being responsible for checking details.

 

Good luck.

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Good advice and seconded. You could, at a real push, argue that here was no contract, but I doubt this would work. Insurers are allowed to claim for mistakes like this. The alternative would be to cancel.

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sound advice. i will talk with them, in a calm way, and see what happens. I will still make a complaint to themselves afterwards and the FOS afterwards; I wonder how many people are driving around without valid insurance because of this....

 

I'll post back with the result later.

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