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    • 2 years ago I made a complaint against a GP at my surgery....the reply I received was the GP could not recall the events (in the complaint) because the GP see so many patients a day and the complaint I sent was 12 months after the event.   Now to what happened recently....   1. I had a appoointment at 10am with the same GP I had made a complaint againt over 1 year ago...I booked myself at reception and waited, waited when it was 10.20 I asked at receptionion when would I been seent, as my appointment was at 10am. A receptionist told me 'There has been an emergency of some kind with a patient...so that has caused a delay and your appointment will now be moved to another GP' - I asked why the appointment was moved and was told 'sorry I cannot tell you' and you will be seen soon.   2. 10.30am and still not been seen so I asked another receptionist, she checked the computer system and told me the GP (name) has refused to see me because I made a complaint against him over 12 months ago and now my appointment was being moved to a different GP and I had to wait. I told the receptionist this was wrong and the GP had to be impartial as a GP and he was making this personal by not seeing me.   3. Eventually I was called and saw a different GP and explained to him what happened and the GP I had originally had an appointment with had refused to see me because of a complaint I raised against him over 12 months ago. The GP I was with was shocked and surprised and told me that GP should not have refused to see me   NOW I need your help to write a complaint, please can you help me
    • ok...thank you. I have read the post (thank you for guiding me to that) and will write in similar thread.   My worry is that I lied to the inspector about not having used the card before. I also recall now that he did not ask me to sign the notes he took so I am worried I have no idea what he wrote down.    Without my signature on his notes, would this be admissible evidence in court?
    • what jokers a £5k loan now £q7k bet theres all sorts of arrears fees debt visits phone letter fees that can all be reclaimed at their int rate   get the statements quickly! sar tomorrow
    • no none at .....all waste of money. don't believe all those fake reviews.     dx  
    • Hiya   First time poster, but hopefully I can help you to resolve your matter.   I really empathise with your position. I received a visit from an equita baliff on 10 May 2019. The feeling was horrible and they were exceedingly polite but also inflexible and threatening. I was informed that they would clamp and remove my car.   The rationale behind this is that the Baliffs are not employees, they are sub-contractors paid based on the fees that they can generate. Taking a vehicle creates more fees. Unfortunately for them, there is a very quick process to get the matter resolved:   1) Phone the Traffic Enforcement Centre in Northampton - it is crucial to do this first thing in the morning. 2) Request permission to file an out of time witness statement (forms TE7 and TE9). Upon correct completion, the forms will be passed to the local authority and enforcement action will cease at that point. The TEC will inform you that the forms have been correctly filed and the action will cease. 3) Forward a copy of this email to equita 4) Contact the local authority directly and explain your circumstances. The local authority will be more sympathetic than the baliffs - especially if you are a vulnerable person. A manager within the local authority will have the authority (as the prosecuting party) to instruct the Baliffs not to continue and instruct them to waive their enforcement fees 5) To ensure that this goes smoothly, make sure you offer to pay the council what you owe and also cover the cost of the court filing fee. At this stage, it will be worth complying with the council and paying the c. £80.  
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
phatram

CO-OP OD all charges - and Loan to pay off OD...

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I have today received two letters from Moorcroft, one of which is about my CO-OP loan and one which is for an amount of bank charges the CO-OP have already refunded into our now closed current account,

 

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/75783-phil-alison-coop-2-a-7.html

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/235045-us-fredricsons-coop.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/71441-loans.html

 

 

The loan was being investigated by the FOS,

when that investigation ended I restarted paying my loan each month as required,

sometimes paying two payments a month.

 

The CO-OP have now passed this on again to a DCA who say I've not been paying.

 

I've been paying over £200 a month by building society cheque now for months.

 

Two of the cheques have been paid into our joint savings account but there is no sign of the other payments.

 

The money has gone out of our building society account.

 

Any ideas what I should do?

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Send a SAR to the original creditor, you should receive copies of statements amongst other things.


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Whats outstanding on the loan,and how much have they refunded to the closed account ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Cheers.

Gonna send this or one similar,

 

Dear Sir,

 

I am in receipt of your letters dated 07/07/2010 and feel I must draw your attention to the following

 

Alleged debt No1 for the sum of £****is a non existent debt as the enclosed copy of our final current account statement will prove

 

Alleged debt No2 for the sum of £****is for my loan.

 

This loan account was in dispute and subject to an investigation by the FOS so repayments were suspended.

When the investigation was complete I began making payments again by building society cheque

which have ALL been cashed by the CO-OPERATIVE BANK so the figure you quote is incorrect.

 

 

They have incorrectly put two of these payments into our savings account, which doesn’t say much for them.

I enclose proof of this.

Perhaps you can ask them where my money has gone?

 

May I suggest you check these things out before you start threatening people with your nasty letters.

 

You might also like to know that I will be making a formal complaint about this to the relevant authorities

Please forward details of your own complaints procedure.

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i too have had a letter today from moorcroft threatening court action on a loan that is being investigated by the fos for 9 missold ppi policies lol

 

Ill write back inviting them to go ahead as this complaint has been ongoing now for 2 yrs and i aint paying them a penny more as they owe me more than i owe them

 

Bring it on i say


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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The CO-OP say they terminated my loan account while the FOS investigation was ongoing. What should I do now?

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they have done the same to me the fos will do nothing about it as they are toothless and will say the coop have a right to do this the fos do not apply the law in these cases have a read of the uttcr 1999 it is very clear that they cannot take these actions on a disputed account


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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moorcroftrecurrentaccountaug2010.jpg

 

If thats the case this is in dispute 'cos they owe us £1000's in bank charges from our 2nd claim.

 

frommoorcroftreloanaug2010.jpg

 

I told them this loan account WAS in dispute and WAS being investigated by the FOS, this has now concluded and I started repayments. The Coop has had this money but don't seem to be able to account for it. They say they terminated the loan while the investigation was ongoing!

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To Moorcroft re current account.

 

ACCOUNT IN DISPUTE

Dear Sir/Madam,

 

Thank you for your letter of 03/08/2010 the contents of which are noted.

 

As holders of a Consumer Credit Licence you are obliged to comply with the Office of Fair Trading Guidelines on Debt Collection. I would therefore be obliged if you would provide me with an explanation as to why you are attempting to collect on an alleged debt which was disputed with THE CO-OPERATIVE BANK Plc prior to your first contact with me, and has yet to be resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

Since this is considered an unfair practice and contrary to the OFT guidelines, you should consider this letter as a formal complaint, and provide me with a copy of your complaint resolution procedure.

I also require you to confirm that you will now comply with the OFT guidelines, and will not attempt any further collection activity whilst the dispute is unresolved.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the CPUTR 2008, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

Should you fail to provide me with the required undertaking within 7 days, I shall report your breach of the OFT guidelines to Trading Standards and the Financial Ombudsman Service.

Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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I have today received the following,

1/ Concerning o/d made up of charges.

frmmcroftrecurrentaccod16aug2010part1.jpg

 

frmmcroftrecurrentaccod16aug2010part2.jpg

 

2/ Concerning loan.

frommcroftreloan16aug2010.jpg

 

Even after the useless FOS found in the Coop's favour concerning the loan, I still think it should be recalculated to allow for the charges part of the O/D this loan was taken out for. I have claimed back charges and interest but I'm still paying another lot of interest on the loan. Clear as mud I know but if I've been charged two lots of interest on the O/D surely I can claim both back?

 

Sending the following,

 

Moorcroft Debt Recovery Ltd

2 Spring Gardens

Stockport

SK1 4AJ

Dear Sir,

I repeat I consider both these accounts to be in dispute. The Co-operative bank know this and are not being truthful with you.

Find enclosed a copy of an up to date spreadsheet showing the amount I believe the Co-op owe myself and my wife.

The consolidation loan taken out was to pay off an overdraft which included unlawful charges and interest on those charges and I believe that this needs to be recalculated to allow for this.

When the bank pays me the amount owed I shall settle all debts owing to them.

I say they owe us £8k plus, they say I owe them £7k.

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fromcoop125th0ct2010.jpg

 

fromcoop225thoct2010.jpg

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Frommoorcroft11thjan2011.jpg

 

What should I do now?

 

What should I do now?

bump

 

Moorcroft returned this to the Co-op.

 

I have now received letters from Lewis Debt Recovery.

 

What should I do?

 

Just as before or take it further?

 

They have also sent letters addressed to me but sent them to my daughters university lodgings in another city !

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Something puzzling me here, the bank (Co-op ) letter says the accounts were refered to Fredrickson International, but a few lines down they say to contact Moorcroft?

 

The two have no association

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Freds returned the accounts to Coop, who then passed them to Moorcroft, who passed them back to Coop, who passed them to Lewis ! lol

 

P.S Coop now owe us £10500 in bank charges and interest. Should I ask Lewis to collect that for us then deduct what we owe the Coop and send us the difference?:-)

 

This has just arrived,

 

fromlowellscoopcrrntaccmay2013001_zps3b1fdf1a.jpg

 

Should I ignore ?

 

bump

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Is there a letter I can send to the coop that is similar to the "acc in dispute " letter but not the one for DCA's?

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Lowells have this now. I've told them the accounts are still in dispute because of bank charges but they are ignoring me.

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Is this the CO Op debt?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Did you get the SAR done as Cerberus suggested way back?


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Please Consider making a donation to keep this site running!

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Yes and yes. It's the COOP joint current account O/D debt which is completely made up of charges and interest on those charges.

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Yes and yes. It's the COOP joint current account O/D debt which is completely made up of charges and interest on those charges.

Anything of interest in the SAR data?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Dont know what you mean sorry.

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Dont know what you mean sorry.

 

 

What data did you receive?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Just loads of statements I think, was a long time ago ! :oops:

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Another letter arrived today. Who do I complain to ? Is there a letter to send off? Thanks

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Another letter arrived today. Who do I complain to ? Is there a letter to send off? Thanks

 

Saying what?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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