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    • Hi,   My friend was being bullied by a manager who kept saying that anonymous people were complaining about her, she is asian and the minority where she works, she raised concerns in her meeting that she felt it had something to do with her race and gets treated differently to the rest of her colleagues due to off the cuff comments previously made and was told by her manager that as a minority she has to prove herself more as a minority in life and thats unfortunately the way it is. Following on from this they’re were more anonymous complaints all revolving around her attitude when speaking to the anonymous individual(s), she then had a meeting with hr initiated by her managwe and expressed her concerns, no outcome was given as the hr person said it was informal and a week later she has been told that she is being made redundant, my question is there were no specific incidents mentioned and my friend is still confused exactly how this came about but suspects it’s her manager who has taken a disliking to her, is this lawful?
    • Thanks for advice . I have spoken to the ICO , and their opinion is that there “may “ be cause for complaint . In the first instance I should write to the hospital (CEO)citing GDPR, giving them 30 days to respond . If the response is not to my satisfaction , then back to the ICO to raise a formal complaint . The ICO also suggested copying in the GMC with the complaint , I feel at present that is one step too far , perhaps I will sit on that until I get a reply from the hospital.
    • Thanks ethel and stu007   Yes, we had the kerb double dropped so me and my partner can park off the road. Before , just had one, and idiot would park in middle of properties so couldn't fit two cars on road outside. Has been issued a good 3 or 4 PCNs for obstructing since done. Its the back of the car, sometimes as far as a wheel but has a long boot/bumper which hangs over, so its not fully over. Recently seems to be as far as can without getting a ticket.   CCTV - shall read up thanks. Oh also, when I say 5 CCTV, that is 4 on property (100% out of boundary) and 1 in car which is lit up all night.   Does this count as harassment? The initial start of this thread, about 6 threatening letters asking me to pay for vehicle damage or court (nothing came of this) The constant parking annoyance (going on a couple of years) The loud music, witnessed by Env heath officer but not quite loud enough for notice, so letters sent. Paint 'accidentally' spilled on road outside my property (because was parked over our drive at time) Letters about rubbish outside my own garage at rear of properties and the 4 screws attaching bamboo to his fence. Then reported me for fly tipping, didnt go anywhere as officer agreed wasn't causing an issue. I have since sorted the screws and bamboo and idiots fence is literally falling apart. Concreting over 1/4 of my grass in rear lane whilst doing own part. Stupid things like having a BBQ and the parasol sticking way over the fence into my garden. All very subtle and annoying things to cause issues, without quite breaking the law.   The council are aware and claim powerless as own properties and the police pretty much are not interested.   What can be done?    Cheers   E!              
    • Hi, any thoughts on this would be greatful, will send tomorrow i think.. letter_15th_oct.pdf
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pussycat10

Pussycat v Santander hardship claim success and default removed

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2083 days.

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Just wanted to post a success with Santander. I didn't want to promote this prior to my success as I know the banks watch this forum and could have identified me.

 

I got into a vicious circle of charges upon charges about 5 years ago which ended up with santander taking over £200 per month for 3 or 4 months before then defaulting my account. In the end the default amount was made up purely of charges upon charges. Santander refunded ALL of the charges for that period and in addition removed the default. This to me was more important than the money.

 

My advice.... Write direct to the CEO, this seemed to work in this instance and everything was sorted in a reasonable length of time without any half hearted offers having to be rejected.

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Thank you, yes it is always good to hear of a successful outcome.

 

:)


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Uploading documents to CAG ** Instructions **

 

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BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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can you outline the process and if it was BCOBS related please

 

what letter did you use?

 

VERY interesting to see they actioned 5 yrs old charges

 

dx

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I used the good old fashioned method of drafting my own letter rather than templates and highlighted how many of the charges were blatantly unfair. I also highlighted my own personal financial issue at the time which had caused the initial bank charge.

In essence, where I was charged £35 for going overdrawn by less than £1 could not be argued. Other charges such as an "authoriseing a payment when you go overdrawn" fee by using an Electron card were also highlighted as being unfair. The Electron card was always sold as a card that would not let you go overdrawn. Many of the charges could be argued and as such the letter was quite long and itemised lots of detail. This was sent by email directly to Ana Botin (CEO) by email. I also highlighted that the default amount was purely fees and in fact the fees for the 3 months prior to the account defaulting were in fact 3 x the default amount.

 

In all honesty I didn't expect to get the default removed and would have been happy with some of the fees back and my credit file showing as satisfied. They responded with lots of apologies and phone calls rather than letters and refunded all fees and rectified the credit file.

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thats a tremendous reselt

 

along the lines of the BCOBS benefit one

 

satans bank might be now changing their spots to santa's bank soon

 

they want to do something about GE Money now & their totally outlandish remit of

refusing almost ALL PPI claims, stating 'it was the broker!!'

 

section 56 over-rides this assumption.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Well done Pussycat,

 

i am alsobeing charged by Santander, and am going to take the same action as you. Please could you tell me the address and name of the CEO, and did you use a template letter?

 

Thank you.

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Section 56 over-rides this assumption.

 

Just seen this, section 56 of what please? BCOBS or CCA or A.N.Other please?

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CCA

 

its online just use a search engine

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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CCA

 

its online just use a search engine

 

dx

 

Sorry but I looked online and its just e mail address of their complaints dept. Cant see Ana Botin's e mail address anywhere! Doh.

Can you help with the e mail address?

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Sorry but I looked online and its just e mail address of their complaints dept. Cant see Ana Botin's e mail address anywhere! Doh.

Can you help with the e mail address?

Hello and welcome to CAG. I think dx was responding to my post #7. Hopefully someone will be along shortly to assist you. Good Luck t

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Hello,

I wrote a long email to Santander detailing their charges for since 2009. I also detailed my financial circumstances (dire), and the fact that I believe I should have these charges refunded. I fulfill most of the Ombudsman's criteria for this. they have responded by stating they do not think I am in hardship, as they have looked at my account for this period, and I have spent on clothes and such, and do not have things like payday loans on it!This is the only account I have, I use it for everything. I need to clothe my children and purchase only when absolutely necessary. They have instead said they are willing to give me loan, change my bank account to a basic one and take away my debit card. I do not know what to do. I do think their charges were/are unfair and excessive. Do I accept their offer fight on?

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an old post but for those who need ceo email here it is

 

ceo@santander.co.uk

 

 

Address:

 

2 Triton Square, Regent's Place, London, NW1 3AN

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Sorry but I looked online and its just e mail address of their complaints dept. Cant see Ana Botin's e mail address anywhere! Doh.

Can you help with the e mail address?

 

see post with email and address

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closed

 

anyone with issues

 

start a new thread

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2083 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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