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    • Holding my hands up I was a naughty boy driving a transit van along the A55 in Wales in February and exceeded 60mph in what I thought was a 70mph zone. ( all to do with the weight of the van). When I realised the error of my way I took the fine and sent my licence off by Royal Mail. Yesterday I received a letter from North Wales Police saying that I was now being prosecuted in court for failing to surrender my licence. I paid the fine as soon as I received the £100 penalty letter and carefully read the form ( which is confusing to say the least) and immediately took a walk to the post box and sent my licence off. In hindsight I’m a fool for believing that the licence would get to the HMCS in Loughborough without the need to track and trace the letter. I still believe that Royal Mail hasn’t lost the letter with my licence in it as I have never had any other letter go astray. I believe the licence is with HMCS it’s just not yet been processed probably due to Covid backlog. Seems Covid is to blame for everything these days. How can I avoid this going to court? I’ve never had a speeding ticket in over thirty years of driving or any other ticket hence why I was keen to comply with the ticket and send my licence off as instructed.
    • Rejection letter to be sent to the FOS   I am declining your decision of 13th April for the following reasons:   Much of your decision is predicated on your view that Aviva had a “process” in place and that they followed this process and as a result their decision to enter an insurance contract in 2015 despite their misgivings was fair.   1.      Nowhere in your decision have you explained what the process was and whether in fact the process was fair. Clearly your view is that with regards to that process, all that was needed was for Aviva apparently to follow this process and any outcome would be fair and regardless of the fairness of the process.   2.      On 2 June 2021 I received a telephone call from the Aviva complaint team. During the conversation, they informed me that in fact that in 2015 the call handler had been wrong and had not followed the correct process. The Aviva caller told me that it was not part of the process for the call handler in 2015 to refer her suspicions to her manager. Clearly, if the call handler in 2015 had adhered to the correct process and allowed herself to be guided by her own suspicions then Aviva would not have agreed to provide the insurance cover and they would not have become the victim of fraud. In fact what we find is that the correct process and the very serious suspicions of the call handler were overridden by a manager. Evidntly either Aviva has misled you as to the nature of the process or else they have not disclosed their process to you. It may even be that Aviva does not have a written “process”. They only have “a way of doing things”. If it is correct that you have not seen the Aviva process but have simply taken their word for it, then it is clear that your investigation is flawed and your decision has fallen short by any reasonable standards. If on the other hand Aviva has misled you as to the nature of the process, then I think you have a very serious issue with Aviva. I believe that you have never once seen the “process” upon which you are purporting to rely upon in your decision. You may be interested to know that the man who defrauded Aviva also attempted to use my identity to defraud a number of loan companies. I’m pleased to say that all of those companies exercised sufficient diligence that they did not become victims of the fraud. Only Aviva failed to exercise proper care and allowed themselves to be defrauded. You may also be interested to know that the police have interviewed me and they have interviewed my brother and they are preparing to charge my brother in respect of his fraudulent activity. I am under no suspicion whatsoever. The police have informed me that they will be speaking with Aviva facing fairly soon.     There are many other reasons why I am refusing to accept your decision. All the other reasons turn on the fairness of your decision but the reasons above go to the heart of your own investigative process and the quality of your decision. It is not insignificant that I have submitted a Freedom of Information Act request and also a Data Protection Subject Access Request to you and so far you have failed to respond within statutory deadlines. I have also sent Aviva a Subject Access Request and they have extended the deadline for compliance by a full two months for spurious reasons which I do not believe. I have also asked Aviva for sight of their policies and procedures in respect of the rules that they apply to their customers for the setting up of new business.  Needless to say I have received no response. The Aviva website makes a show of being aware of the dangers of domestic financial abuse and they trumpet their association with the organisation Surviving Economic Abuse and they say that their staff are all trained in spotting the signs. I have asked to see their abuse policy and I have received no response. None of this is surprising.    It is clear that Aviva have acted carelessly. They were suspicious but preferred to get the new business.  Aviva are complicit victims of the fraud. It is Aviva which is the victim of fraud but they prefer to try and avoid their responsibility and pass the buck onto me. I’m pointing out that it is Aviva which is the victim of fraud because I can state categorically now that I have no intention of paying any of the money which Aviva is demanding of me. I notice that Aviva prefers to harass me for an alleged debt rather than simply bring a claim in the County Court where an impartial judge would look at all the evidence including information which so far Aviva has declined to disclose.   This letter is intended to decline to accept your decision but also is intended to be my formal complaint which I wish to be escalated to the Independent Assessor. Please confirm receipt of this complaint, that it is being forwarded and  provide me with any policies and guidelines to the Independent Assessor route and also let me know the timescales involved. I will want to provide further information to the Independent Assessor.   Yours faithfully
    • The G7 hasn't gone to plan, has it?   Rather than showing the UK off as a potential global leader, Johnson has probably started a trade war with the EU and is being told that other nations don't trust him.
    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
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I am wanting to know if anyone has any way to speak to BT and actually get listened to. We used to have several lines with BT Business, two mobiles and two fixed lines. We cancelled these at the end of the contract as we had closed the business and both gone back into employment.

 

BT completely ignored us when we cancelled these lines, the fixed lines were based at our home, and we switched the lines to Sky after drawing a blank with BT. However, BT continued to bill us, even threatening to cut off our one residential line well after we were established paying line rental to Sky. I have called them numerous times, written to their 'Service' centre in Durham, without the courtesy of a reply and even copied in OFGEM (who don't consider individual complaints). This has been going on most of this year.

 

The same thing happened with the Fixed lines and the BT Business mobiles, (although I do owe some, not much, money on these I can't get an accurate payment because they did not or will not finish the contract when we asked)

 

Last week I received a letter from a debt collector and tonight I came into an answerphone message from another one (who was pleasant enough but still thought I would be stupid enough to pay an incorrect bill).

 

I am out of ideas as to what to do, work long hours and honestly don't want to waste all my spare time trying to sort them out. I know I need to resolve this and that they just can't be bothered. Any ideas let me know. Thanks

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Received another bill from BT today, together with payment charges, these are accounts I switched to Sky in February. I am calling BT as I post, I've just been asked to explain the whole thing again and then put on hold, I've been holding for about 5 minutes listening to some pleasant classical music, which I guess I am paying for as I am paying for the 0845 call. I told the 'adviser' that I did n't want to wait for long, the best he can do is ask a supervisor to call back on Monday, when I'll be working, so I will have to take time out while at work. Its a bit annoying, I don't mind Indian call centres but I do think that there comes a time when somebody with the authority to act needs to get things done. Everybody makes mistakes, I can handle that. Not dealing with the consequences of those complaints is something else.

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  • 2 weeks later...

The supervisor did not call back as promised, I left my phone on all day at work, which I am not really meant to do so I am sure he did not call. What I did get was a call from a debt collector just before 9.00pm one evening, these peoplehave called me before (see above) and I referred them back to BT. I asked them two questions, firstly did BT send my details to more than one debt collector, they said no definitely not and seemed a bit put out that I had a letter from a firm called Advantis about the same 'debt., secondly I asked them what the BT response had been. Laughably their notes suggested that I had said I was going to call a different BT number, although they didn't know why. Called BT again, they told me they would raise the bill as an issue, I asked if it could be referred to somebody senior enough to deal with it properly but they said the best they could do was raise it as an issue.

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Have you made a formal complaint to their Head/Registered office - send by Recorded or Special Delivery and address it for the attention of their CEO.

 

You might also want to send a Subject Access Request in order to obtain all records/data they have in respect of your dealings with BT. You should specifically request transcripts of all calls made to them over the period you cancelled your contracts. (if you cancelled by telephone).

 

If you cancelled in writing - did you send using a tracked mailing service ?

 

Link to SAR template. You will need to enclose £10.00 with the request and they have 40 calendar days to respond.

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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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