Jump to content

  • Tweets

  • Posts

    • Following your letters of 7 and 9 May 2021, I’m now in a position to respond in full.   I’m sorry to learn of your concerns about being asked for verification in order for Aviva to fulfil your recent Data Subject Access Request (DSAR).   Aviva has a requirement to verify all requests to ensure that we only disclose personal data to the person who is entitled to receive it. Unfortunately, on this occasion we requested ID where it was not required as you had already supplied the information needed. I agree this shouldn’t have happened and I’m sorry for the concern and inconvenience caused. Please be assured feedback has been given to the relevant representative to ensure more care is taken in future when vetting requests.   Please be assured your DSAR will be with you by the 26 May 2021 as per the legal requirement to fulfil your request by this date.   For clarity, the complaint I am responding to is in relation to your Data Subject Access Request (DSAR) which is logged under reference CER/XXX. This is separate from your complaint about the motor insurance policy, which I can see the Financial Ombudsman Service (FOS) have provided their final response to and I’m therefore unable to comment on the points you’ve raised in respect of this matter.   I hope you are satisfied with my response, however if you are unhappy, you can refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email.   If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.   A link to their leaflet is as follows: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm   Or, alternatively, they can be contacted at: The Financial Ombudsman Service Exchange Tower London E14 9SR   They can also be contacted by email at [email protected], by telephone on 0800 023 4567, or by logging on to their website at www.financial-ombudsman.org.uk   As your complaint is in relation to a data concern, you may also wish to contact the Information Commissioner’s Office (ICO). You can telephone them on 0303 123113 or simply log onto their website at https://ico.org.uk/make-a-complaint/   Please feel free to contact me if you would like to discuss this matter further with me.
    • March 2020 !   A bit late, forget about it move on....
    • Its a bit messy...there was alot to cover. Anyway, thats all I have.     1620939027446.pdf
    • The lock up is owned by my local Council. I've rented it for the past 10 years or so. It has corrugated asbestos roofing panels which I've recently learned aren't dangerous unless disturbed. Falling through them obviously made them dangerous. I already tried to seek help through my own insurance at the time of the incident but they weren't interested.    The gardener must have had insurance as Axa accepted liability with the council to have the roof repaired but don't accept liability with me. I'm guessing they wouldn't mess with the councils legal team but see me as someone they can brush off. 
    • Can you confirm the hours as you have shown 7 days?
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 33 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

Eviction set for 21 November / Eviction Stopped

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2730 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

The company is Rooftop, had to remortgage bck in 2004 due relationship breakdown and cause i had bad credit i was told that they were they only company that would touch me. They are not the nicest of people to deal with and are not sympathetic with your situations.x

Link to post
Share on other sites
  • Replies 64
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Lolly - well done :) great result.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums



This site is run solely on donations


My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Well done, Lolly.


Polly, please let us know how you get on with yours, this afternoon :)

Have we helped you ...?         Please Donate button to the Consumer Action Group


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





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.



Link to post
Share on other sites
Hi Lolly, well done, its easy money for these mortgage companies to take us to court... I think if we win then we shouldn't have to pay the solicitors fees that would make them think twice, as all that will happen now is your have another £500 put on the back of your mortgage..


Not if I can help it! I am going to apply to the ombudsman get all default charges removed.

Link to post
Share on other sites

This is great news, well done to both of you.

Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


Remember: The Ark was built by amateurs-The Titanic by professionals.


Please click my scales if you find my advice helpful !


If your claim is successful, please donate 5% so that it can continue to help others.


Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





Link to post
Share on other sites
Phew thank the lord thats over with. Just got bck home and i won, but it wasnt without a fight. The person who was representing rooftop was a complete k*@b but its over with now.x


Excellent news - well done:) Can you give a few more details about the hearing please - it will help others in the same position

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums



This site is run solely on donations


My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
Hi Lolly - well done :) great result.


Thank you for your help! The bailiff even phoned me and wanted to see how I got on. She was so lovely. The judge I think had already made the decision before I got in there x

Link to post
Share on other sites
Hello all - I won! Was in there all of 5 mins. The Judge told the mortgage rep off and said it was disgusting to put me through this as I just started new job! We talked about the mortgage payment being due tomorrow and I said I cant pay until 25 th when I get paid. Judge said that he cant order to change payment date but I have to pay £200 tomorrow. My Mum is going to lend me the money.


Thank you all for your wonder advice and support. I am at work now so better crack on.


Superb news. Congratulations :)

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...