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    • its not a penalty charge. hope you've not used that word or the word FINE in any comms else you'll be viewed as someone that hasn't a clue what they are talking about...
    • An update 2 weeks further-on for the benefit of anyone coming along later in similar circumstances or currently following for a directly related reason.   No response to date from the Hospital, either to original correspondence or subsequent chase.   No response yet from PALS, written-to with all details/copies just a week ago after allowing a period for the Hospital to respond to a chase letter and step-up and have the penalty charge cancelled.   All corres. Special Delivery.   Parking charge reminder received from CPP dated 11 days after original (no contact intended with CPP, less than zero intention of making payment this side of eternity.)   FOI request sent Re. car parking equipment reported-faults - request received and acknowledged.   MP contacted, details/copies provided, moving toward meeting Re their involvement.   To contact press, local radio etc. accordingly.   Watch this space ...            
    • Hi all, apologies for the late degree of replies, I was using a mobile earlier and could not navigate the page very well. I have been trying to reply to each individual reply but cannot see where I can do that and I used "quote" which I am informed is incorrect (apologies if this has somewhat cocked things up)   Anyway I have established a little more info , as per Andy's enquiry, James ( my friend and the client in this instance) has confirmed it was Debt Free Direct who had set up the original IVA but they went into administration and were sold onto a company called Apperture, This is the company that Equity in Finance are supposedly holding any PPI recoveries for.   It transpires that Equity In Finance were "promoted" by Debt Free Direct as being able to recover PPI costs for James on the premise that HE would be receiving any recoveries less their fee for handling the claims, there was absolutely NO transparency that they would be with-holding all funds received for any and ALL ppi claims whether involved or not.   James is calling to see me tomorrow and we are going to check his credit file and also send off SAR's to ALL parties involved in the debacle. This will include, Apperture, Equity in Finance, The IP who handled the IVA and each of the banks/ loan companies & credit card companies he has personally claimed PPI from and also the ones that Equity in Finance have handled directly.   As I say there is definitely a rabbit off somewhere - Equity in Finance have taken / been sent every penny of the PPI recoveries including the ones that they have had no involvement in and the most recent being just in the last 4 weeks, despite the IVA being advised as closed in 2013 !!   even on the initial debt of £17000 plus fees ( currently shown on debt free direct website @ circa £3500 - yes they are apparently trading again !! ) the payments made under the IVA and the recoveries under PPI  have totalled been more than £40k so James is owed a hell of a lot of money which I can see no way that these companies are legally with-holding from him.   Lets see what the SARS bring in and then we will have a more defined basis of EXACTLY what we are looking at    Thanks guys for the initial advices - I will keep you all up to date on developments but any advices in the interim would be greatly accepted    Just a few links for reference :-  https://www.credit-connect.co.uk/commercial-news/corporate-insolvency/debt-free-direct-sold-aperture/   Debt free directs current ?? website https://www.debtfreedirect.co.uk/   Debt free direct confirmation of average fees and how paid   https://www.debtfreedirect.co.uk/fees
    • I have known some just take their commision direct from the account......as long as they are only invoicing you thats fine...ignore their invoices.
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Nationwide unaccepted insurance contract

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If I was in your shoes I'd let this run the full course with the FOS.

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Hello again,


I have followed your advice to requested all the data by sending them SAR letter. However after 40 days my recorded mail with a postal order £10.00 enclosed was delivered to the insurers, they replied to me asking me to contact its underwriter directly for those data. I received the letter on 20/01/2017 while it was dated 07/01/2017.


ICO advised me yesterday to contact the data protection officer of the insurers directly, requesting them to provide any data they held on me.


In view of the above, any advice, please?


I don't quite understand.


Name your Insurance provider and name the underwriters.

We could do with some help from you.



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If I was in your shoes I'd let this run the full course with the FOS.


Thanks for your feedback.


FOS has already got back to me, suggesting a disappointing decision on phone.


Although the decision sounds in my favour but it would not help me to recover the insurance interest of the policy I have paid for so many years.


I hardly see fairness in this decision which FOS say was its core value of its work.


Currently the landlord is taking me to the court for service charges dispute, while I cannot afford to hire a solicitor due to being deprived of the lease dispute cover.


FOS people sound very friendly; however they don't seem to have guts to do things right. I assume that is because the businesses pay FOS's salary.


hello Mr Uncle.


The case is still ongoing, Sorry I am not able to publish their names this moment.


I am sure the insurance provider has played the same tricks to millions of policy holders in UK. I strongly believe that the insurance provider will face missold policy claims by those policy holders.

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I can't decipher that, can you elaborate perhaps?

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I have finally received the 'Final Decision' by FOS ombudsman after more than one year time.


The case was delayed severely partially because FOS had to replace the ombudsman for a strange reason


- Ombudsman L was investing my case for about two months and went for holiday before making his final decision upon receiving the last document he requested from the insurer.


Then I was advised that Ombudsman L had to be replaced by Ombudsman M,

giving the reason that Ombudsman L had been involved in my case for too long and too deep.


Another reason is that FOS had to spend a few months to wait to receive a policy document:

as the insurer claimed to have sent to me in May 2013 to advise me of the removal of lease dispute cover,

therefore from Jan 2017 to August 2017,

FOS and I were made to wait to receive a copy of this policy document.


The fact was that the insurer tried to for three times send in documents,

none of which served as an official policy document sent to a client.



the insurer changed its claim,

saying it advised me of changing my policy in its letter which was sent to me in August 2013 to reject my claim made during that time.



FOS ignored the insurer's original claim and bought in the second one,

unfairly rejected my complaint based on this letter,

which I had never received.


And, I pointed out the letter provided by the insurer bore no authentication,

not in letter headed paper and having no signatures.

Finally, I realise that I had no chance to win due to FOS's behaviors.


In my case, FOS went totally against its standards, being fair and quick.


Ombudsman L decided ( in a provisional decision):

My policy includes Lease dispute cover till Oct 2015,

the insurer to re-consider my claim made in 2013,

and the Insure to refund my premium paid till today.


Ombudsman M decided ( in the final decision):

my policy includes lease dispute cover till August 2013 and the insure to provide £250 compensation. ( in this one, most of my insurance benefits would not be recovered)

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I have had my home insurance with Nationwide since 2007,

including legal expense assistance insurance covering lease disputes.


I made two legal expense assistance claims in 2013 and 2017.

Nationwide rejected both of them as Nationwide claimed to have sent me documents in May 2009 advising me that changes had been made as to remove the lease disputes cover from my policy.


As I made a complaint to FOS in 2016,

Nationwide provided FOS with copies of all those documents to prove Nationwide had mailed me them from 2009 to 2014.


Some of those documents were Nationwide leaflets and did evidence changes to Nationwide Home Insurance Policy.

I have never received any of them as I also sent FOS all the documents I received from Nationwide.

I can swear for my life that I have never even seen them before.


Sadly, FOS selected to take Nationwide's side and rejected my complaint, accepting that my policy was changed.

I don't know how many people out there who have purchased Nationwide home insurance.

Have any of you come across the similar situation?


I was ended up unable to hire any legal service to defend myself when my landlord took me to the court for service charges this year.

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merged with your existing thread that you seem to resurrect every November of the last few years.



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



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

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I don't quite understand.


Name your Insurance provider and name the underwriters.

purchased the home insurance policy from Nationwide. The underwriter is UK Insurance and was Churchill before 2012. The insurer for the legal expense assitance insurance is DAS.


Kindly provide your further comments, greatly appreciated

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