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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) 
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    • 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.
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      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
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      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.
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      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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craigten

Woolwich Mortgage PPI Insurance -Where to start? Added to mortgage?

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Hello.

A friend of mine has asked me to look in to the insurance policies that she has just realised were sold to her when she took her mortgage out back in 1998.

 

From looking at the paperwork I can see that there were various forms of insurance but what strikes me straight away is the phrase 'Premiums are recovered from your monthly mortgage repayments. Separate payment is not, therefore required. Please amend your payment when advised'.

 

Does this mean that the insurance was added to the mortgage, and by doing that, my friend was charged interest on both?

 

Apologies for the naive question.

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Should be a separate item on mortgage statement, so no interest is charged on Insurance premium.

 

Going back a very long time ago to probably the early/mid 90's, some mortgage companies were adding insurance premiums to mortgage and charging interest. The OFT ruled at the time that this should not be happening and mortgage providers affected stopped this practice, with many stopping adding any Insurances to mortgage statements. Those that could prevent interest being added to Insurance premiums, continued to include Insurance within the statements, if the mortgage holders wanted the Insurance included.

 

That is the history on this issue. If mortgage interest was added to Insurance premiums and you can prove it with statements, then go through the normal complaints process. Should not be affected by limitations act, if interest was added in error, then a refund should be calculated.


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Thank you for that. I will get my friend to check her statements.

Please can I ask how she can go about querying that the insurance was mis-sold? Is it purely a letter to the bank in question?

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Yes it would be, but to avoid a simple refusal, your friend should state why the Insurance was not suitable to meet their requirements

 

It is a bit different to PPI, because mortgage insurance to cover payments in the event of say redundancy, might have been a condition of the mortgage at the time. With PPI it was added on very easily, but with mortgage repayment insurance, I suspect that your friend will have had to sign up to it and it was seen as covering a risk that needed covering.


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That is just Home Insurance. Your friend made an application to get this, as it is not something automatically arranged.


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Oh okay. But it does say that it’ll be recovered from the mortgage repayments?

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Yep that is the way Woolwich did it at the time.

 

My Sister had a Woolwich mortgage with Home Insurance premiums collected in that way. Not the most competitive premiums, but a very good claims service. Great when they covered a large water damage claim, when the house could not be lived in for over 6 months and needed a lot of work.

 

If you are fishing trying to recover any money from Banks, suggest sending a Data Protection Subject Access Request to see what you can find out. You won't recover anything regarding Home Insurance or mortgage protection cover.


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Thank you for that. However, am I correct in thinking that they did effectively charge interest on that policy (being as it was combined with the mortgage repayments) and shouldn’t have?

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No not mortgage interest or any interest. At that time, most Insurers did not charge interest for monthly instalments.


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Hi again.

I see that the Woolwich was taken over by Barclays. I will send them a SAR but do you think they will still have the records of The Woolwich?

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Hi Craig,

Yes they should have the data you need but please start a new thread to discuss your case. Probs best in the Barclays Forum as it'll get seen more there than in the Woolwich !

😎


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