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    • claim letter sent as an email with signed PDF attached. Now waiting for a response....
    • Look at some respected Viral epidemiologists working on this new virus on Twitter versus the crazy unverified reports of people 'dropping like flies'. Plenty of conspiracy theories from people trying to sell books too.   It's widely thought that some of the increase in cases is due to not having tests available at the beginning, and that there are large numbers of people who had mild symptoms, that never got detected.  Therefore it's likely that the mortality is much lower than thought. Also think about how many people are lining up in hospitals who might only have a cold but are terrified from all the panic.   However all are urging caution, that much more will be revealed over the coming weeks as the infections accelerate.   It is terrifying to see a city on lockdown, but also worth understanding even a 0.5% fatality rate in China is 10's of millions of people. That's why they are acting like it's a Hollywood disaster movie.    
    • Hello, can anyone help please?   As part of new City regulators affordability rules I'm about to have my barclaycard (£6000 balance) taken away from me as I'm only meeting the monthly payments and never clearing down the balance. Barclaycard wrote to me and asked for £750 a month which is way out of reach on my income.    Having been around this site for many years I'm very reluctant to speak to them, does anyone have any advice on how I should proceed here? This card is around 5yrs old and I'm committed to paying off the debt. Stopping the interest and agreeing a payment plan would suit me but will they go for it? Should I let it default and just deal with the debt agency?    Any advice would be most welcome.   many thanks
    • Thanks for the revision.   The other odd thing is that the recorded delivery letter I sent to the alleged recipient has never been signed for -  the tracking simply states 'we've got your item' although it was sent 1st class on Wed 22nd - it's now the 28th.  So I can only conclude that it was refused 
    • Thank you for all your help and advice, I do appreciate it.   I think really I just need to understand why, after going to all the effort of obtaining a warrant, Spark or Marston's wouldn't do a quick check on the electoral register to see who lives here.  If not there seems the potential for them to be breaking into homes without the correct information all the time.  If there were a debt from another previous tenant that I am unaware of then using that logic they could obtain another warrant and enter again could they not?   This has left me very upset and shaken and unfortunately echoes the same feelings as being burgled a few years ago.  I really hate the thought of someone I don't know having been in my home when I'm not here.   I'll just follow the complaint procedures with the energy companies and see where I get to and try not to shout at Spark when I open the accounts to clear the balance.  The balance I am talking about clearing is mine as Spark tell me they've been supplying the property since November, not either of my preferred suppliers so I have no choice but to give them money.  I really don't feel like giving them anything under the circumstances but I'm certainly not going to do anything to make the situation worse!    
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craigten

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Hi all,

I recently sent a friend a DSAR template letter from this forum as he is trying to get data from NatWest from over 30 years ago.

 

He replied tonight to say that he is editing it so he can only get the data he wants (proof of PPI).

 

I advised him against this as I remember someone posting on here that this might give the bank a reason to not send the data.....

but I can't remember what that was..

 

...can someone help me with this please so I can then explain this to him?

 

Thank you, all.

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well its not so much that as giving the game away!!

you should never put PPI in an sar..quickest way to make the data find a shredder IMHO.

 

just put you want all data for your own financial records .


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Brilliant!!

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Is an SAR the best way to go for PPI?  I keep on wanting to investigate it before the deadline but keep on putting it off*.  Not that I think we have any PPI issues as we were both in public sector sickpay schemes and I'm pretty certain we wouldn't have agreed to pay for anything we didn't need - if it wasn't hidden...

 

* interesting fact for the day - I and my fellow countrymen are so lazy that Manx gaelic even has a phrase equating to "oh, leave it 'til tomorrow!".  It's Traa di Looar.  (Spelling almost certainly wrong).

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yep Scotland has the same saying....

well most companies have a link on their websites now regarding PPI

which will probably alert you by their eply to that enq if you did have PPI.

 

trouble is, if you do and you don't have the data, you'll never know if any reclaim offered is correct

which is why p'haps an sar IS the way to go..atleast its free now.

 

I recently read a story somewhere whereby the OC said yes you had ppi..heres about £200 which we owe you...

turned out the eventual claim was actually +£5k..and they coughed!!


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