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    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
    • I would complain to the police - even if I thought it would go nowhere.  I can't see that you have anything to lose.   I can't tell you the grounds of your complaint because I don't know the details of everything that has happened (you know better than I do)  and because I've found much of the story too difficult to follow.     But - based on everything you have told us - it seems to me that your brother has clearly committed fraud by obtaining the benefit of an insurance policy by falsely misrepresenting that he was opening the policy on your behalf and also by falsely misrepresenting himself - or a third party - as being your husband.  If your brother could not have taken out that policy without making those misrepresentations, then he has committed fraud.  It doesn't matter whether the victim was Aviva or you  and it doesn't matter if the victim realises they've been defrauded or not - the police should investigate it properly.  In this case you are the ultimate victim of the fraud because Aviva are saying that you owe them for the premiums on the policy your brother fraudulently took out, so whether Aviva consider they were the victims of fraud or not is irrelevant - they don't care because you end up as the fall guy.  Point out that this may have ended in a civil dispute over a debt between you and Aviva, but that that debt directly arises as a result of your brother's fraud in claiming to be acting on your behalf and by impersonating your brother.   One of the reasons the police seem to have dropped this case (and this needs to be one of your main grounds of complaint I think) is that they have accepted without question your brother's statement that your husband was somehow involved or in some way agreed to your brother taking this policy out in your name, and the police have simply and uncritically accepted your brother's word on that without ever speaking to your husband, who would vigourously deny it.    (I can't make any better suggestion than that because, to be honest, I don't follow what has happened.  If you never authorised your brother to open this insurance policy at all then I don't understand why the police would place any importance at all on your husband being present at a meeting with your brother.  What did your husband's presence have to do with the insurance policy?  Even if he had been at such meeting (which you say he denies) then how could he authorise anything on your behalf?  None of it makes any sense to me and I can't see why the police would think it did.)   Challenge the police to explain to you why they believe there is insufficient evidence to pass this on to the CPS   I would follow the published complaints procedure of the police force in question and I would also send a copy to your local Police and Crime Commissioner.   I think the main problem here is that (despite what the nice woman PC may have suggested to you) the police have never considered you to be the victim.  You need to demonstrate to them via your complaint that you are the victim here.   One other question: is your husband and are your family supporting you through this, or are you going it alone?
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BT TV price increase, no longer a full right to cancel services?


Andy111
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Surprised this has not been directly addressed any were that I can see (except merely mentioned in an article elsewhere) but is BT (and assumingly other providers now) trying to circumnavigate what has previously been a right to walk away from mid contract services when they rise prices?.  

 

Because I had the email a couple of days ago telling me about a £4 price rise for the TV part of our package (TV, broadband & phone line).  Great I thought, the right to walk away from contract penalty free or negotiate a better deal.  The email even mentions about being able to leave penalty free and in the past, as its a package this has meant being able to walk away from the entire package penalty free.  But now I've seen mentioned that as BT have only increased the TV service this time (by £4per month) instead of everything that people can only cancel the TV element and are still liable for the other elements for the contract duration despite everything being a package in a single contract!.

 

If this is true surely this is wrong and a blatant attempt to circumnavigate the right to leave mid contract clause by putting the entire rise onto a single element?.  

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Do you have 3 separate contracts within the bundle or just one ......I doubt it.....the one contract covers all the services. 

 

https://www.thisismoney.co.uk/money/bills/article-6007065/How-leave-broadband-TV-phone-mobile-provider-WITHOUT-paying-penalty.html

 

Andy

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That's what I thought, but the wording of the email and from what's been mentioned in an article in an email from money saving expert, is suggesting because BT is only increasing the TV element of the 3 element package (which is within a single contract) this time that BT can still keep customers tied to the other 2 elements (broadband & phone line) as the prices for those have not been touched.  Meaning they would let's customers cancel the TV part penalty free but not the rest.

 

Surely this can be right, because said a single contract for all 3.

 

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Your monthly bill shows one amount as total for the months services...you cant single out one element of the bundle.The total package increases and therefore the terms and conditions of the total package has changed mid contract ...this is BT surely you dont expect them to get anything correct.:biggrin:

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1 hour ago, Andyorch said:

Your monthly bill shows one amount as total for the months services...you cant single out one element of the bundle.The total package increases and therefore the terms and conditions of the total package has changed mid contract ...this is BT surely you dont expect them to get anything correct.:biggrin:

Nope, they are all as bad as each other trying to give false information & impressions when they want to rise prices.  Though the small print of the email states "separate contracts apply".  Think I aught to ask BT for those 3 separate contracts & bills then lol.

 

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Yes ask them to explain and provide details of the three separate contracts...and if there are three separate contracts...why do they accept one payment to cover the three? 

 

Also if you were to default on payment...which contract would you be in default of and which service would they terminate ?

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Hmm, BT look to to indicating the broadband and phone line is the main contracted service and the TV package is more an add-on!.  Well that's the feeling I'm getting from there response, and thus altering the price of the add-on does not affect the main core contract.  Though they still insist that each service is covered by an individual agreement.  

 

Even if this was the case, begs the question why are providers only trying this trick now when previously its been a 100% service right to walk penalty free, and what happens to the remaining elements (broadband & phone line) that are priced at a discounted fee due to being part of a package?.  Hence why surely BT's explanation is contradictive as remove the add-on that causes a single multi service package discount and the remainder will likely cause a price rise due to lack of multi service?. 

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I can only advise from my experience with Virgin Media Bundles..if you try to take away an element of the bundle the total package increases because you have reduced the supposedly discounted package.Still as far as VM are concerned its one contract and one price increase for the package.

 

I suppose its how you entered the contract...did you sign for a bundle and if so what did that bundle contain or did you add the TV later.....if so then its not really a bundle deal.

It all really needs reviewing by the  Ombudsman as I also detect unfair trading and confusing billing.

 

https://www.ombudsman-services.org/sectors/communications

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1 hour ago, Andyorch said:

I can only advise from my experience with Virgin Media Bundles..if you try to take away an element of the bundle the total package increases because you have reduced the supposedly discounted package.Still as far as VM are concerned its one contract and one price increase for the package.

 

I suppose its how you entered the contract...did you sign for a bundle and if so what did that bundle contain or did you add the TV later.....if so then its not really a bundle deal.

It all really needs reviewing by the  Ombudsman as I also detect unfair trading and confusing billing.

 

https://www.ombudsman-services.org/sectors/communications

 

As I recall at the time of sign up (90% certain) it was a single multi service offer (which also included the pre paid credit card) covered by a single price & single contract.  At no point did we ever sign for just broadband and phone line and then add the TV as an extra service during sign up.  6 months in (June 2018) the usual price rise notification and confirmation we could quit our entire contract penalty free due to said price rise period.  We called, BT reduced the cost by £0.50 in return for resetting the minimum term, all content and conditions remained the same.

 

This is about principle & rights than anything & not being told I signed up for or each element is covered by individual contracts like seems to be the blanket BT response when asked about and challenged over cancellation rights than allowing the total cancellation as has always been the norm with price rises.

 

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