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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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Aviva ignored signs of financial abuse by sibling and supported by FOS


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@BankFodder yes I will when I get chance over next few days as we have our Eid celebrations  I havent received any acknowledgement from the CEO of the email ive sent to them too 

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@BankFodder yes I did I sent it separate I spike to the officer yesterday too she said she was going to speak to the economic commissioner and shes going through all the evidence and once her sergeant

Given delays in responding to the SAR,  maybe suggest to the FOS that they need to set a new date to reject the decision.  Perhaps they should add 3 weeks.

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I think you need to do it more quickly than that. I'm not sure that it might not disappear

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I'm not asking you to post them here. I'm simply recommending that you take screenshots so that you have got full copies of the relevant webpages and you store them away

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Aah okie sure will do x the letter from ceo was regarding my SRA request they have confirmed I will have information by 26th May but she made no comment to the content of the letter we sent 

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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.

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OK.  so Aviva have told you that they will respond to your SAR by 26 May which gives you about four weeks (up to 22 June - is that right?) to review what they tell you and to tell the FOS that you reject their final decision about the insurance policy.

 

Make sure you don't miss the extended FOS deadline.

 

(bearing in mind their response above to your complaint about how they handled your SAR, I personally see no point in carrying that complaint further.)

 

 

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@BankFodderno I had no intention of carrying the SAR complaint forwards to be honest but I am tempted to ask her to refer the contents of that letter to Amanda Blanc ? They offered me £100 as a gesture of goodwill for the wrong requirement of iD verification,  I've also printed off documents regarding their abuse policies and how they're staff are trained to spot the signs 

Yes I have till 22nd June to reject the decision 

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When is the return date for the FOS FOIA request?

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Is that 20 days?

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@BankFodder the email response is 6th May so I make it 21days 

Also I received a response from Mary Temple as you may see above ive not replied but im tempted to ask her to forward my concerns to Amands Blanc what do you think ?

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Is that the one where they offered you £100?

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What date did you actually send the FOS the FOIA request?

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I would certainly accept the £100. However I would make it clear that you are accepting it simply as a gesture of goodwill to them and not in settlement of anything and if they don't accept this then they should let you know and they should not pay the money.

I would then in the same letter gone to ask them what has happened about your letter and has it been forwarded to Amanda Blanc all the other person they referred to? Asked them specifically when can you expect a reply which addresses the points made in your letter

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Don't you keep a note of when you posted these things?

The time limit for responding to an FOIA request is 20 days. Did they acknowledge receipt?

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Well if we say that they had three days to receive the letter, then they are exceeding the statutory time limit of 20 days.

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@BankFodder received a response from Mary Temple from aviva 

 

Thank you for your email below.

 

Your cheque for £100 has been authorised today and I trust you’ll receive this shortly.

 

In respect of your letter addressed to Amanda Blanc, as explained in our letter of 7 May 2021 I responded on behalf of Amanda.

 

Having reviewed the complaint records in relation to your motor insurance policy, I can see the Financial Ombudsman service have provided their final response and they asked you to reply by 11 May to confirm if you were in agreement or not. This therefore exhausts our complaint process and there is nothing further we can add.

 

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