Aviva fraudulently processed my data without authorisation o

[BankFodder]

So are you saying that there were two telephone calls?

He telephoned Aviva to take out the policy. He gave them his telephone number and then they called back the same number to check that it was him and they ran through the policy with him.

[Titchytitch]

I think what's happened is hes done a quote online on which he put himself as single and me as married which I am  and hes given his phone number 

The call handler had then spoken to him on that number and hes vlaimed to be my husband and I think she had suspicious to which she referred to thr manager and then set the policy up 

The FOS investigator said in the inception call he claimed to be my husband so that's the only explanation I can think of 

[BankFodder]

I've made a further amendment. Please check it

[BankFodder]

I've made a further edit

[Titchytitch]

Yes that's fine are you happy for this to be emailed to the ICO now

 

Thank you for all your help its sooo very appreciated

 

The further edit is fine would it be worth me turning in the letter bank charge backs were done to which aviva happily refunded the money back to him without challenging the bank yet Mr Z had controlled the policy and aviva were speaking with him directly and he had full use of the policy 

 

I think the big about he stopped paying premiums isn't accurate as the premiums were fully paid he went onto putting a charge back claim either late 2019/early 2020 and he started off with small chargebacks like £204 before he went for the full whack spanning over 3yrs

[BankFodder]

Why did he start the chargebacks? Did he suddenly run short of money?

[Titchytitch]

I have no idea but I was very shocked to see Aviva didn't challenge it as he had full use of the policy 

They said as the main policyholder I was liable for the payments not the named driver a bit of a shabby excuse personally 

[BankFodder]

Please will you post up here the three extracts that you are going to rely upon.

Post each of them in their separate quotes using the quote function on the toolbar

[BankFodder]

On the 18th page of the document you sent me, it has your name, and address and a telephone number.

I'll those the correct details for you?

[Titchytitch]

My name and address not my phone number 

 

Which extracts are we referring to sorry im confused 

[BankFodder]

I see also on page 18 that they identify you as the caller – presumably to inform them about an accident? Can you tell us about that?

How does that run with the fact that they say they have never spoken with you

[unclebulgaria67]

We're the premium paid annually or monthly by Direct Debit ?

[Titchytitch]

I havent spoken to them as explained before aviva haven't spoken to me throughout the policy unless he has had a female friend or female voice on the phone to impersonate me to verify my details etc is my only explanation the fact the claim went to trial I have no court orders nothing sent to me 

@unclebulgaria67 he paid by direct debit 

[unclebulgaria67]

But was it one payment per year or monthly instalments ?

[Titchytitch]

@unclebulgaria67from the credit agreement statement it appears as a monthly direct debit

[BankFodder]

You asked me earlier on if I was happy with the draft letter.

I'm afraid that you are going to have to adopt a different mindset. The question is whether you are happy with it. It's going out under your name on it represents the facts as you believe them to be.

So please will you check it over and see that it addresses all the points.

I would point out that since I post up the first draft – which you accepted, you then went on to give us extra information which necessitated further edits.

You want to get into a position where it doesn't need any more edits because it gives the whole picture.

[unclebulgaria67]

so they also processed a consumer credit act agreement under your data record without your consent.

[Titchytitch]

@unclebulgaria67 yes that's right I havent consented to a credit agreement

 

@BankFodderI remembered all these points as I read the letter and mentioned them yes i willlook at the letter again thank you

[BankFodder]

Good point about the agreement. I have made a further modification to the letter.

[Titchytitch]

Yes I've read the agreement part are we going to mention the bank chargebacm and why aviva didn't challenge this ?

 

Premiums were fully paid he went and reversed this in late 2019 via a bank chargeback 

 

Apart from that I believe the draft is fine

[BankFodder]

No I don't think we need any more detail. Please will you post up the extracts which I asked for

[Titchytitch]

I'm not sure which extracts you're referring to I did ask earlier too 

[BankFodder]

Well if you have read the draft letter which I have proposed, you will see that it refers to 3 pieces of evidence.

You can't submit the letter as a complaint without giving the supporting evidence

[Titchytitch]

Ok so you're wanting an extract of the credit agreement, the conversation of how policy was set up from FOS investigation and a copy of avivas own policy

[BankFodder]

Yes of course. That is what you are relying upon in the letter isn't it