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    • You also need to explore whether they acted on their own initiative to cancel the policy or whether they were passing on to you a decision made  by the insurance company who issued the policy.   Who is the insurance company (the company whose name appears on the policy and on the Certificate of Motor Insurance)?
    • I have added some lines – and read and made some corrections. I should leave out the stuff about being confused and perplexed. It really doesn't help – all this shock and awe stuff. And in any event, grammatically you have expressed it in a way so that your shock and awe appears to be expressed in relation to your own letter – not the letter which you have received from Aviva. Keep the emotion stuff out of it. You've got lots of good ammunition here. You don't need to start diluting it with outrage.
    • Hi Guys   Sorry for the delayed response   I have attached me Change of address letter and SAR which I am sending to EPS. I have redacted my information but apologies if I have missed something   I have also attached my snotty letter to Gladstone   Let me know if i am missing anything or need to change anything. I was thinking of sending the letter to EPS on Monday and then Gladstones on Wednesday   Also regarding @honeybee13, the comment about saying 'the driver' rather then I. I wasn't too sure how to implement this given i'd have to put my name in so they have someone to send the letter back to?    EPS Change of address and SAR Letter Redacted.pdf Gladstone Snotty Letter Redacted.pdf
    • Hi   I haveh ad a good re read of your Topic and do agree with BazzaS  that you need to take a step back from this and I can appeciate that you are not happy with the treatment that your relative has been given due to the sleeping pill being prescribed.   You mention the wait at the hospital of over X hours but you do not say if this relative went to a certain department with a GP letter or whether this was via the hospital A&E Department.   If it was via the Hospitals A&E Department you need to bear in mind the following:   1. This was during COVID-19 and protetions will be in place to protect both Medical Staff and Patients coming to A&E   2. The A&E Department will Triage every single Patient coming to that Department as to who needs instant medical treament to those who can wait a certain period but as this can be a fast flowing Department the Triage System can change minute by minute dependent on the amount of Casualties/Patients they have to treat.   IMO you need to approach this from the beginning as to why your relative was prescribed that specific medication with there medical condition and that GPs reasoning at that time. (was this fully discussed with that relative at that time, as you say they have capacity to sign a letter, did they understand what the GP was saying at the time about this medication and did they agree to the GPs decision to prescribe this medication if they have capacity and were the possible side affects explained)   My concern is you state they have Dementia then state they have capacity to sign a letter but we are unaware of what type of Dementia the relative has i.e. is it early onset Dementia as you need to be very careful if they have memory loss issues with stating they have capacity to sign a letter when there is no Power of Attorney nor Deputyship in Place for that relative.    
    • Be Wiser is the Trading Name of Atlanta 1 Insurance Services Limited, an Insurance Broker (see this link Privacy Policy look under 'Who we are': https://www.bewiser.co.uk/privacy )   Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   Company Number: 03642372   Incorporated: 1st October 1998   Company Type: Private Limited Company   Directors: Craig David Ball (Appointed 22nd March 2005) & Ian James Donaldson (Appointed 20th December 2004)   Companies House Link: https://find-and-update.company-information.service.gov.uk/company/03642372   FCA Register: https://register.fca.org.uk/s/firm?id=001b000000MfWfKAAV (according to above link they have 36 different Trading Names)   As stated send them a Subject Access Request (SAR) asking for 'ALL DATA' that little phrase covers whatever format they hold that Data in and they have 30 Calender Day to respond and the Time Limit only starts once they have acknowledged reciept of your SAR and are not asking for further identification which can then extend the time limit.   In the Privacy Policy Link: https://www.bewiser.co.uk/privacy  (see 9. What are your Right for who to send your SAR to (in fact see below))   Data Protection Officer Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   There Terms & Condition on ther website isn't really clear on Cancellation in the circumstances you describe but it does mention elsewhere about if you have a telematics insurance policy to refer to suplementary information which isn't on there website.   Do you have a copy of your actual Polict that they sent you that you could post up in PDF Format and make sure it is redacted please as the T&Cs on there website may be different to your actual Policy due to them being a Broker.  
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Not sure if this is the right place to post


several years back

I lost my job

got into a bit of debt

got a securied loan on the house

fell in arrears with th payment as well as my Mortgage

I was paying the loan company off extra to keep them from taking my home...as well as getting a stay on the property


Now this is where it all when tits up


A bloke called edited sent me a letter

seen me in stubs gazette

I can help you I can get you to keep you home etc


told us he would remortgage us or buy the house for cash


all lies he took £500 quid off us that we did not have we borrowed from our parents


we paid himstraight into his back on a friday afternoon so he would go to court on our behalf to get a stay on the properity....


we were at this stage looking after my brothers home as he was away abroad.....


I got a call to my mobile from the Courts to tell me that they were going to take over my properity within a few days


I called Mr


his reply was never worry he can get it turned around as its normal


we called by the house the following day and found that the locks had been changed


there was a forsale sign in our garden the following day.


I called him


but this time I got voice mail for 3 days including his office


when I did get him on the phone


he said again dont worry he will get our keys back


never happened.


turned out he did not even go to court for us.


end result our home was sold for alot lot less than what it was worth


he told us we would get app 30K


after all the debts were paid


we got around £4 k


the man lost our home and we ended up with noting.


I looked into this man


I came across another couple in the same boat where he stole around 30k on them


I spoke to the chap from the courts and he told me that he knows editedfor app 15 years and he has been thu the court himself for CCJ bankrupt etc...on many occation and is a bad man


I called company house he has app 11 companys in his name that cahnge every few months


the name he used to rip us off again has changed


he will not take calls from us as he blocks our number


what can I do to take this man to court to have his home removed from him and pay us back


he is not a LTD company


I also called the courts and they cant find me on the system


they have alost lost all my files have spoke to them app 9 times and get same reply have lost them


where do I stand what do I do


I have a 10 year old daughter and no home


we are now renting and have bad credit due to this may ripping us off


there is alot more but you will fall asleep if I go into it in depth


Please take the time to help us out


ps several years has past is there a time scale?


I have been on the ball from it happened but have been knocked bacK with paperwork lost


I dont Have the money to take him to court

I feel like going down with a baseball bat but that makes me as bad as him


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As he took the money from you under false pretences, the statute of limitations probably does not apply, so don't worry about how long it has been.


I would make a complaint of fraud against him to the plod first to see if they are willing to do anything.........


If not, the first step is to get an address for him, have you got it ??


You say he has about 11 companies, but then say he is not Limited :confused:


As for the house being sold cheap, there's grounds for a claim there if you can proove it.

Nil Illigitimus Carborundum

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many thanks


yes I have an address for him


I will also give you him web address so you can have alook


He is still trading and making people homeless everyday


any info you need just ask I happy to help you help me


web address is




please nore changed company name again


Moderator note : Links to external commercial websites are not permitted on this forum unless expressly authorised by Bankfodder or Dave

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Hi Steve,


I am so sorry about what has happened to you and your family. I am sure this [edit] was on a tv consumer programme in the not too distant past, alleging fraudulent activities, I just can't remember what it was!:confused: Anyway, what you need now is advice on what to do to redress this [edit] awful situation. Ok, you certainly need to play detective and find out where he lives. You must research Companies House records to find out all you can. I am sure there will be someone on here who does private investigation work, or knows someone who does, who would be prepared to help you for a nominal fee, to help you trace this [edit]! Be prepared for a fight, [edit], you've been on the receiving end already. There is a website that covers lots of stuff to do with repossession and has good advice. I'll post a link tommorow, I need to dig out the info!


Moderator note : please refrain from using bad language on this forum (using asterisks to cover a couple of letters is not sufficient). Please also refrain from any language that might expose the site to libel action


Can I suggest that you post this in legalities also. Lots of people there will give helpful advice as well. Get as much assistance as you can. I hope we can all get together, pool our knowledge and help you resolve this grave injustice. Send me a message anytime.





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May actually benefit by being in the dca threads.

Please be aware of the posting of individual names tho.

I know that this is an important part of dealing with it but there are other ways if this is essential to getting a result.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Sorry! I can see how my comments might expose the site to libel. I was so angry about Steve's situation that I didn't really give appropriate consideration to my response. Apologies for causing moderators unneccesary work! I will ensure my responses are appropriate from now on! Sorry guys!



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Ok first of all




sorry for posting names...I am new to the site and thought I was allowed to name and shame this man


my mistake



can the person who posted that they think they seen this chap on TV please give me more info


I have all the details needed I done all my own PI work


he lives st the same address that his so called office is based


I made calls to ?????????? and they confirmed that this man had 11 different comapny names logged with them...they also made the point that it was odd to have so many and change so often.....


I called the police and they did tell me I could look into it with them as fraud...I did not go ahead with this as my main concern is to get my money back for my LOST HOME so I may start again and have something to show for what we put into it.


I done my homework and came across another family that he did do a remortage with and he claims that this man and another stole app 30k from them....


I also had a meeting with the chap from the courts that gives out the CCJ

turned out to be a really nice man

only doing his job really.

he told me that this man that was working on my behalf to save my home only contacted them once and left it far to late.

he also told me of the record that the same man I hired had been though the courts so many times for worse than myself

ie: ccj,s debts and at one stage bankrupt


I called the court to get my court number from the computer system and they told me that I was not on their system

I was told that it was becouse they have just changed to a new one and the chap I need to talk to is off.....he knows the system inside out.

I got talking to him a few days later and he told me I was the only case that he has never found...looks like i Have not been thu the court.


I was given a number for an department that looks after old files...again she told me my file had been lost..she sent a chap to the store seven times and has came back with nothing.


what is going on? are they working together? does he have an inside contact to distroy my files?


if you need any more info


please ask I am happy to give you what I have to help me and my family


I have all the paperwork I kept here be happy to mail it to you private if needed?


I would also like help with the solicitor that delt with my secured loan...he was hired by the loan company and we paid his office most of the loan ....yet they dug deep and took the lot from the sale of the house including interest etc...so I paid it twice really.


its just a real mess


and why it has taken me so long to do it on a forum is every time I try to get this off the ground I am giving little or no information to help me...ie: lost details......also I dont have the funds to take this man to court....as was told it not be worth while....



this has got me down in the dumps...when I look at the price properity has gone up over the past two years and its almost imposible for first time buyers.


may daughters school is yards from my lost home and we see it everyday so its never forgotten.


this man has left me and my young family without a roof over our head.


I know its my fault where I got into debt...but again how many others are like me...men like MR ??? ???????? pray on us. Thats whay he can afford to drive a BMW X5 live in a £750.000 house go on holiday 3 times a year


and still walk the streets.


do I have a leg to stand? or is it a waste of time.



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If the court really has no record of the repossesion of your house, something stinks. Double and triple check with them, then if nothing comes up SAR them, if still nothing shows up then something big is amiss here !

Nil Illigitimus Carborundum

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You could always check th electoral register ( phone the local council) and find out who owns the house now. That'll give you idea if you've been stitched up in any way.

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Steve this is a terrible story and it looks like it is a criminal matter. I would follow the advice given in previous threads but I think you need even more help. Are there any lawyers around you who work on a no win no fee agreement - your local Citizen's Advice may be able to help here.

I don't have much to add but just to send a message of support and CAG is wonderful as you will get support and sound advice here from people you have never met.

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And another thought. This is just the sort of case your local MP should help with. Make an appointment to see them at their weekly surgery (they mostly do weekly surgeries). If they take it up they will be able to get reports from the police etc and may be able to pull it together quicker than you can.

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Have you tried e-mailing Watchdog for details of previous programmes ? Several people have said that he appeared on a previous programme. If you can outline the details of what happened, you may be able to purchase a recording which would help you to identify this fraudster....

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Hi Steve,


Sorry I haven't been back in touch before now, pressing issues came up with a Court case I'm involved with at the moment!:eek: I was giving the matter some thought and I'm sure it was Watchdog I saw him featured on.


As for the site address I was going to give you, I am having a little touble locating it at present, however, I will send you a PM when I find it!


With the considerable brain power and experiences people on here have had, I'm sure we will be able to help you in one way or another! We'll all certainly do our best!



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Hi Steve,


With the considerable brain power and experiences people on here have had, I'm sure we will be able to help you in one way or another! We'll all certainly do our best!




Just look as this horrendous one and the support for inspiration http://www.consumeractiongroup.co.uk/forum/hsbc-bank/26925-business-account-over-19-a.html


- that's not to take away from the thousands of others who give so much to all of us on here - you'll get through this if you stick with it. It can be hard but you seem prepared and determined to acheive justice - and you will. Good luck my friend.

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