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    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
    • No doubt the hotel will have security cameras on the floor you were staying to confirm or deny the allegation??   The only compensation you will probably get, which will be discretionary as a goodwill gesture, will be a credit voucher for the entire hotel group. Very much doubt anything more than that as you have not substantiated, the hotel committed the transgression 
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manecas vs natwest


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watt i mean is: i have to send a letter to natwest asking for my charges or i have to ask for all my statements since i started with my account and then found myself the total amount?:p

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A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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hi parkvale thanks for your help i go tomorrow in my branch and ask them for my statements for the last year if they dont give me that i will sent the letter you are advicing me to sent i keep updating my situation bye

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Good luck manecas. It's really hard taking the first step towards reclaiming your charges, but you'll find that on this forum you'll get all the help and support that you need to see it through to the end. If there's anything at all that you get stuck on, please just post on this thread and somebody will come to your aid. Again, good luck. Best wishes, hedgey xxx ;)

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You're welcome manecas, entirely welcome. Reading between the lines, I think you've had a bit of a rough ride with the bank and that maybe you've accepted an account that wasn't explained to you properly in the first place? Regardless of that, you're in the right place now, and I really do hope that you keep on posting with your progress and/or any advice or support you might need. If you get stuck with anything at all, no matter how small it might seem, just post here on your thread and you should get a response quite quickly. And welcome to the CAG - don't think I've said that yet!!! xxx :p

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hellooo again good people here is your favourite aprentice.have read that news about the hsbc bank in Poole?that they only attend costumers in branch if they have more then £75000 or a hexley £200000 mortgage or £100000 mortgage more £75000 income funny an? i never expect to see anything like this in my life.

well i said this because my branch manager is one of these people who only likes you if you have a good amount of pounds in your account,if not she launches you is reptil look,and today i have the fantastic to not say a "orgasmic plaisure" can i say that ? is not a offence yes?

well i just said to her in the most louder ton of voice -Madam x i want you please to tel me if to have a complete list of all the charges that your bank as aplyed to me, is neccessary sent any letter to natwest requesting that or you can do that for me here in the branch?

she asked me-can i ask you why do you need that information?

-yes you can my lady.is just to calculate the total amount of charges your bank as ilegally taked from my account,amount that i gonna request natwest to refund me.

now Madam can i have a answer please?

well the branch was full of costumers and i think she only not tried to make me change my mind with fear that the other costumers started making questions about.

in the end she as write a request form for me and told me that in one week time my request will be available on the branch.

well i said thank you soo much and leave the branch with that smile face to face and let her with her horrendous hungry face and burning eyes.

watt a b****.my god wend i remenber the look that she showed to me i just can think on that horror or thriller movies.

i feel really well and happy for take this step.

thank you all again.specially you hedgey06 have a nice weekend go enjoy the air of the sea because we gonna have a hot weekend;) :p:cool:

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Guest NATTIE

sigh sigh sigh, not an easy job working for a bank, eh? and i do think the use of that word is offensive describing the manager as a b****.

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and watt you think Nattie we gonna win or not, wich ones are the odds,if this case goes ahead he as chances to beat that sharks or not ?watt can we do to help him if he needs?:p

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Guest NATTIE

I am awaiting a NatWest win on this one, so i am a Cobbetts fan on this issue alone.:D I think there may exist evidence that could potentially prove his case but as it stands this specific piece of info is not one that i think he may have gotten hold of, so I have to go on the opposition side on this issue.

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Nattie we if he wins. that will make it,

20,000,000 to us and 1 to Nat West. ;) Really that is one to many.;) and a cobbett

fan as well. Oh Nattie you are an honourable man in in the line of duty. We would be lost on this site without you.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Guest NATTIE

I am a cobbetts fan without doubt but only on this specific case. I am sure that the end is nigh to the charges system as we see today, but I am not one for following the line of outright support for Tom Brennan.

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i do think that if we can win each of our little battles against the sharks before we move more deep we must consider very well , if we can or not win , and not just jump in the dark like if you are playing pocker i hope

that is not Tom Brennan situation but i have to admire him anyway,good luck

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hello everyone please i have the letter ready to sent to natwest asking for the complete list of transations and charges but i dont have the adress can you please tel me to where sent the letter tank you

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IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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