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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Norwich Union and the FSO


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Hi all, new member, I am currently disputing the behavior of Norwich Union, who's business behavior beggars belief, I have been in contact with the FSO after sending them two letters the latter a month ago and also sent them emails, none of which they have responded to, not even an acknowledgement, speaking to them was equally poor, quite simply, "we do not know when we will look at your complaint", surely by admitting to this, they are dysfunctional, am I wasting my time involving these people.

 

Cheers

 

Shurl

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Hi Shurl,

Welcome to the forum.

Follow this link and start a thread in that forum.

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=62

Please read other peoples threads about their claims against norwich union.

Title you thread.

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advice.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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  • 2 weeks later...

did you complian to Norwich Union.

 

According to their policy if you make a complaint they acknowledge your complaint within 2 working days of receipt.

 

N/U aim to resolve complaiints with 5 working days.

 

And who do we complain to about the FSO????

NatWest

Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)

THE WOOLWICH

Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007

**SETTLED IN FULL**

CAPITAL ONE

**SETTLED IN FULL** 3/11/06

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Followed all of the procedures as layed down by Norwich Union themselves, still no reply, all letters sent by recorded delivery, was forced to speak to them only last week regarding the claim, promised they would call me back to assure me that the matter was now settled, what have I heard, sod all that's what, however only this week received a letter from the CEO Office at Norwich Union, the Ombudsman had written to them, strangely the letter from Norwich union was signed by the Chief Executives Office, no contact name provided, I think they are pathetic.

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Shurl,

 

Hi. Sorry you have been let down. Let me know if your complaint hasn't been dealt with yet. I lead the Customer Relations office (the CEO Office). I am really embarrassed that our letter didnt have a contact name. Apologies.

 

Anyhow, if you still need help you can email me at : [email protected]

 

Thanks

 

Darren

Head of Customer Experience, Norwich Union

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  • 9 months later...

Hi there,

 

Been reading this forum and itseems like if a customer complains they get what they want and the FOS always back sthe customer is this true?

 

What if there is no proof of ownership and no substantiation and its not been reported as a loss to the police?

 

Would the FOS over rule the Insurer just beacause of a complaint or would there be a pay out if you complain to the right people?

 

Dazza is it NU or NUD you work for as it seems you are bending over backwards to help people but in reality where do you draw the line?

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Hi Risky1. The latest data i saw was that the FOS upheld 88% of Norwich Union decisions when the customer had refused to accept the NU decision and had used their right to escalate to the FOS.

I work for NU, and have moved to the Life & pensions side of the business. But, we are all one 'group' including NUD, so any customer with an issue can come to me.

That said, the decision that will be made will be no different to if the customer complains through the usual routes. That wouldnt be 'Treating Customers Fairly', if just by contacting someone 'high up' you get a positive outcome. All I will do is make sure the complaint gets looked at as quickly as possible.

Hope that makes sense? Ofcourse, the ideal for us is to keep all our customers satisfied and not needing to complain!

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