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    • 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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Newbie - advice needed please - Halifax


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Hi, I'm new :) but have been spurred on by reading all your positive posts about claiming but am now doubting myself.

... .This is where I am up to: I managed to get my statements through from Halifax.

Then I emailed them stating the charges I want back from them. I am a cardcash account holder.

I received a letter back from them saing my complaint has been declined and that if I continue to use my account in this way then more charges would be applied.

They also said that I referred to guidelines on credit card default charges issues by the OFT and as the guidelines do not apply to bank account charges they cannot comment on it in connection with my concerns. - I got this bit about the OFT in a template letter - so have I sent the wrong thing? I only want my charges back. My charges relate to insufficient funds in my account when payments have been requested.:eek:

I've only got a cardcash aco**** and no credit cards.

Should I give up?:???:

Any advice would help me.

Thanks in advance for any replies

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Hi, I'm new :) but have been spurred on by reading all your positive posts about claiming but am now doubting myself.

 

Welcome to the right place!

 

We all doubted ourselves when we started out!:)

 

 

 

 

 

I received a letter back from them saing my complaint has been declined and that if I continue to use my account in this way then more charges would be applied.

 

Nasty! Nasty! Nasty bullying technique!

 

I got this bit about the OFT in a template letter - so have I sent the wrong thing? I only want my charges back. My charges relate to insufficient funds in my account when payments have been requested.:eek:

 

Best to stick to one site - THIS one!

 

We have everything you need here:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

And here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

 

 

 

Should I give up?:???:

 

Definitely not!

 

Start again with our template letter requesting your charges back!

 

We'll be folllowing you with interest!

 

;) (I'd suggest 65.8% Interest!);)

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Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Make sure you have a good read around the threads in here and see how people are getting on.

 

The link above that says library has all the letter you will need.

 

If you get stuck, just post on here and someone will be around to help.

 

Good luck with your claim.:)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi and welcome!

 

PLEASE don't give up, we've all doubted ourselves at the very beginning and we've all had the letters telling us that they (the Bank) are right and we are wrong.....but it's not like that AT ALL!!

 

I am currently (well, I was) claiming on 3 Halifax accounts; two of them Cardcash and one current. Success stories on two so far:

 

One cardcash - paid up the full amount claiming without going to court (£3500)

One current account - paid up the full amount claiming, again without going to court (£1430)

 

Am ongoing with another Cardcash at the moment, and that's being reviewed at the moment, so no doubt an offer will be in the post soon.

 

Also, am sorting my brother's HSBC out for him

 

Everyone here is so friendly, helpful and there for everyone else, so please ask any seemingly silly questions and someone will know the answer. Cn only reiterate what SSL (superstar) has said above - read the templates, the timeline and everything you can....it's honestly not as scarey or as difficult as you think, and remember it's your money!

 

Hope this helps, best of luck and keep posting.

 

Purps xx

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:D Wow thank you so much for your replies! I'm already relieved. I will do as Dursary suggests and start again with my prelim letter (from these forums).

A part in the template letter suggests asking for explanation from them regarding my charges. In my letter received from them they said "As this is commercially sensitive information, I hope you will understand I cannot provide this information". - So perhaps I should delete this para from my new prelim letter - I don't want them repeating themselves or telling me the've already told me that!:o .

Do you think I should e-mail my new letter and spreadsheet back to the customer service manager who replied to me and should I quote the reference number that they gave me in their reply?. :confused:

It is such a relief to be finally getting this ball rolling and to get replies from such fantastic people in the same boat giving really helpful advice.:)

Thank you again and I will of course keep my thread up to date with any developments - of which I hope there are many !!;)

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Well - I thinl that the template letters work just fine as they are!

 

It won't matter about you repeating yourself - cuz all HBOSplc ever does is send back pre-printed pre-paid boring old template letters that they are running off their machines at 24,567 copies a minute!

 

I wouldn't e-mail them.

 

Just send them off to Trinity Road. (You can send them Recorded or Registered - if you like - no one ever signs for them properly! But you might gain a bit of peace of mind!)

 

You keep us posted.

 

After 40 days I'd expect you to be writing here again saying: "They haven't sent me my statements." - That's normal, too!

 

Stick to YOUR time-scales - not theirs!

 

 

Thanks for the you-know-what! Nice to be appreciated - not than HBOSplc appreciates me!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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