Having a look at street view the signs are 8am to midnight there seems to be quite a few one is near the corner of Windermere ave opposite the long row of conifers. I think the google street view I'm looking at is 2019 capture date.

I don't want to sound rude or condescending but can I ask a few questions, the establishments or the police might ask similar questions. Was your wife angry with you that night? Could of it been done deliberately to get back at you? What's the reason your wife can't get access to her emails anymore? could she had used your ID instead of her own to register a account? if it was a [problem] website then you should be able to get your money back from the bank.

I've just tried to open and account with them just to see what's required. this was sent to my email inbox...…………... As a regulated and licenced business, we have an obligation to confirm the identity of our customers in order to follow the most recent requirements from the UK Gambling Commission. Please be aware you will not be able to deposit or play until you are fully verified. In order to do this, we still need to verify your identity. Please send us a picture of your Driving Licence. Verify now using ONE of the following methods: a) Uploading your document to http://promotion.ladbrokes.com/verify/ b) Email your document to verification@ladbrokes.com If you don't have a Driving Licence, please send a picture of one of the following ID documents: • Your valid passport (photo page only) • Your valid ID card (front and back) If you need any further assistance, our verification team is always happy to help! Simply send an Email to verification@ladbrokes.com We appreciate your understanding and cooperation on this. Kind Regards, Ladbrokes Operations Team Ladbrokes Operations Team This is a customer service message sent to Ladbrokes.com account holders. If you have chosen not to receive marketing emails from Ladbrokes.com receipt of this email does not alter that decision. This email communication makes use of a 'Clear Image' (gif) to track results of the email campaign. If you wish to turn off this tracking for future emails, you can do so by turning off the images in the email itself. Ladbrokes is operated by LC International Limited (Suite 6, Atlantic Suites, Gibraltar) and licensed (ref 54743) and regulated by the British Gambling Commission for persons gambling in Great Britain. For persons gambling outside Great Britain, Ladbrokes is licensed (ref 010, 012) by the Government of Gibraltar and regulated by the Gibraltar Gambling Commissioner. This email and any attachments are confidential, and may be legally privileged and protected by copyright. If you are not the intended recipient dissemination or copying of this email is prohibited. If you have received this in error, please notify the sender by replying by email and then delete the email completely from your system. Any views or opinions are solely those of the sender. This communication is not intended to form a binding contract unless expressly indicated to the contrary and properly authorised. Any actions taken on the basis of this email are at the recipient's own risk. Copyright © 2020 Ladbrokes

I don't know how it works where you are but generally watersure tariff is capped at about £37 a month regardless of how much water you use, having a look at your area on the net it is about £438 a year,.do they ask you by letter yearly or every 2 years to send them info to confirm you still meet the criteria to get watersure tariff, if you don't send it to them they will put you on standard tariff.

Thanks, you have to laugh at this bank they tell you historical information when its important to them, so it goes against you, like the card started in 1979, when you want historical information that's important for you to help you claim they haven't got it.

Have a look at FOS on trustpillooot someone has just made a nice post about 4 hours ago:)

I don't know your circumstances, but I predict they will tell you its not mis-sold and encourage you to take it to the FOS knowing full well they have a cosy relationship with the financial institutions.

I wouldn't either I think they are trying to scare you. I cant see them winning in court and I think it would be too much hassle just for £500.

hi! I'm back again. I've had a court phone meditation and the bank was only interested in me dropping my claim no issue to resolve not even a reasonable goodwill gesture. They said if I don't drop my claim it would cost me a lot of money. I told the mediation officer " I'm claiming for 4 PPI policies not 1 policy that they seem to think I'm claiming". the bank is playing dumb and don't seem to be acknowledging the other 3. When I filed a MCOL claim I only gave very brief detail and quoted a ref number A7480588 this was a mortgage claim number but was also used to bring up the other 3 PPI policies on their computer system this number was quoted on some of their letter headings when writing to me about all 4 policies. The solicitor is going to strike out my claim as it is not particularised and other issues. A lot of inaccurate information has been said, I first put a claim for PPI by post on behalf of next of kin in Nov 18 and got a undated with no ref number fob of letter recorded delivery with the death certificate and PPI policy details in Dec 18. When not hearing anything after 3 months I phoned the PPI department in March 19 and they had no record of it I think they were lying. They told me to go to my local branch and file a PPi complaint there. We duly did and gave the bank manager details and various forms of ID. The next of kin still banks with the same bank and still has the same account number where the deceased was paying for the loans into this account number. but obviously his name has been dropped from the account why they keep wanting all this ID is crazy, in the end after keep getting letters and phoning up telling them we haven't got the type of ID'S they want and keep going up the bank with other forms of ID that the PPI team said would be OK. My 82 old mother had to apply for a driving licence for the first time that's the reason for the delay. After all this and getting the driving licence endorsed by a solicitor they went quiet again. when waiting for ages we phoned to find out what was going on and they said they were paying out for 1 policy and closed the others down. when I question why" they said had you not received any letters" I said no then the guy said ok we will open them back up again and you will hear from us in 14 days. The 14 days past 21 days passed and I had enough and took out a court claim. docs 1.pdf

Its a MCOL online i filed, thought i saw something for unspecified amount but i might be wrong. Shall i cancel and submit a paper form instead i know i will lose my fee?

yes it might of been when i filled the form in i think there was a box saying " i don't know how much i will get". Most ppi payouts from banks are based on estimates due to lack of data from what i can make out. If im successful can the judge lower the amount to what he thinks is right or if i've over estimated it will the judge rule in the other sides favour. I think you have to use the paper form if you don't know the amount rather than the online form as you will obviously know. form n1a Value If you are claiming a fixed amount of money (a ‘specified amount’) write the amount in the box at the bottom right-hand corner of the claim form against ‘amount claimed’. If you are not claiming a fixed amount of money (an ‘unspecified amount’) under ‘Value’ write “I expect to recover” followed by whichever of the following applies to your claim: • ‘not more than £10,000’ or • ‘more than £10,000 but not more than £25,000’ or • ‘more than £25,000’ If you are not able to put a value on your claim, write ‘I cannot say how much I expect to recover’.

Hello Andyorch can i close this court claim down and cash cheque (might be blocked) and start a new claim for a unspecified amount and tick the interest box as my specified amount was based on estimates as i don't have full details of amount and the bank probably hasn't either. is going for a specified amount going against me. if i go for a unspecified amount it might be below probate threshold also . thanks

ok thanks, i started this claim for PPI at the beginning of November and they want more time.

ok thanks, will write to court as i can't see anything on MCOL to do this, do i need to inform defence solicitors also?

yes the claim is 8000 plus 410 court costs. img20190815_14201182-converted.pdf Forgot to add the cheque is in the name of next of kin and not me.

I claimed on all 4 together including interest for £8000 (a set amount) but they have paid out on one of these a few days after i submitting and paid for a court case. I haven't cashed the cheque as i was unsure what to do. They have sent me a Acknowledgment of service defending all claim.

ok the defence has ticked box (i intend to defend all of this claim). Two days after i filled a N1 moneyclaimonline form, a letter and cheque came through the door for £1200 not cashed it yet settling the smallest of 4 claims. The bank has ignored the other 3 claims and has not sent a final response letter for them, they told me they would write to me about all 4 PPI claim separately. When i phoned them up they said they have shut the other 3 claims down, they said "haven't you received a letter" and i said no! Then the guy on the phone said ok we will open then up again and you will hear in 14 days, but i have heard nothing after 28 days. The next of kin settled the estate not me as the executor, the next of kin claimed PPI from the bank, but as i'm the executor i'm bringing the claim to court

sorry im the executor who is going to court to claim 8000 from the bank. will i need to bring next of kin (non executor) to court with me?

£8000 already applied and the defence solicitor is asking for probate yes there was a will all assets went to surviving spouse no probate or letter of admin needed.

Im taking a bank to small claims court, as a executor will i need to get probate now for PPI as i didnt need it before as the banks threshold was 50,000 without needing probate. 1: Its been less than 14 days can i cancel court case and start a new one for under 5000 as i dont think i will need probate then. 2: can i still go to financial ombudsman as i've only initiated a small claim without a hearing; Thanks for any replies in advance

i'll be interested how far back they can produce statements, in 1991 it was 30p per £100 .Also they use to charge a annual fee for having a barclaycard of initially £8 then £10 but this was dropped in 2001.

That's fine! Maybe i could sell the form back to Barclays for a nominal fee as they have clearly mislaid theirs, my record keeping it better than theirs . I'm not a past employer of them, just a disgruntled customer. I need the money as i have a court case against them for single premium PPI policies that they keep giving me the runaround on, im fed up with there lies and deceit. I cant say if im going to win or not but its not about the money anymore its a matter of principle. i might be asking for some advice on here myself as i haven't been to court before .

Here's some important parts of the form for you.

Here's the signing part that the saleSman never signed.This is from 1998 img20190803_13330704.pdf

i have a copy of the barclay card application form from 1991 and you are correct it was automatically added and you had to opt out by ticking a box, this caught many people out and the FOS agree it was mi-sold as it was confusing. Financial Ombudsman service:However, some forms ask people to' deselect' or 'opt' out of PPI usually by ticking a box if they didn't want PPI which often wasn't made very clear. We don't think this is fair if the customer did nothing, it would look like they chose to have PPI, which might not be true. So in this case, we'd probably say the policy was mis-sold.