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mrscsmith

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  1. Yes I have done so, this behaviour of the bank is so inhumane when nothing is wrong with an account. Unfortunately the Ombudsman needs 4 months now to start looking into a complaint. I lost my workman as couldnt pay him, my house cant be rented out, the damage I have had is unbelievable despite ruining my daughters birthday as she got nothing!! Will just have to sit tight and wait for Ombudsman now as Santander gave up speaking to me weeks ago.
  2. Update: My daughter got a cheque for her account 2 weeks ago saying We have closed your account and giving no explaination. Letter was dated 6 April but took 3 weeks to send her cheque out. Today (28 April) I got the same letter, dated 6 April, Cheque dated 11 April and received on 28th April. So the bank needs 22 days to send out a cheque in the post. What is more disgusting is NO REASON GIVEN, blocked my account, destroyed all my direct debits, loads of stress and worry ALL FOR NOTHING. There needs to be a change in the law that banks cannot do this to customers and refuse to communicate with them. I still have no idea why this has happened?????
  3. I never do cash, all payments can be followed through. Only took £500 cash out at start of kitchen to purchase items locally 2 months previous. I gave my daughter the money in the first place but just needed a loan to get a kitchen finished. All payments are done via electronic transfer so traceable, nothing strange at all. Cant defend nothing when bank wont get in touch to ask anything, have even sent CEO email stating what was going on with kitchen etc. Thanks for the SAR link will send this off.
  4. Main issue is the bank hasnt asked for anything. I dont do cash or international banking. I have been doing a kitchen renovation and ran out of money so borrowed some from my daughter. I told her mark it as loan as I will be paying it back. Nothing more than that.
  5. I have still no reply from the bank except complain to the Ombudsman, done a complaint to them and now had a reply that it may take 4 months for a response even though I marked it urgent. My benefits will be paid into a new bank account later this month but I only have a loan of a friend for food and cant pay the direct debits that Santander are now returning. I still have no idea why they are doing this to us and what is supposed to be suspicious to freeze the account? Nobody seems able to help or pass on any information as to whats happening. No contact from police or nobody sure this is not correct way for a bank to carry on?? I am so frustrated and worried. 18 days now - just nothing. Any advice please?
  6. I have opened up two new bank accounts now and getting benefits changed into them for next month. I have emailed the CEO with all the details of my account but it is picked up by a worker in the office who has replied with WE DO NOT NEED TO TELL YOU ANYTHING AND NO TRANSACTIONS IN OR OUT. We dont know how long it will take and they still refuse to give me my benefits money. My direct debits will start to bounce now and my credit file will be ruined.
  7. Today I find out both mine and my daughters account have been blocked by Santander Bank and they refuse to say why, who, what or anything else at all. The last few months we have had several investigation phone calls about money in our account going back years which I explained all to them. Its just general banking stuff. I have saved my whole life for my daughters uni fees so her balance is healthy and they dont seem to like it. They wont even let me have my benefits or any cash at all. They refuse to speak to me even when putting in a complaint and just say wait. How can I wait with no money, soon no petrol and then no food!!!! I dont know how to get them to see sense. My credit rating is excellent so no problem, no overdraft, no loans. I phoned benefits and they know nothing about it either and said I should be given my benefit money but the bank refuses. Can anyone help before I go out of my mind PLEASE
  8. The property has been empty for a few months. Some electricity was used as workmen were redoing the property so small bill generated. No gas was used at all. There is smart meters installed. I am being charged around £50 for gas standing charge even though no gas was used. Is there any way of getting a refund on this? I know other companies do but dont know about Bold? I asked the lady on the phone but she said no but want to check any other options going. Thank you for reading.
  9. The police have said I have no proof the tenant did the damage!!! They basically want CCTV inside the house of him smashing the place up otherwise there is no proof - who on earth could provide that? They said claim on your insurance so you get caught whatever way you turn.
  10. Some of the damage is smashed pipe work, smashed bath, slashed leather settees, filthy carpets, destroyed mattresses, chunks out of cupboards etc etc. If this is not malicious then I dont know what is. He even got a nail type thing and scraped the word "c * n t" into the kitchen walls that had to be refilled, sanded and repainted. They have no medical evidence I just said that he was an alcoholic that was clear when he took the tenancy. He lost his job due to turning up drunk to work on trains. Lost his car after drink driving. His friend gave me this information and from the video its quite clear its an alcohol issue as bottles litter the house. The policy covers both malicious and criminal damage along with water damage, accidental damage and rent arrears. I assumed this policy covered everything as there were very few exclusions. I read the small print before taking it out. The loss adjuster was sent videos and hundreds of photos that she has not bothered to look at as coming back with stupid questions that are clear from looking at the photos. Said the house had to be decontaminated after he put excrement everywhere but now saying that is not covered. Cleaning and repainting cost £1500. Police have videos and photos and refuse to do anything saying its a civil case claim on your insurance.
  11. I have a Landlord policy with AXA. The tenant became mentally ill and alcoholic which was hidden from me for quite some time. Then he had to be evicted due to serious property damage and unpaid rent. He decided he was too lazy to go toilet so filled the bed, carpets, wall, white goods with urine and excrement. The furniture was all soiled or broken. Axa are now refusing most of the claim saying "Tenants Lifestyle" not covered. I have triple checked my policy, before buying it and after and nowhere does these words appear. It clearly states I am covered for loss of rent and malicious and criminal damage. How can urine, excrement and smashed furniture be classed as "Tenants Lifestyle" Why isnt tenants lifestyle mentioned in the police as an exclusion? Are these the new spoof words to turn down every claim? Has anyone heard of this before I am sure they are making these words up to avoid paying. The claim if over £9,000 in total. I have searched the internet everywhere and no where does it state tenant lifestyle in regards to insurance. Looks like Axa is using it as a scam not to pay a genuine claim. Any advice please?
  12. Are Monza or Alike easier to get - I dont want to apply if I get turned down again. Dont want to stay with my bank for 3 years more as they are terrible.
  13. Can I not get HSBC to change it from no payment to something else as they did get the money when I found out about it? Cant believe that little slip up can harm me now to be refused a bank account, everything else has been perfect since.
  14. I recently tried to open up an online Chase bank account. I was shocked to see they had refused me. I had got hold of my credit records everywhere and its all excellent - my score is almost at the top everywhere. There are no warnings or markers anywhere, no court issues, no associate issues, no loans etc. etc. After digging deeper all I can find was in 2019 I changed account and the direct debit going to HSBC was stopped so they had no payment for 4 months. After finding out I phoned and paid all the arrears off in one go - it was a slip up on transferring banks. Every since then it has been fine. HSBC have left the account as no payment received. Could this be the reason I was refused a new bank account? Is it possible to get HSBC to say it was paid in full on the 5th month? Worse thing was it was only a small payment that went each month. Any advise please? Thank you
  15. I need an internal CCTV camera that will record any movement and send it to my phone/laptop BUT must be able to view through a glass window as I cant install externally. Can anyone please tell me which camera can do this as I cant find one. I need two of them for back and front of house. Happy with one that takes pictures and doesnt need live recording but if not too expensive can do that also??? Is it possible these days to download an app - I am really not tech aware but someone is messing around outside and need to find out who. I am moving home in 3 months so dont want large expensive for such a short time. Thank you
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