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.

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?????

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.

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.

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?

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.

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

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.

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.

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.

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?

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.

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.

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

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

I am under treatment but as I also have physical and mental disabilities this type of thing is not something they will treat as you are only allowed 12 sessions in total and they said I need to concentrate on putting myself at the top of the list instead of at the bottom. I only have 2 sessions left then the NHS closes the books on me.

Thank you, I will contact the MP and make sure all police contact is logged. I have an iphone 6 The police do not see any harassment as a so called debt collector can do anything in their eyes and as many visits as he likes can be made. By the way the police havent given me any letters, they just record what they feel like in their computer system. I was crying my eyes out there today and they just dont care we live in so much fear and just told me to pay it!!!! Harassement cant be a police case if anyone owes money they have a right to do what they want - completely illegal but police only know arrest powers and nothing after that and wont listen to the law I quote or the printed papers from the CAB. I have to say after my contact with the police its not surprising to see how women get killed by domestic situations as they just dont care even though I am registered disabled an under Mental Health services due to the previous attack in 2017. An hour or more to answer a 999 call would you believe it??? I went and visited the police station instead as that was quicker some 2 hours later. And the things you do under stress and nerves - I left my mobile at home; cant believe I was so silly but you have to walk someones's shoes to know it.

You're quite right that the debt should expire after six years – but that is from the date that payment was due. You say that there were no arrangements made in respect of it so it is difficult to say when the debt fell due – but the six years would run from that time. I had to call the police in 2013 and 2014 to help me escape my brother so the courts can have proof the debt was demanded of me in those dates by this "litigation friend" said that doesnt count, that the debt only was asked to be repaid in 2017 when I was severly attacked. I am not too far from London as dont want to give location here. The police operator can hear him bashing my door down on the telephone but still dont turn up. Its happened again today and I am totally shaking from it as never recovered from 2017 attack. I have shown the police the letter he left today handwritten to say he is returning with my brother. How do I record in secret as have no experience of these things? Please PM if its easier to say???? The police said I cant get an injunction as the man is chasing a debt!! They dont know the fear we live in.

Yes thats totally true and my husband signed a letter to say its his debt. Others are saying as we are married then the debt defaults to me!!

I know this case will sound crazy but nothing in my life has ever been straightforward, the facts are true along with the nightmare I am having over it. 1) In 2010 my brother borrowed my husband £100,000 without paperwork to invest in his business. 2) I found out about the amount in 2011 when the business was not successful. 3) in 2012 all assets were frozen by CPS due to something my husband done and suddenly my brother said to me I had to pay it. 4) All assets remain frozen today. 5) In 2017 my brother found me and tried to kill me as he has not had his money back - its no joke I have the fear and scars for life. 6) In 2018 he was found "Not Guilty" by a jury and walked out of court 7) In 2018 I was rehoused by police to a new area for my safety. In 2019 September an old man turned up at my new front door and identified as "Litigation Friend" to my brother and issued me with a Statutory Declaration or Demand (cant remember name) I filled it in and returned it and has since received several letters threatening court action. I told him go ahead with court action as there is nothing left to take that the CPS havent. I am regularly getting doorstep visits where he hammers my door down (using sticks and stones) almost weekly as he is demanding I give him the POCA order he has no rights on 9) I have made several complaints of harassment and living in fear of this man and the police are outright refusing to do anything and just told me today I am responsible for the debt!!! This man is 70 years old and no official but police say hes acting as a debt collector. How can they say I am responsible for my husbands debt? Where is the statue of limitations as I thought debts were wiped of after 6 years? I have had to move house 3 times because of this and my teenage daughter lives in fear. I am on benefits and all the police say is get a solicitor at £250-£300 an hour which I cant pay. Can anyone give me some solid advice on what I can do now - I need to stop this man turning up at my door and frightening us to hell. Really dont know how to cope much more when police are so ignorant of the law and give wrong advice. His letter today says he is returning with my brother on next visit and thats something that may be my last breath. There is suppose to be a marker on my phoneline but 999 calls take an hour for response or no response whatsoever. What can I do when I cant pay for legal advice? I have tried CAB and they dont do legal stuff anymore? All I want is to live in peace.

I was with Solarplicity and everything was fine for a few months, I started getting monthly bills saying I was using £1.30 per month which we all know is rubbish. I was paying around £45 direct debit to them a month and this was the most I had ever paid any company as very economical with usage. Solarplicity said I wasnt paying enough and put the dd up to £75 a month - I know I NEVER EVER use that amount. I said something was wrong but they kept you on the phone line for 45 mins before speaking to you so you would hang up they want £99 a month saying I still was paying enough and I strictly told them DO NOT increase my direct debit I am moving company. Even without my permission they took the £99. It took 4 months to get any bills from them and when I got a final bill they claimed I owned around £300. Now they have gone bust and sold the debt to a new company who are chasing me for the £300. I contacted the energy ombudsman but they said they cant do anything as Solarplicity are bust. I have all my complaint emails and stupid bills of £1 to £3 a month as they never processed the meter readings I gave them. Can anyone advise what my rights are now as its going to be really difficult to deal with the new company who are only after money. FYI: My new utility company want £45 a month which I find totally acceptable - definitely not £99.

@dx100uk Thank you that is really helpful, will be posting to them tomorrow.

Do I just send the paragraph on Statue Barred Debt? Sorry if its simply but I am confused. In principle, a debt cannot be enforced after 6 years from the date upon which it became due. The 6 years runs from the 'Cause of Action' and the Terms and Conditions of the contract/agreement will have a bearing on this. Once a debt has lapsed, it cannot be revived - even through a subsequent acknowledgement or payment. The relevant law is contained within the Limitation Act 1980. Are the legal rules the same for so called private debts (no paperwork) as they are for official documents debts? Thank you

I wrote a letter and told him its all fake but his litigation friend insists they have proof - a 3rd party witness, obviously someone my brother has told his lies too. They want an official reply to the Stat. Demand but I never had a penny off him. What do I do now as dont understand how to fill the SD form in? I dont have a case number for the court as not been to court yet. I said the claim is statue barred since its out of the 6 year term but they said it isnt. The only thing he will get by making me bankrupt is court fees to pay I really dont need the stress as registered disabled myself. Hes put on the SD that the loan was made in 2008 so its actually 11 years old. I have not been sent any proof of anything and they are asking for my bank statements.

Yes sorry just checked its a Statutory Demand.