Ive had a letter from them (Last one was in 2009) and a blocked text message chasing an Abbey debt from 1992!

Thanks Uncle B, its a bit concerning that they have no processes in place to audit this, i work in IT (huge organisation) and we can check everything as we are audited on a very regular basis. I may just send them the SAR to give them something to do

Hi all, Admiral have investigated this issue on my request, i asked them to provide me with certain information to prove that they had sent the email and letter they state were sent. I asked them to; 1 - Provide proof that the email was sent (screenshot of sent email time/date would suffice) 2 - Provide proof that the letter was sent (asked for date/time of batch process etc) Their final response to my questions were; 1 - They had spoken to their IT department and they stated that they have had no issues with their systems and that they could see no reason why their customers would not receive an email 2 - They send letters to their 'letter printing company' in huge batches (25,000) in one go, so cannot track what has been printed or sent and they cannot provide me with any batch process information. I did also ask for copies of the phantom email and letter, to which they have sent me their SAR form to complete, also requesting a utility bill and a copy of passport or driving license to 'validate' who i am!! surely they were already happy with this when they sent me the default notification!! They have also stated that if i am not happy with their investigation to contact the financial omdubsman On a brighter note, she stated that this would not have been reported to any credit reference agencies, this would only have happened if i had cancelled the policy and then not paid the premium after 3 months. So, should i complain to the ombudsman stating that they have not provided any proof that these communications were sent and their reluctance to provide me with this proof? Or do i complain to the ICO that they have sent my personal data to 'somewhere' but will not provide the evidence that would make me more comfortable that they they are processing my data correctly?? Thanks again

Hi dacouc, That was the first place i checked. Because i get all my renewal emails and other guff all goes straight to my inbox i have never bothered checking for spam, however today i trawled through over 800 spam emails and not one from Admiral in there! i have however today received 2 from them, one inviting me to put my 7 year old son on my car insurance!? and another wishing me happy birthday an hour after they took £250 off me.....! Thanks

Hi Uncle B Thanks for the reply. When i called customer service all they said was that the system says an email and letter had been sent to me on the 28/03/2014 informing me of the DD issue and i failed to respond. I have sent a complaint to them asking why i have received all other emails ( i listed them to cross reference) except this important one, i also explained that i found it really strange that i didnt get one or the other. I have asked them to look in to this and to check if there has either been a system error or a human process error. I will await their response before going further and asking for the email and letter contents. I'm more bothered about my credit rating as i know a default can cause a huge impact on it Thanks again

Hi All I have car insurance with admiral and pay it monthly by direct debit. I received a default letter from Admiral this morning stating that they had communicated with me last month and that i have ignored this communication, so am in breach of my credit agreement and require full payment. I called their customer service and was advised that both an email and hard copy letter were sent to me the previous month stating the bank had rejected their direct debit. i advised them that i had not received either the email ( which i keep all of) or letter, the customer service rep basically said that their system says sent, so i MUST have received them. Now i find it strange that i never got one or the other about this and advised the customer service rep that had i known about this i would have contacted them straight away, he stated that it was not Admiral's problem. Now, after investigation it looks like the better half had cancelled the incorrect direct debit! I contacted them again and paid the outstanding balance as per their request. i have 2 questons here; 1 - what impact is this default going to have on my credit rating?? it was 999 last time i checked (not registered anymore) 2 - should i chase them to find out what happened with regards to the phantom email and letter....i have still received their sales emails no problem (this makes me suspicious of their claim they sent one to me) i even got one wishing me happy birthday this afternoon!! Sorry for the rambling post, just really annoyed at the moment Thanks in advance

Hi Ladyinbarnet, You are not alone, your experience more or less mirrors mine, mine goes; 19th December - Heating and hot water goes off - phone call made to SP home care, appointment for 20th made 20th December - Engineer from Carillion turns up, says 3 parts needed, asked when the parts would arrive, engineer stated 'at the best 23rdDecember, but they wont be fitted before xmas'. I call SP, telephone monkey (Mary) states this is not right and she will contact Carillion and chase and contact me back. 21st December - Lunch time and no call from 'Mary', i call SP and speak to a nice gentleman who tells me he will email her and get her to contact me. 10 minutes later i get a call from the nice gentleman to state that he emailed Mary, but had an out of office notice stating on holiday until the new year!? he states he will chase for me. 23rd December - No calls from SP, so contact my home insurance emergency breakdown, they have an engineer out that afternoon who makes an emergency repair to boiler (i could have heating or hot water, not both), so with heating back on i call SP and ask when they are coming to fit the new parts, they state parts are in, would the 28th be ok! i tell them no and that there T&C state in an emergency (no heating or hot water) the will fix on a weekend or public holiday, i tell them i'm in all day xmas day, nervous chuckle from SP 28th December - After returning from a few hours out of the house, i find a card on my door mat stating enginner been, but your not in....I call the number on the card and have a heated chat with regards to the engineer turning up when i had said 28th not good, they say contact SP. I call SP and ask to be put through to the complaints dept, after being passed from piller to post for 40 minutes i speak to a very arrogant gentleman from the complaints dept, he asks what the issue is, i explain again for the 10th time (do they not record anything!?) he then states 'how do you know the engineer was there to fix your boiler?' i state 'because i called them before you' he then starts huffing and puffing down the phone, i then tell him that i have the heating working via my home insurance, but parts are still needed, he then states 'nobody told you to' i then let rip at him about how cold my 4 year old had been and that i shouldnt have to get someone else out to fix it when i pay SP. he then states 'i never meant it like that' really....Appointment is booked for the next day, engineer will call me to let me know time of visit 29th December - 16.00 hrs the engineer finally turns up, he goes in to the garage for around an hour, then knocks on my door stating, they cant repair my boiler as wrong parts have been ordered (can you see the pattern), i tell him in no uncertain terms he does not leave my property until the heating is in the same state he found it, i.e. heating on, he says he dont think he can, i pull my 4x4 across the drive so he cant move his van........another hour later my heating is back on. 4th January - a message on my answer machine from 'Mary' with a limp appology stating the parts have been order and blah blah blah 4th January - i get a call from my home insurance engineer asking if he can fit the parts! yes please 2 hours later i have heating and hot water on, thank you Coziwarm 8th December - i get a call from a lovely woman from SP who thought the best way to deal with a complaining customer like me is to constantly speak over me, that didnt work, i explain that i have wasted enough of my time on SP, if they want to fit these parts then they will have to do it in their own time and not mine, i gave them the choice of either saturday or sunday between 1900 - 2100 hrs, she states 'we cant do that, the stores will be closed' 'so what' says i, i tell her 'if you want to do it monday to friday i will invoice SP for my time' 'we wont accept that' she states, 'goodbye' says i. To date i still have not had any contact, i have told them as far as i am conerned they are in breach of contract. I now also cannot enter any online info, like meter readings etc as it looks like my acount has been restricted, although i do have nearly £700 in credit. I have an open complaint with SP although it states that it was last updated on the 22nd December, so all the calls etc have not been added to it Ladyinbarnet have a check of your insurance to see if you have cover, not good i know but if it gets you back up and running...

Hi, As already said in the post above, BMW will not admit anything, you could have a look at some BMW forums, E46 and bimmer to name a few and see what some say about it, it has been known for BMW to offer something if the car has full BMW service history etc and under a certain mileage...cant remember what it is though..good luck with your problem and sorry i cant be of anymore help Dom

Hi HB, We are going ahead with the agreement now to bring closure to this, its costing them a lot more than she would have got if they had paid at the beginning and i also got a reference from them, so although we never had our day in court to humiliate these idiots, we are still looking at it as a win..... Also, speaking with another staff member employed by these people, she stated 'we have been told that we don't get any paid holidays'! so these bottom dwellers have not learnt!! i told her if she wanted me to write a letter i would, although she wants to keep her job, but will use it if needed in the future.......some people just don't learn.

Ive just spoken with ACAS as i have had 2 letters from the tribunal that puts us in a very good position over the respondent, ACAS have said that because i have accepted their offer, although nothing is in writing or signed that we now cannot pul out of this, is this correct? She emailed me a draft of what she was going to put in the COT3 but i rejected part of it. Any help greatly apreciated

Well, it seems after the respondent took 'advice' the deal is back on, so much so as they are being very negotiable! must have been told they don't stand a chance at ET, although they are trying to negotiate things like 'claimant is not allowed to speak to anyone about no employment contract being supplied' and 'not allowed in to any of their venues', i told them she will talk to whoever about whatever she wants and they will not restrict where she goes, if they want to bar her, they can do it verbally, they don't need a contract........idiots!

Ah well, it was good while it lasted, ACAS have just told me they have pulled the offer and put a new offer of £175, he states that they have taken advice about the holiday pay and that a court would only offer the last years holiday pay and not the 16 months i was chasing, i told him to tell them that i have also taken advice and that because they failed to provide a contract of employment then we may also get a months wage for that, i told him to tell them that it was £450 or tribunal, no more dialogue would be entered in to. I have also sent an email to the tribunal asking for the cctv dvd to be struck out as they have still not supplied one after the judge asked them gor an explanation 4 weeks ago

This is what we did, not only did they withhold wages, but unpaid holidays were dug up as well, what should have been wages of £70, has changed into an offer of £457, so it is worth setting a benchmark with the ET1

Thanks for that sidewinder and a big thank you to all who have helped over the past few months, hopefully with all i have learnt i can pass on through these boards

Just an update, i have had an offer from the respondent and my family friend has accepted this, it's for £451, she says that she wants to draw a line under this now and move on:| she has started a new job a couple of weeks ago, so wants this over..........it's a pity she has not had her day in court because i think we would have wiped the floor with them, but if she's happy, then so am i. Now to rock the boat with regards to the SAR...