More opinions I think. The process has started to remove the Executor from the administration for other more serious reasons, and input such as your suggestion about Police Pension having it's own procedure is very helpful. SAR's are not applicable right now since I am the next of kin not the executor.

The only complaint made to to XPS was the one I sent end of November. I can't actually do more than that where the XPS/Police Pension is concerned as the executor is not willing to pursue it as of earlier this year, " he can't be bothered" but thats a whole different matter. I only brought it up as a further example of Pension - I hate to use the word corruption I really do but what else can it be described as?

It's Equiniti who administered The Prudential Pensions. I am not putting the letter up due to the extend of personal information within and the heavy redaction required as it was an estate administration.

I have an interesting one for you all to ponder. Without going into too much detail as the initial complaint has been resolved, however, in the letter apologising as a result of a complaint made to a pension company about their customer service, they stated that they would pay me the sum of £100 as way of compensation. I didn't ask for compensation but I appreciated the gesture. This was October last year. It is now May and I still have not received it. The company claims to have sent 2 cheques, neither received, yet the address is the same as the address they sent their letter to. Last month, I queried it yet again and this time they ask for bank details which I supplied. This was confirmed on 5th May that they would send it vias bacs payment. Still not received it. It is irritating me and has somewhat frustrated their apology, when they offer compensation then just simply not pay it. Can they do this? I really want to sock it to them at this point.

I just wanted to come back and update this as things changed as of this morning, for the benefit of others in the same situation really. Lloyds have agreed to the balance that was due in October and we have mutually agreed that the settlement is to be taken from the current account in full today. Credit card is now clear and november/december interest was withdrawn. Nice to have a good result and so quickly too.

Yes, regretably he does! I have written a letter just, giving them one of two options, either freeze the account as they had told three of us on three different occasions that they had or apply for a court order for the interest. I have no issues with going after them if they touch the other account, to default a deceased customer demanding payment of two missing payments is not acceptable. He is dead, how on earth are they expecting him to make good on the account? He was with Lloyds for over 50 years. I don't know what has happened to turn them into the cold soul less people that they are.

My father died in October and we informed all that needed to know, one of which was Lloyds Bank. They assured us that all accounts were frozen including the credit card, however we popped to my fathers house today to collect any mail and found this months credit card statement. They have sent a default notice and are still applying interest. I was of the understanding that interest is frozen so that Probate can be arranged to clear all debts. How are they intending on enforcing the interest payment if one party of their agreement is deceased. I can see that they have half acknowledged the information as the "Available to spend" reads Account closed where the previous month has the difference between the credit limit and amount outstanding. it just feels as though Lloyds Bank are exploiting the situation here. They know he is dead but still carrying on regardless. It feels very bad taste but given the way they have behaved over the last few years, I can't say as I am surprised, just saddened.

The letter comes from Extra Energy I researched a little after my post and it seems they got into the habit of false billing with other people.

For a number of years now Extra Energy have been sending me the odd letter stating that I owe them money. Each time I have replied back asking why and to send me proof. Never once have I received a response. It's starts again this year as usual only then I find out they are in administration. I wonder why! So as usual I reply back by email stating the same as previously, send the proof or take me to court like you keep threatening to because at least in court you can't ignore a request for information and proof. They ignored that so the next letter got the same response but I cc'd the administrators into it. No response again Today yet another letter. It is seriously getting on my nerves . It must be getting on for 6/7 years this has been going on for now. All the letters are threatening to take me to court, I have been blummin asking them to, to no avail. I got a copy of their accounts after the last letter, made for grim reading, but to be honest I am getting fed up with repeatedly being threatened to pay up or else, no response to the complaints and now the administrators are in on it too.

I have had all the email correspondence, the letters, proof of direct debit payments and crucially the default notice passed to me so no need for SAR. No not close brothers, car insurance company. I couldn't give two hoots about the debt collection company they have sent after him. They were swiftly told to get lost. I just feel that how on earth could they issue a default notice 29 days before the payment is due. Whilst I appreciate that under that particular section of the CCA they are entitled to end his insurance and give 14 days notice, but here is the thing.... The last payment was made by Direct Debit on the 7th February, I can see that on his bank statement. The 30 days notice of cancellation is actually dated 8th February. He cancels Direct Debit on same date and informs of this in the cancellation and states he will send a bacs payment to cover the remaining one month due on the 7th March. Default is dated 11th February giving him until the 25th February to reinstate his direct debit or they will cancel his insurance, bacs payment is refused as a method of payment. He sends a cheque which is in turn also returned to him. Policy is cancelled on 25th February. They apply a £50 cancellation fee and recalculate the outstanding from 8th March to 25th February. I can't see anywhere in that section of the CCA where a payment method is stipulated. In fact as far as I am aware, bacs and cheque is a valid and legal method of payment. So what gives? Despite the default notice being brought up to them many times, they won't actually answer the questions, just keep refering to their final answer and try to refer to FOS. They are absolutely adamant that they are correct in issuing default notices on accounts not in arrears.

Default notice served under Section 87 (1) of the Consumer Credit Act 1974 for an account not in arrears. Direct debit taken 7th February, notice of cancellation of policy given, direct debit cancelled, 11th February, the above received, final payment not due until 7th March. Default notice given in anticipation of non payment because they would not be able to use the direct debit to take final payment. Cheque and Bacs payment refused. All offered before the 7th March. Can't be normal to anticipate non payment and default an account not in arrears.

I was receiving mail from Virgin Media on average 2 to 3 times per week. I am registered not to receive unsolicited mailings and I got into quite a public argument with them via facebook and twitter. They are under the impression that registering stops the mail and telling Royal Mail not to deliver the letters would also work, but as I explained to them, if the mail is actually addressed to an address by law it has to be delivered. But they know this, it really is just lazy marketing. It is a loophole in the law and they are exploiting it. By not addressing it to the person registered to not receive junk mail but by addressing it to the occupier means they have met their obligations under the mailing preference. By putting an actual address on it so that Royal Mail are legally obliged to deliver it covers that loophole. You won't get anywhere with them, they are either very clever or a special kind of stupid and I am not sure which.

Tell me something I don't already know. The energy ombudsman had to remind them to send me a bill haha. Despite assurances that they would send me regular statements, I have received nothing other than an email from their collections requesting me to contact them. I had been making payments of £10.00 per week. Small amount because I wanted to drag this out. Despite the overwhelming evidence that I had against them, they merely gave the ombudsman the dates they claim they sent emailed bills. In the absence of any promised statements, I stopped paying a couple of weeks ago, now I did email the person who contacted me to ask me to contact them and warned them that I would only remind them once to honour their promise to send statement. No response. Payments have now stopped and the little list of dates they allegedly sent bills will be the evidence they now present in court when they sue me. Compared to my evidence which includes every email I have sent and received from them, they are going to look very silly. I will be counter suing them for the stress caused and the hours spent trying to resolve this with their customer service department. (I am self employed you see) I can't wait!!

Well I would love to be able to come back and say that The Co-operative sorted themselves out but I am afraid not. No customer ever should have to repeatedly ask for things to be done, whoever this Andy is, he is useless. He is clearly relying solely on what the system says despite receiving evidence that the system is wrong. He had no intention of resolving this for sure. He doesn't do what he says he is going to do, he sidetracks questions, and the best excuse was the customer service has a large backlog of complaints. You don't say! I'm guessing that it might be a sweet time to find out why?! Anybody considering The Co-operative for their supplier please don't. Their Facebook page and internet reviews are littered with the same complaint. We can't all be wrong They make me so livid!

Well the Ombudsman so far hasn't thrown the 2nd complaint back at me yet so that option is still open. After I received the last email from him, I forwarded all the contact emails that "didn't happen" including the facebook messages etc. I'm not beaten yet. I need to to be sending them an invoice you know! The hours I have spent on this has meant less time spent on what I should be doing and that my clients accounts!

I already have sent it to the Ombudsman. I originally told them the truth about when I called them to be told that they didn't supply me, it was two months after I had received the final bill from EDF, so what was going on there I just don't know. The ombudsman wrote to me telling me they couldn't investigate as it was too far back. I did say that it was actually an ongoing issue and that the phone call I made back in 2012 was the first indication that anything was wrong. Didn't make any difference so I have resubmitted the complaint using the dates from January this year and just included all of the email correspondence. From what I can see from the email is that their system holds very limited information, either through default or pure laziness. The run down of events is just plain not true, for sure.

Hmm, popped back home today to find an email. Much of the same really, alleged contact, apparently even solicitors have been in contact. I am so sick of this company treating me as if I am a special kind of stupid. I don't know how many times I have got to say it.......they have made no contact whatsoever. The email was missing so much of what did happen and contained more of what I know didn't happen.

Well I tried that, in fact I sent a text to which to be fair he responded to straight away. I kept it at text message so again proof could be kept and supplied if needed. He asked for the account number and name which I gave him and he said he would look into it the next day and would get back to me. I was talking it over with one of my clients the next morning who advised that it would be very wise to keep everything still in writing so I send him a further text stating that given the seriousness of the situation all communication to be kept in writing. No response to that message and I haven't heard anything else since. I was optimistic at first when he replied to the message straight away but unfortunately, and I am quite disappointed about this, he appears to have the same morals as the rest of his staff. I work with quite a few companies and one thing that is clear to me that good attitude starts from the top down and if it is crap at the top it filters down to be crap at the bottom and I suspect this is why several parts of the Co-operative are struggling. A few of my clients have fantastic attitudes, and when a complaint is made they really do make an effort to put it right first time.......and that is why they are successful companies.

I did that that last tuesday, no response to that either, I even have a delivery receipt through outlook for the last 3 emails so I know for a fact they have received them. I know I am not the only one, their facebook page is littered with the same complaints

I am getting so sick of this company! I changed from EDF to Co-op back in February 2012. I realised things were not going as planned when 5 months down the line I realised I hadn't had a bill. I telephoned them to be told that I wasn't with them and I needed to contact EDF, who also said I was no longer with them. I emailed both companies, asking them to confirm in writing whether the account was with them. EDF replied but Co-op didn't. I know they got the email as I received their automated "thank you for your email" blah blah. I got fed up with chasing and decided to wait. Someone somewhere will notice that they are not getting any payments and will contact me surely. Roll onto to January 2014 and I came home to a red letter threatening to break into my home. I emailed them again as I can't record calls here. Got the same auto reponse. next day still not receiving a response. So I went onto Facebook and left a sarcastic message. Shouldn't have needed to take such a drastic step but there we are. Anyway......it got their attention....but they then had to publicly admit they couldn't find the email. So a private message was sent to me, could I forward the email onto a named person in customer services and I was given an email address for this person. I forwarded it on and after a little bit of an exchange, a request for the back billing code applied to be denied stating they said they had emailed me the bills but they clearly hadn't. They apologised as clearly there is nothing wrong with my email address or postal address and rather than leaving it so long they should have realised something was wrong and sent the bills by post. I made an arrangement to pay per month and they said they would send all bills by post. Roll onto May 2014 and not a bill in sight. Nope instead they thought it would be much more professional to send a debt collectors letter to me instead. Now I have made payments as arranged. I emailed this women to which I have received no response. I sent a further email two days later stating that it would have been polite to at least acknowledge the email, again deadly silence. I have now sent this to the energy ombudsman but short of turning up at their offices, somebody please explain to me why they see this as good business practice. It just can't be normal to refuse to send bills wait some time then sent threatening letters. I have no words to describe how inadequate I find this company. I just can't see what else I can do. I have kept all copies of the emails right back to 2012 to prove contact.

That's probably why I can't find much information on them if they are name changing. The only thing I know about Payday UK is the tv advert but as before I haven't used them either, I am not employed in the sense they require and in any case as a book keeper I would be very foolish to use them. It really irritates me that I have to be dragged into things like this. I will probably send a complaint to FOS if I don't hear from them in the next 7 days. But if CRA mess me about I may start billing for my time...........

Well nothing on my credit file (Have checked all 3) and I have merely replied to their email stating I don't not owe Month End Money any money and in any case who are they? And that's all I should need to do I am not expecting a reply, but I would like to know where they got my name and email address from. If they do come back and make any demands I shall ignore them and let it run and hope they carry out any threats of court action. It will cost them more than it will me.

Yep, am doing right now, I was logged into all of my online credit reference accounts on the 3rd July and didn't see anything then. I wonder if Credit Resource are confused.......

No. I'm self employed so couldn't use them even if I wanted to.

Just found an email addressed to me by name stating that I owe a sum of £150 to Month End Money. The email comes from Credit Resource Solutions, but who on earth is Month End Money? I have no idea who they are. Abit concerned about this if I'm honest. I would have treated it as spam except it is addressed directly to me. Anybody know who they are?