Lloyds recently blocked my account for 7 days, first saying this was due to fraud investigation, but then formally confessing that was due to bank's "processing error". The block caused enourmous problems for me, resulted in declined direct debits, canceled meetings (I just did not have cash (!) as this is my primary bank account), simply ruined my plans and caused unnecessary stress. All this time they kept saying we do not know when your account will be opened. I beleive the Bank should be accountable for the damage it caused me and my family. They offered ridiculous compensation for this which is not worth the emotional stress that I had to go through. Does anyone have any suggestions on how should I take the matter forward? Thanks Charlie

Hi All I was looking for the template SAR so I could send one to Capital One but after searching the site when I clicked the link I got an error saying I didn't have sufficient access - can anybody advise where I can get a template a user can access? Many thanks

I was contacted on 13th October by Experian who informed me that they suspect an imposter had applied on-line to view my credit file. After a long discussion with their helpdesk I find out that the fraudster answered 2x security questions incorrectly but was still granted access to my full credit file. One of these questions was my DOB - REALLY !!!! I can not believe that full access was granted even though something as fundamental as my DOB was wrong !!! This individual has subsequently gone on to apply for credit and purchase items from many telecom suppliers, some on my account, including EE, Vodafone, Carphone Warehouse and O2. My Vodafone bill is currently over £1500, (Normally £16.00). Yesterday I was told that Apple Online had delivered £1200 worth of goods to my address and it was likely intercepted by the culprit before the delivery man made it to my door!! John Lewis is another store where a Credit card has been applied for in my name !! The effort and time involved in resolving this situation is huge, not to mention the stress and worry whilst the criminal aspect of the situation is dealt with. My credit worthiness will no doubt suffer as a result of this Although I can not hold Experian fully responsible for the actions of this "low life", I do feel they are responsible for giving him easy access to my details. What is the point of having security questions in the first place ????? I have sent an email complaint to Experian but heard nothing yet. I would appreciate any advice you can give regarding how best to deal with my stressful situation. Thanks in advance Nick

Hello I just need some advice please I am currently in receipt of jsa. I have now been given one of those job workbook things and on chatting to the advicer he said that i have noticed that you dont allow ujm acess. He explained it was easier for me and them I explained that i was happy to show info print out every fortnight. This is the bit now i am not sure about he said the he needs to se my cv so i said iwill print it out. He said that if i dont give access I would have to log in to my account from the jobcentre to show him. I was not sure if this was correct do i have to use dwp computers at all my feeling was he was lying can any one advice please Thank you g

Hi, Hope this is the correct place to post. I am unable to access the library section despite having accessed it many times before . It is saying i don't have permission , can anyone point me in the right direction please. Andy

House of Lords votes against Grayling’s plans to restrict judicial review access The justice secretary, Chris Grayling, has suffered a defeat in a key House of Lords vote on his plans to curtail access to judicial review, which would have made it harder to challenge government decisions in court. More Here: http://www.theguardian.com/politics/2014/oct/27/house-of-lords-defeat-chris-grayling-judicial-review-plan?CMP=twt_gu

Hello I am new here, and trying to work out how to go about rebuilding a garden wall that was blown down last winter. Finally managed to get a straight answer from my local city council about what plans they need, but a design and access statement? Who from? I have read the guidelines but they seem rather excessive as they refer to developments and changes to buildings which this is not. Yes, we live in a conservation area, the house is listed, but the wall is not. So we do not need listed building planning for it, or so we are told by the city council, having been previously told that we do!! We started this rigamarole months ago, when, having got a builder in to give us an estimate, we realised that we would have to build the wall slightly differently because it has a tree with a TPO in our garden, next to the wall, so the wall will have to make room for it. We had an arboriculturalists report done on the tree, which gave precise descriptions of what would be needed for the tree and the wall. At this point the owner of the house next door (it is let to someone else, she does not live there) then decided to go for permission to cut the tree down. After a frustrating and wasted three months, the tree still stands. So...tearing our hair out, we are now facing a lot more cost - we think, if we do have to go the route of a design and access statement. We cannot get any sense out of the City council planning people, they just refer us to the guidelines on line, which tell us little that is helpful about who does these statements, and if it is really necessary anyway for a replacement garden wall!!! We put in a claim to have the wall rebuilt, back at the beginning of the year, and got some of the money from the insurers, but had to stop the process because of all the fuss about the tree, and now we are not sure if we can go ahead, or if it will cost us even more. Please...anyone? Any help very gratefully accepted.

Hello, I am new here as you can see, I am not sure where to post this question. My ex partner and I are members of the same credit union, about a week ago he contacted them making a claim that I had accessed his account and transferred money from his account into mine (apparently done a year ago) the credit union has reimbursed funds to him from my account and have extended my credit to pay him back. I was told previous to this I could not obtain a top-up loan until I had paid the current loan back in full, so how is it possible they were able to 'loan' me more money so-to-speak. I knew nothing of their activities until I logged into my account. I was never informed by any means, no text, phone call, email or snail mail, no forms or loan agreements were sent to me either. My question is; do they have the right to do this without my permission just on the say-so of another member? Thanks in advance for any advice.

Sorry guys but here is yet more of our civil liberties, human rights being taken for the crime of being sick, disabled and unemployed. When is this unjustice going to stop? "In today’s scary news, it has emerged that the DWP are claiming the right to enter the home of people in receipt of a variety of benefits, demand to see their ID and financial documents, and interrogate them for an hour or more. All without prior warning."..................more @ http://glynismillward189.wordpress.com/2014/06/18/dwp-demand-access-to-your-home-documents/ Is this the british values david talks of?

Hello, My landlord has informed me that Npower will be attending some time next week to fit a prepayment meter. However, where the current meter is, I have no access to. I live in a farmhouse ajacent to a farm and the meter is in a buildiing on the actual farm (which doesnt belong to me) which is on private ground an has a gate with a lock on it. How am I supposed to access it to put credit on it? Are they allowed to do this? Can I request that the meter be moved to the house? Thanks.

I have been fighting with Chandlers about oustanding CTAX that is owed, We have never granted them access to the property but now a Bailiff is claiming he is getting a warrant to force entry on monday to remove goods, can he do this or is this just scare mongering? Have spoke to Bexley council and they have said once its handed to bailiffs there is nothing they can do despite the fact we never received any warnings our account was in arrears, the first we knew we had Bailiffs at the door, and they have refused any sort of payment other than full payment, Any advise would be appreciated Regards Kieron

a family member is very ill in hospital and is sedated and unable to respond, but there partner needs to gain access to bank account as they need money for general things, they are married and they have been in with a hospital letter headed document to say about this family member being ill, but bank have now stopped everything on account and there partner has nothing to help them with money. Ive been in with them with marriage certificate and hospital document but still they refuse, I'm at a loss as to what to do any help please

Hello, I am new to CAG and would very much appreciate some advice. I have an issue with Prudential Assurance Company Ltd. I wish to obtain details relating to my late husband's life assurance policy that was claimed in 1970. The information is required for evidence purposes in a legal action against a third party who made the claim on my behalf but kept the money for his own use. I have only recently learned of the facts. I have provided proof to Prudential of the existence of the policy. Prudential initially responded by saying: "Unfortunately, due to the time that has lapsed since the claim was made we would not hold any records or documentation in our archived records." I know of others who have recovered old policy information, so I felt that Prudential was just fobbing me off. After some persistence, the insurer confirmed the following information: * They hold personal data on customers and clients that extends to the 1950s, 60s and 70s. * They maintain records on customers and clients for policies which have not been claimed or with a monetary value. * For policies which have already been claimed, they continue to maintain records for a further seven years, after which those records are purged with only limited information kept that includes policy number and brief details of any claim paid on the policy. Prudential have insisted that I provide them with a policy number to carry out a search of their records; but I don't have one. The insurer will not confirm whether it is a primary or mandatory requirement to have a policy number in order to undertake a search of their records - whether they be electronic, manual or on microfiche and decades old. I have asked Prudential to provide me with the following information, based on the information already supplied above. * What other limited information is kept on customers and clients in addition to policy number and details of the claim? Please provide me with a list of all that is kept. * Confirm the existence of manual and/or microfiche records and that these have been searched. * Is a policy number a mandatory requirement for carrying out searches of the records? In addition to the above, I have asked Prudential to supply me with... 1) ...a copy of the statement referred to on page 14 (part 2, section 4(I), Historical Data) of the 'Code of Practice for Tracing Employers' Liability Insurance Policies'. 2) ...a copy of the written policy referred to in the 'Insurance: Conduct of Business sourcebook' (ICOBS) section 8.4.15, that requires insurers to put in place a written policy of compliance in conducting effective searches for historical policies. The written policies are required to assist me in making properly informed determinations in respect of the availability of the policy information I have requested from Prudential. I believe the firm is withholding data I am legally entitled to have; but they wont carry out an effective search for the data. To this end, I need to check the firms tracing policies to be satisfied that Prudential is meeting its obligations and regulatory requirements. Prudential responded by closing down my case file without resolving matters, referring me instead to the Financial Ombudsman Service. But I have used FOS several times and found it to be a dysfunctional and impotent organisation - as has been noted many times on this forum. Furthermore, FOS has made it clear to me that they do not have powers to compel a firm to hand over documentation if the firm chooses not to. The only organisation with such statutory powers is the Financial Conduct Authority (FCA), and I am currently awaiting a response from them on the matter. The FCA did advise however that they are bound by certain confidentiality restrictions within the Financial Services & Markets Act (FSMA) that prohibit them from disclosing whether or not they are investigating my concerns. The Data Protection Act section 33(3) is clear about permitting retention of personal data beyond prescribed minimum time limits. There is no maximum time limit on the retention of personal data. The said act permits retention of personal data indefinitely if a firm chooses to do so. How long data is kept for, or extends to, and the manner in which it can be searched, is a matter of company policy - the very documentation the firm is withholding. What, if any, court action can I take to obtain the information I need from Prudential in relation to my late husband's life policy? Essentially, the only information I need is: the date the policy started; the date it was claimed; and how much was claimed. Appreciate your help.

Morning all, I have a quick question about an SAR I sent to Satans bank. They have responded to my SAR by sending a 'letter of permission' It says: Dear Sirs, This letter is to give my permission for Satans bank to send me the data they have compiled in response to my recent Data Subject Access Request They have even put a little 'please sign here' post it between yours faithfully and my name :!: (thanks santy, wouldn't have worked that out for myself) Is this normal or are they after my signature as I always thought this was not required for a SAR? I have already lift proofed it, just after your thoughts before I send it Many thanks Up2

my husband is a hgv driver and has just received a letter from a council saying he drove down a road in his truck and didn't stop in that road. he works for an agency and hes phoned the firm up that he was working for and they wont give him any information apart from confirming he was driving that day. hes got 14 days to return the form to the council. he cant recall going through a sign but might have is it normal for the council to send these letters and not the police? the letter says if he dosnt return it in 14 days they will pass it onto the police who will take a statement. what does access mean in this case? is it access to that road? next street or what? could he say he was going to a shop but there was no place to park so carried on? thanks for your help

just a quick question. I have seen many posts advising that letters be sent removing this right. I know it doesn't affect court appointed officials, as some might believe( FOTL), but what does it actually mean? I ask because there are many houses where the door of the property opens directly onto the pavement. Does this mean that anybody can knock on the door irrespective of the letter being sent or can you place a notice on the property?:

can't post links so search the forum for Debt-Threats-a-quick-self-help-guide all of the links for the letters involved tell me I don't have permission to view them. Anyone shed any light on this? Being mercilessly hounded for a debt I don't think I owe.

I have a small driveway down a narrow road and in between each driveways along the road there are council parking bays, but a few months ago the council extended one of the bays right next to my bay so that it allows a car to park half way across my driveway !! it really is so difficult now to get in and out of my driveway sometimes impossible, this is not legal is it ? I have called the council and they have said that they will come and have a look, but when they will come is the question as they wont give me a date or time, and when they do finally come out and have a look I will still have to wait for them to make a decision then to get it corrected this could take months knowing the council. Does anyone know if there is any other company that I can contact about this to maybe speed up the process ?

Hello there! I'm new to this forum and would really appreciate some advice as I have exhausted Google/CAB! My ex employer is a massive public sector organisation. I am currently in the process of taking them to the Employment Tribunal. I won't go into too much detail about that for now as I think I've got it all in hand. Anywho, I made a SAR to my ex employer back in July for some of my HR record as it was necessary for my ET case. After a seven week delay (thats seven weeks AFTER the 40 day time limit) I finally received some of the information I had requested. I believe my complaint to the ICO gave them a kick up the bum. Fortunately the day before receiving the SAR, the legal department at my ex employer sent me a copy of the information I had requested, so I now had two copies of the same document. When I compared both documents, it was clear that the Data Controller who sent me the SAR had redacted ALOT of information. The information they had redacted was not in relation to a third party, but information that supports my ET claim!!! They have also redacted any reference to an email that I had requested, that was attached to this document (this email supports my ET claim massively). Needless to say, they haven't sent me this email. I immediately phoned the Data Controller and spoke to one of the advisors and the manager who both seemed extremely uncomfortable and eager to end the conversation. I have furthered my complaint with the ICO, who have passed this on to a specialist department. Is someone able to tell me what I can do about this?! Is this not akin to attempting to pervert the course of justice?? I have a case management discussion next week, should this be brought up?? I'm unsure as it wasn't actually the legal department who tried to cover this information up, but still technically the Respondent did... I am livid and will now doubt any documents I am sent by the Respondent in future! I apologise is some of this doesn't make sense, my toddler is currently trying to use me as a climbing frame!!! Any advice very much appreciated!!

here we go again Is there a template that I can print out to get information from the council regarding your council tax and rent rebate for the last 2/3 years If (and it should) this SAR picks up incompliance from approx. 12 months ago that cost someone there council tax and rent rebate not being paid for several months can the person reclaim it or is it now to late

Hi, new user here. I have an ongoing dispute with Aktiv Kapital over an MBNA card and would like to check the application form they sent me, but I can't access them in the library. Is there any reason for this. Thanks Fallman

I'm currently going through a rough time with my Landlord (LL). I've had to resort to getting the local council to force her to do work on my property. As part of this they arranged in writing for my LL, her husband and a builder to look around. On the day she turns up with her daughter in tow, I say she can't come in as I was not notified about her visiting. She forces her way in and wont leave despite repeated requests to do so. I call the Police who advise that its a civil matter as they'd be unable to unpick who had what rights on the spot. So: Is that trespass? She's only the daughter with no role in the repair or business in relation to my property and was just there to gawp and sneer. I asked many times for her to vacate. Now my LL has a right to look the place over, she can have her husband as support and the builder will be doing the work so I have no issue with that. What might be my rights here?

Can you send a dealer a SAR asking for all information with regards to vehicle you bought from them brand new? Actually in this case the vehicle is a caravan suffering from damp and we want to find out if they carried out a damp test at the previous service in November last year plus we need to know some other information regarding the caravan.

Hello everyone, I'm new on the forum although I have been reading here for some time, I am hoping somebody could give me some advice on some issues I am having with my landlord. I am a Housing Association Tenant with an assured tenancy. In May of this year the roof began leaking water into the flats above me and then into the electrical cupboard which is adjacent to my flat. This issue was reported but nothing was done until I made a complaint regarding the matter and then two months later a scaffolding appeared and we were informed that the problem had been fixed. However, following some days of heavy rain in August the roof began leaking again and this time came through into my flat, ruining my carpet, a rug and the paintwork on the walls (all of which are my personal property). I made a complaint regarding this matter and in the mean time I consulted a solicitor, who advised that I should disregard their complaints procedure and write to their chief executive and asking him to provide compensation for the damage. However, my landlord has responded to my complaint by saying that I should claim on my own contents insurance (which I do not have) and but if I do not have contents insurance I must submit a claim to my their insurers accompanied by quotes for replacements and they may consider my claim. I would just like to get peoples opinions on whether I should play ball with the insurers or whether I should contact the CEO as per the solicitors advice. Also my second question is, am I entitled to refuse access to one of my landlords agents? I do not wish to deny my landlord (the Association) access but there is just one of their employees that I am not comfortable dealing with due to their past conduct and attitude towards me and I just do not want them either in my home or contacting me. How does the law stand on this matter? I would like to thank everybody in advance for taking the time to read/respond to my thread.

Hi I only found out via news reports earlier this year about the Liverpool Care Pathway. My mother died in 2009 and I now believe she was put on this Pathway, although we were not informed and our permission was not asked. Having looked into this a little I believe our permission HAD to be granted and the hospital acted unlawfully. Other things also occured and I want to see what has been recorded about this as I believe a couple of things are suspicious. I have put in a SAR and FOI request to the hospital. I originally asked all my questions under the FOI and was told by the hospital they could only answer some questions under that, if I wanted to get a copy of my mother's hospital records I needed to put in a SAR. I emailed the hospital back and they said they would pass this onto the Records Department. Today I received an email stating the following (I copied and pasted it) There is no Will, Probate or Letters of Administration because my mother did not leave any money. Do I legally have to provide the Letters of Administration before they will answer this request? I looked into getting these LOA and it is a bit daunting, you have to go to the Probate Office, there isn't one near me, but I also suffer from severe agoraphobia so I would struggle to go in any instance. Thank you Edit actually, looking at the third point, if I say this presumably they will provide the information?