Aviva fraudulently processed my data without authorisation o

[BankFodder]

On the 18th page of the document you sent me, it has your name, and address and a telephone number.

I'll those the correct details for you?

[Titchytitch]

My name and address not my phone number 

 

Which extracts are we referring to sorry im confused 

[BankFodder]

I see also on page 18 that they identify you as the caller – presumably to inform them about an accident? Can you tell us about that?

How does that run with the fact that they say they have never spoken with you

[unclebulgaria67]

We're the premium paid annually or monthly by Direct Debit ?

[Titchytitch]

I havent spoken to them as explained before aviva haven't spoken to me throughout the policy unless he has had a female friend or female voice on the phone to impersonate me to verify my details etc is my only explanation the fact the claim went to trial I have no court orders nothing sent to me 

@unclebulgaria67 he paid by direct debit 

[unclebulgaria67]

But was it one payment per year or monthly instalments ?

[Titchytitch]

@unclebulgaria67from the credit agreement statement it appears as a monthly direct debit

[BankFodder]

You asked me earlier on if I was happy with the draft letter.

I'm afraid that you are going to have to adopt a different mindset. The question is whether you are happy with it. It's going out under your name on it represents the facts as you believe them to be.

So please will you check it over and see that it addresses all the points.

I would point out that since I post up the first draft – which you accepted, you then went on to give us extra information which necessitated further edits.

You want to get into a position where it doesn't need any more edits because it gives the whole picture.

[unclebulgaria67]

so they also processed a consumer credit act agreement under your data record without your consent.

[Titchytitch]

@unclebulgaria67 yes that's right I havent consented to a credit agreement

 

@BankFodderI remembered all these points as I read the letter and mentioned them yes i willlook at the letter again thank you

[BankFodder]

Good point about the agreement. I have made a further modification to the letter.

[Titchytitch]

Yes I've read the agreement part are we going to mention the bank chargebacm and why aviva didn't challenge this ?

 

Premiums were fully paid he went and reversed this in late 2019 via a bank chargeback 

 

Apart from that I believe the draft is fine

[BankFodder]

No I don't think we need any more detail. Please will you post up the extracts which I asked for

[Titchytitch]

I'm not sure which extracts you're referring to I did ask earlier too 

[BankFodder]

Well if you have read the draft letter which I have proposed, you will see that it refers to 3 pieces of evidence.

You can't submit the letter as a complaint without giving the supporting evidence

[Titchytitch]

Ok so you're wanting an extract of the credit agreement, the conversation of how policy was set up from FOS investigation and a copy of avivas own policy

[BankFodder]

Yes of course. That is what you are relying upon in the letter isn't it

[Titchytitch]

Yes I will get the info and add it to the post thank you  will be later this evening

Edited February 20, 2022 by Titchytitch

[BankFodder]

Please post up each one of the three extracts in their separate quote boxes so that we can see that you have got exactly what is needed.

[Titchytitch]

Will do thank you 

[Manxman in exile]

I haven't read all of the draft letter yet, but can I ask if there's any particular reason why the fraudster is not identified as the OP's brother?

 

Wouldn't it look a little odd if that information came out later and the OP had never mentioned it?  Doesn't it also help to explain how this came about?  (eg the fraudster would hardly be likely to pick a victim at random).

 

Or does it potentially raise more awkward questions?

 

(Also - in the ombudsman's decision wasn't it quite clear that they had reached the conclusion - based on some evidence I presume - that Aviva had written directly to the OP so she must have known about it?  Is that covered in the letter together with an explanation as to why it's wrong?  Apologies if the letter does cover it but I've only just come back to this thread and I've no time st the moment to read it all.  It seems to have got more complicated now... )

Edited February 20, 2022 by Manxman in exile

[BankFodder]

It mentions all of that

[Titchytitch]

Is this worth mentioning and adding in as an extract as quote me happy are part of Aviva and they said insurance fraud had happened and they cancelled the policy to inception date 

Adobe Scan 20 Feb 2022 (1).pdf

[Titchytitch]

Quote me happy is part of Aviva insurance 

 

How can a sub part of their company say a policy set up in Aug 2019 was fraudulent but Aviva deny the rest

[BankFodder]

Have we seen the above letter before?