PPI Reclaiming discussion Part III

di3004

Andylad wrote: »

Hi, I'm going to try and reclaim mis-sold PPI on my Nan's behalf and was wondering whether anyone can advise me. Basically, my Nan took out a loan in her name with Lloyds TSB back in 2001 so that her and my Grandad could buy a car. The banked opened the loan in my Nan's name as they couldn't do it in joint names at the time due to some error at the bank. The bank told my Nan that she had to take out PPI on this loan (payable to Scottish Widows) to which she agreed.


In 2004, my Grandad had an operation on his leg and therefore could no longer work. They both went back to the bank to tell them of their new circumstances and re-financed the loan to lower the monthly payments. A new PPI was taken out with the new loan but the bank refused to cancel the Scottish Widows DD (for the old loan). They told my Nan & Grandad that they must still continue to pay this (even though my Nan argued this was for the old loan). The bank just kept saying it was in their interest that they kept paying the Scottish Widows Policy despite them paying for a new PPI for the refinanced loan.


The new loan was in joint names and the bank advised my Nan & Grandad that they then would both be covered by the PPI. Sadly, my Grandad died in September 2008 to cancer and so my Nan informed the bank of this and shortly after, she received a letter in October to say the loan was covered by insurance and would be repaid. A week or so later another letter arrived to inform them that only my Nan was covered by insurance being the first named person on the loan agreement.


I have looked at all the paperwork my Nan has given me and it does state that only my Nan was covered but I'm just a bit angry the way the PPI was sold. Can anyone advise how I can go about claiming back the PPI on the old and refinanced loan.


Many thanks,
Andy

Andy as promised on my above post, I have read this and sorry to hear of the sad loss of your grand-dad, you must all be devastated, I can understand that of course and now your poor nan has this to deal with.

I would certainly write a letter of complaint to them for the way this has been dealt with.

If you don't mind me asking, do you know the age of your grand-parents of when the loan was taken out?
This is to make sure they would have been covered, this should state in the terms and conditions of the loan policy.
Do your nan still have these?

There are some exclusions of why some would not have been covered for the PPI, so it would be worth checking them out.

Start by writing a letter to them (complaints dept) and say how unfair this is.

Then also send a letter to the same department of a separate letter to reclaim on the PPI, here is a link here to check this out and if any of that accurs to your nan, then I would certainly try to reclaim on it and complain.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

This is useful and there is also a template letter on there to guide you, but add as much info as possible to back your nan's case here.

They have 8 weeks to respond in full, if unsuccessful they do tend to give another chance to write to them again for them to reconsider.
But until you receive the final response, this is the letter where they should confirm the Financial ombudsman service(FOS) with a leaflet of these also enclosed.

Post by recorded delivery.

On any complaint its 8 weeks before it goes to the FOS, but if you keep us posted, we will be happy to help step by step.

We wish you luck and I have some issues with these as well, but I do hope your nan gets more luck with these.

Andy, just post up anytime for help.;)
And again I am so sorry to hear of your sad news and my thoughts are with you and your nan.

Di
x

di3004

Andy here I have an address for you on the PPI matter:

Lloyds PPI
Customer Care
Lloyds TSB Insurance
Tredegar Park
Newport
South Wales
NP10 8SB
Tel 0845 3005599
Fax 01633 468835

di3004

Also Andy

If you have not the terms of these for 2001 and 2004, they should be able to supply these for you hopefully free of charge or someone who had loans for that time may post up and supply the t&c's for you, another way is to request a SAR known as a subject access request, where they will send you all the info they have on your nan, but there is a £10 charge for this, although there should be PPI info enclosed as well.

Here is the SAR template if you require more information, they have 40 days to comply to this, but they will only go back as far as 6 years in supplying the information, yet I was lucky to receive some docs going back as far as 2001, this is up to you if you want to request this but here is the template for this anyway which should be sent to Lloyds data dept.;)

SUBJECT ACCESS REQUEST

Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.


I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours Sincerely

di3004

A quick guide link to LLoyds TSB PPI policy, any probs opening this let me know.;)

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/127186-ltsb-ppi-insurer-details.html

Edited to come back in just in case anyone has prbs opening the above link, so I have copied and pasted it here below:

A quick guide to
Payment Protection Cover

1 Payment Protection

Lloyds TSB Payment Protection
Cover policy summary

This is a summary of the policy and does not contain the full terms and conditions
of the cover which can be found in the policy document. It is important that you
read the policy carefully.

What is Payment Protection Cover insurance?

Payment Protection Cover insurance, which is optional and not a condition of taking out
a credit card, may enable you to meet your monthly credit card repayment in the event of
your unemployment (this includes cover in the event that you need to become a carer
for an immediate member of your family), accident or sickness. It may also provide you
with life cover and hospitalisation cover.

Who are the insurers?

The insurers of this policy trade as Norwich Union and are:
• London & Edinburgh Insurance Company Limited for accident or sickness, unemployment
(including carer) and hospitalisation cover.
• Norwich Union Life & Pensions Limited for life cover.

Are you eligible for Payment Protection Cover insurance?

You are eligible if on the date that you open your credit card account you:
• are aged 18 or over but under 75.
• live in the United Kingdom, the Channel Islands or the Isle of Man, and
• are the first named holder of a credit card account.

Policy summary

What are the significant features and benefits of Payment Protection Cover insurance?

• This policy will pay a monthly benefit equal to 5% of your outstanding balance on your
Lloyds TSB credit card account. The outstanding balance will be the amount you owe
on your account (less any arrears) on the date you are unable to work due to accident
or sickness, or the date you are first aware of unemployment or you know you will have
to become a carer or the date you know that you are going into hospital. If you die,
it will repay your outstanding balance.
The benefit you will receive if you make a claim will depend on your age, whether you are
working or not and, if you are, how many hours per week you work. The table below
summarises your cover in different situations.

*Please note – The policy is designed to provide unemployment cover to customers who are employed on a
permanent basis for 16 hours or more per week. However there are some additional circumstances where
we will provide unemployment cover.
If you are self-employed or work on a fixed-term contract you should read the policy to make sure it is
suitable for your needs – you should pay particular attention to the ‘Employment Circumstances’,
Unemployment Cover’ and ‘Things to Keep in Mind When Claiming’ sections.

What happens if my circumstances change?

Your eligibility for cover under this policy may change if your circumstances change,
for example if you retire from work, voluntarily reduce your hours to less than 16 per week
or leave the UK to live abroad. If this happens or is likely to happen you should discuss
this with us on 01903 230599. Lines are open 8am to 6pm Monday to Friday and
9am to 12.30pm on Saturdays.

Payment Protection

Payment Protection 2

Unemployment
(including carer)
cover

Positive Job
Solutions

Accident or
Sickness cover

Hospitalisation
cover

Life cover

7

3 7 3 3

7

3 3 7 3

If at time of claim you are:

Aged 18-64 and work for
16 hours or more per week*
Aged 18-64 and work less
than 16 hours per week
Aged 65 but under age 75,
or under 65 and do not work
The first named additional
cardholder aged under 65

3

3 3 7 3

7

7 7 7 3

Payment Protection

Summary of benefits and features
Accident or Sickness cover or Unemployment (including Carer) cover

If you are unable to work because of an accident or sickness, are unemployed or need to
become a carer for an immediate member of your family for more than 15 days in a row:
• We will then pay one monthly benefit.
• If you continue to be off work for a further 45 days, we will then pay another monthly
benefit.
• Further monthly benefits will be made for every further full month you are unable to
work for up to 11 monthly benefit payments.
• A 12th and final payment will be made if you remain unable to work for a further full
month after your 11th payment. This payment will be equal to the remainder of your
outstanding balance on the date you were unable to work due to accident or sickness
or the date you knew you would become unemployed or would become a carer.

Life cover

If you die we will pay the outstanding balance at the date of your death up to a maximum
of £20,000 for each of your accounts insured by us. This cover is also provided for the
first named additional cardholder provided they are aged 18 years or over and under 65
throughout the term of your policy and they live in the UK.

Hospitalisation cover

If you are in hospital for more than 5 days in a row:
• We will then pay one monthly benefit.
• Further monthly benefits will be made for every further full month you remain
in hospital for up to 11 monthly benefit payments.
• A 12th and final payment will be made if you remain in hospital for a further full
month after your 11th payment. This payment will be equal to the remainder of
your outstanding balance on the date you knew you were going into hospital.

Positive Job Solutions

You, and any member of your family who lives with you, will have access to a
confidential and independent telephone advice service to help you return to work.
This service is arranged by Lloyds TSB Insurance and provided by PMA Limited.

Back to Work

You will also receive details of our ‘Back to Work’ service if you are off work due to
an accident or sickness. This provides independent confidential advice and guidance to
help you return to work.

3 Payment Protection

Payment Protection

Self-employed workers

If you are self-employed you will be entitled to claim for unemployment if you have
involuntarily ceased trading because you could not find enough work to meet all your
reasonable business and living expenses and have declared this to HM Revenue
and Customs.

Payment in lieu of notice

If you receive payment in lieu of notice, your unemployment claim will start when you have
registered as unemployed after the date your notice period ends.

What am I not covered for?

The policy excludes some situations. These generally involve anything you already know
about or that is caused by illegal or deliberate acts on your part. You need to check the
‘Life’, ‘Accident or Sickness’, ‘Unemployment (including Carer)’ and ‘Hospitalisation’
sections of the policy for full details of what is and is not covered. The main exclusions
are shown here:

We will not cover accident or sickness claims which result from:

• a medical condition, and/or associated symptoms, whether diagnosed or not:
– which you know about when cover starts or you have seen a doctor about in the
12 months before taking out this policy; and
– which persists or returns during the first 12 months of your policy
• pregnancy or childbirth unless there have been medical complications.
Please refer to your policy document for a full list of exclusions.

We will not cover unemployment claims:

• If you know about the unemployment at the start of the policy.
• Which you are notified of, or which happens, within the first 90 days of the policy.
• If you have resigned, retired, taken voluntary redundancy or been dismissed for
misconduct.
• After the end of a fixed-term contract unless you have either been employed by the same
firm for at least 24 months, are on a contract of at least 12 months which has been
renewed at least once with the same employer or you were originally employed on a
permanent basis but were transferred to a fixed-term contract by the same employer
without a break in employment.
Note – You will need to register for a Jobseeker’s Agreement in order to be able to
make an unemployment claim.
Please refer to your policy document for a full list of exclusions.

Payment Protection 4
5 Payment Protection

We will not cover carer claims:

• Unless you are in receipt of (or awaiting) a Carer’s Allowance,
• If you know that a member of your immediate family would require a carer at the
start of the policy, or
• If you apply for a Carer’s Allowance or are notified of receipt of a Carer’s Allowance
within the first 90 days of the policy.
Please refer to your policy document for a full list of exclusions.

We will not cover hospitalisation claims which result from:

• a medical condition, and/or associated symptoms, whether diagnosed or not:
– which you know about when cover starts or you have seen a doctor about in the
12 months before taking out this policy; and
– which persists or returns during the first 12 months of your policy
• pregnancy or childbirth unless there have been medical complications
• cosmetic surgery unless medically necessary e.g. reconstructive
• being in a convalescent, nursing or rest home, or similar section of hospital.
Please refer to your policy document for a full list of exclusions.

How long does my Payment Protection Cover insurance run for?

Your cover will continue as long as you have a credit card account and you continue
to pay your monthly premium on time but it will end when you reach age 65 for
accident, sickness or unemployment (including carer) cover, and for life and
hospitalisation cover when you reach age 75 or when your credit card account is
closed. The policy is designed to cover the outstanding balance on your credit card
so you do not need to review your level of cover. The premium is reviewable and
we may change the rate or terms and conditions of the policy by giving you 30 days’
written notice.

How do I make a claim?

Please call us on

01903 823603 between 8am and 6pm Monday to Friday and
9am to 12.30pm Saturdays.

Payment Protection

How do I make a complaint?

We hope that you will be very happy with the service we provide. However, if for any
reason you are unhappy with it, we would like to hear from you. In the first instance,
please write to Customer Care, Lloyds TSB Insurance, Tredegar Park, Newport,
South Wales NP10 8SB.
We are covered by the Financial Ombudsman Service. If you have complained to us
and we have been unable to resolve your complaint, you may then be entitled to refer
it to this independent body. Following the complaints procedure does not affect your
right to take legal action. Further details of our complaints procedure can be found in
your policy document.

What happens if I take out cover and then change my mind?

This insurance is optional and you have the right to cancel your policy during a period of
30 days from the day of purchase of the policy or the day on which you receive your
policy, whichever is the later. If you cancel within this period you will receive a full
refund of any premiums paid.
You may cancel this policy at any time after this period by giving 14 days’ written notice
to Lloyds TSB Insurance. The address to write to is: Lloyds TSB Card Operations,
Payment Insurance, 4th Floor, Sussex House, 1-9 Gloucester Place, Brighton BN1 4BE.

Would I receive compensation if the insurers were unable to meet their liabilities?

The insurers are members of the Financial Services Compensation Scheme (‘FSCS’).
You may be entitled to compensation from the scheme if the insurers cannot meet their
obligations, depending on the type of insurance and circumstances of the claim.

Payment Protection 6

Payment Protection

Termination of the contract

The cover provided by this insurance will end if either of the following happen:
• if you do not pay the premiums when they are due
• the insurance is cancelled.
After any statutory cooling off period you can cancel the policy by giving us 14 days' notice
in writing to Lloyds TSB Card Operations, Payment Insurance, 4th Floor, Sussex House,
1-9 Gloucester Place, Brighton BN1 4BE.
We may cancel this policy by giving you at least 14 days’ notice at your last known address.
If we cancel the policy we will refund premiums already paid for the remainder of the current
period of insurance.

Law and language applicable to this contract

This contract will be governed by English law. The language used throughout the duration of
this policy and in any communications relating to it will be English.

Insurer details:

The insurers of this policy trade as Norwich Union and are:
• London & Edinburgh Insurance Company Limited for accident or sickness, unemployment
(including carer) and hospitalisation cover.
• Norwich Union Life & Pensions Limited for life cover.
The insurers named in the policy summary will provide cover during the period of insurance
according to the terms set out in your policy in return for payment of the premium. The main
business of both insurers is insurance underwriting.

Statement of Demands and Needs:
Payment Protection Cover meets the demands and needs of customers who wish their credit
card payments to be met in the event of their illness, unemployment or death. Information,
but not advice, has been provided on payment protection cover to help you make an
informed choice.

Lloyds TSB Bank plc. Registered in England and Wales, No. 2065.
Registered Office: 25 Gresham Street, London EC2V 7HN.
Authorised and Regulated by the Financial Services Authority and a signatory to the
Banking Codes.

Other important information

7 Payment Protection

Customers with disabilities

This policy summary is also available in large print, audio
and Braille. If you require any of these formats please contact
us on 01903 230599 between 8am to 6pm Monday to
Friday and 9am to 12.30pm on Saturdays.

Insurers

London & Edinburgh Insurance Company Limited. Registered in England No. 924430. Registered Office: 8 Surrey Street, Norwich NR1 3NG
And Norwich Union Life & Pensions Limited. Registered in England No. 3253947. Registered Office: 2 Rougier Street, York YO90 1UU.
Both are members of the Aviva Group. Both are authorised and regulated by the Financial Services Authority.
We accept calls made through RNID Typetalk.
We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly and
to help improve our quality of service.

PPC/PolSum/Online/0107

vbrep_register("1332058")

maxdp

di3004 wrote: »

:rotfl: :rotfl: lmao !!

How are you Maxdp hun ?
Everything back to reality now then, and I even managed a lie in this morning.;)

Was meant to ask you, are you on Facebook Maxdp? x

Hi Di

Am Fab thank you getting back to normal. Have been playing on Mario Carts on Wii. It is fab.

Went on this morning and sent a message to my daughter since she spends time on there. Sent her a message and she banned me. Just joined this morning. Do you use your proper name or pseudonym?

Will have to sort it out so I can use it.:rotfl:

di3004

maxdp wrote: »

Hi Di

Am Fab thank you getting back to normal. Have been playing on Mario Carts on Wii. It is fab.

Went on this morning and sent a message to my daughter since she spends time on there. Sent her a message and she banned me. Just joined this morning. Do you use your proper name or pseudonym?

Will have to sort it out so I can use it.:rotfl:

Hiya hun
Good to know your good.....:D .

Daniel just been playing on there now, I just use his name if I have a go, although I have my own character as well, known as "Dizzy" lol and sometimes he will use me.....:eek: , just as well as he is good lmao .

I just mess up on that game and crash into everything.....:o , its fun though lol xx

maxdp

di3004 wrote: »

Hiya hun
Good to know your good.....:D .

Daniel just been playing on there now, I just use his name if I have a go, although I have my own character as well, known as "Dizzy" lol and sometimes he will use me.....:eek: , just as well as he is good lmao .

I just mess up on that game and crash into everything.....:o , its fun though lol xx

No Di:rotfl::rotfl::rotfl::rotfl::rotfl: Facebook do you go on in your own name or a made up name. Tee Hee:D

di3004

maxdp wrote: »

No Di:rotfl::rotfl::rotfl::rotfl::rotfl: Facebook do you go on in your own name or a made up name. Tee Hee:D

lol, silly dizzy me lol......:o :rotfl: , yes my own name in full.;)

I thought you meant the wii, because as you know you can also play others across the world lol x

Do you have this or shall I email it to you?:D x

Andylad

di3004 wrote: »

Andy as promised on my above post, I have read this and sorry to hear of the sad loss of your grand-dad, you must all be devastated, I can understand that of course and now your poor nan has this to deal with.

I would certainly write a letter of complaint to them for the way this has been dealt with.

If you don't mind me asking, do you know the age of your grand-parents of when the loan was taken out?
This is to make sure they would have been covered, this should state in the terms and conditions of the loan policy.
Do your nan still have these?

There are some exclusions of why some would not have been covered for the PPI, so it would be worth checking them out.

Start by writing a letter to them (complaints dept) and say how unfair this is.

Then also send a letter to the same department of a separate letter to reclaim on the PPI, here is a link here to check this out and if any of that accurs to your nan, then I would certainly try to reclaim on it and complain.

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

This is useful and there is also a template letter on there to guide you, but add as much info as possible to back your nan's case here.

They have 8 weeks to respond in full, if unsuccessful they do tend to give another chance to write to them again for them to reconsider.
But until you receive the final response, this is the letter where they should confirm the Financial ombudsman service(FOS) with a leaflet of these also enclosed.

Post by recorded delivery.

On any complaint its 8 weeks before it goes to the FOS, but if you keep us posted, we will be happy to help step by step.

We wish you luck and I have some issues with these as well, but I do hope your nan gets more luck with these.

Andy, just post up anytime for help.;)
And again I am so sorry to hear of your sad news and my thoughts are with you and your nan.

Di
x

Hi Di - many thanks for all the info.
In 2001, my Nan & Grandad would have been 63 and 61 years of age respectively.
My Nan has passed all the paperwork to me and I have T&C's for the initial loan and the refinanced one in 2004.
On the initial loan, PPI was taken out seperately with Scottish Widows. Premiums of £ 15.13 started in December 2001 and ended November 2006. My first problem with this is that a new PPI was taken out in 2004 and the bank wouldn't let my Nan cancel the Scottish Widows policy - they were very much pressured to keep paying the premium. (This policy just covered my Nan for teminal illness or death).
The refinanced loan was in joint names and supposedly covered them both (as per what the bank verbally told my Grandparents at the time which is why they were advised to take the new loan out in joint names). Looking at the PPI acknowledgement of purchase - it does state that only the first named person on the agreement would be insured (in this case it was my Nan). The PPI of £ 1,393 (inc interest) was advanced as part of the loan.
I'm just really angry at the way the bank has handled all of this. From what my Nan tells me they both were baffled with jargon they didn't fully understand but my Nan still insists that they were told they both would be covered by the PPI; obviously I don't have any proof to challenge the bank with but this. Another annoying thing is that it was only my Grandad who worked at the time of 2001->2004 when he had to stop work due to this leg operation so I don't understand why the loan was in my Nan's name (she even explained this to them at the time). To me, the PPI was completely un-suitable for their needs.
I'm not quite sure where to go from here. Please could you advise when you get chance.
Many thanks, Andy

di3004

Andylad wrote: »

Hi Di - many thanks for all the info.
In 2001, my Nan & Grandad would have been 63 and 61 years of age respectively.
My Nan has passed all the paperwork to me and I have T&C's for the initial loan and the refinanced one in 2004.
On the initial loan, PPI was taken out seperately with Scottish Widows. Premiums of £ 15.13 started in December 2001 and ended November 2006. My first problem with this is that a new PPI was taken out in 2004 and the bank wouldn't let my Nan cancel the Scottish Widows policy - they were very much pressured to keep paying the premium. (This policy just covered my Nan for teminal illness or death).
The refinanced loan was in joint names and supposedly covered them both (as per what the bank verbally told my Grandparents at the time which is why they were advised to take the new loan out in joint names). Looking at the PPI acknowledgement of purchase - it does state that only the first named person on the agreement would be insured (in this case it was my Nan). The PPI of £ 1,393 (inc interest) was advanced as part of the loan.
I'm just really angry at the way the bank has handled all of this. From what my Nan tells me they both were baffled with jargon they didn't fully understand but my Nan still insists that they were told they both would be covered by the PPI; obviously I don't have any proof to challenge the bank with but this. Another annoying thing is that it was only my Grandad who worked at the time of 2001->2004 when he had to stop work due to this leg operation so I don't understand why the loan was in my Nan's name (she even explained this to them at the time). To me, the PPI was completely un-suitable for their needs.
I'm not quite sure where to go from here. Please could you advise when you get chance.
Many thanks, Andy

Hi there Andy
Not a problem, I can help out where I can and hopefully Marshallka will come along at some point as well to give her help and opinion on this for you.

I understand where your coming from hun and what you should do is write to them on your nan's behalf, tell them you have been checking through the documents, but feel this is not right and unsuitable for their needs at the time of then these loans were taken out. You feel this was sold in an unfair way.

Also tell them if they do not resolve this matter, you will again on your nan's behalf complain to the Financial Ombudsman service. (they have 8 weeks to deal with this), if they do not put this right and your not satisfied then I would definately complain to the FOS, as this is a banking issue/complaint which you believe was not sold to your grand-parents in their best interest.

In my opinion they should not have done this as this can be complicated for anyone to understand, never mind pensioners.

They should really understand this and I do think they should put this right for your nan.

You do really need to explain to them what you have said on here, to make them realise this is not right.

For a start if this policy or so was not suitable for their needs, they should have checked on this when selling this to give them the option of taking this or not.

It all seems to be wrong, but I would let others have their say here as well hun, yet if it were me, I would be writing to them know to complain.;)

Di
x