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    • go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
    • Hello, Just to check I understand things right, he moved to a nursing home, you then kept paying the rent for a period of time whilst you sorted his belongings. You have asked to give notice and asked for backdated payments of rent from when you first asked which went ignored? They are still taking rent payments.   Have I understood correct?   If I've got anything wrong please correct me.
    • I contacted Sanctury housing in August 2023 after informing them my father in law who had Dementia had moved into a Nursing home December 2022. We kept the flat for 8 months until such a time we could accomodate some of his furniture that my wife wanted to keep. I contacted them in August 2023 to let them know the situation by email as I was the named person that could speak on his behalf. I informed them that we had left it to late for POT and were seeing a solicitor for Deputyship of his financies. I asked them what information would they need in order to give notice on the flat and we could provide details of his condition and nursing home. This went ignored I left it a month and then called them October 2023. I was promised a call back from a manager over the next few days. This never happened and it was end of November when I contacted them again and they had no record of me calling them. I explained the email and again I was told the local manager to the area would call me. This never happened and I ended up emailing them in January 2024 with a copy of the email from August. Again this went ignored and I had explained to them that we couldn't just go to the bank and stop the DD as we had tried. This email again went ignored. I then had a letter written to our home address in February asking us to get in contact with them (local manager) as they were concerend nobody was living in the flat. He had an email address so I copied in the last 2 emails to say I had been trying to give notice since August 2023. I also stated that I would like the rent that was paid from August 2023 refunded back to his account as I had officially tried to give notice then and it went ignored. He replied to us about wanting to look at the flat then notice could be given once he had contacted the nursing home to confirm he was actually living there now. Notice was giving for the 22 March 2024 and this would be when rent would stop and no further payment would be taken by this point. The fact I asked to be back dated went ignored. I have since noticed on 2 banks statement for April and May that they are still taking Rent payments of £501 from his bank. Further to this which seems very strange. He was with Eon Next for his utility bill again we were having problems getting this stopped as they needed a named person on his account which there wasn't one despite me managing his online account for him. I didn't check the email address that often that I used to set it up and went to check as noticed the credit he had built up with not living there was all getting refunded in February. The email said £600 would be refunded to his account with a (sorry you are leaving us message) but how can he leave as nobody but himself had access to speak with them. I also noticed the lady in the flat above him had a letter from her bank sent to his address with his address details but his name which was dated 4th March well before we had given notice and it said (thank you for giving us your new address details) we have set all this up for your account.   So Sanctuary housing must have been aware he wasn't living there from the ignored emails for the lady above to start changing address details to move into his flat before the housing manager had even got in contact to ask if anyone was living there. What I basically want to know his do we have any legal standing to claim the rent back from when I first contacted them in August 2023? There is roughly £3000 to come back  
    • lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • i see you are posting this all over the internet too. here you say it was returned by the safety camera dept UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please? WWW.FTLA.UK UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please?  
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Beowolf v A & L


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Hi all well im new, but i have done my SAR and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon of her dreams or at least pay it off afterwards.

 

Whats the address i have to send the letter to im assuming its this one

 

Sarah Rendon

A&L PLC

2nd Ops TCU3

Bridle Road

Bootle

Liverpool

L30 4GB

 

I really want to stick to the A&L becuase they are so unhelpful they banged me for charges on one day, how nice can they be.

 

Im a little nervous about all this so any support is always welcome

Beowolf

 

The few, the proud, the chimps :-)

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Hi all well im new, but i have done my SAR and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon of her dreams or at least pay it off afterwards.

 

Whats the address i have to send the letter to im assuming its this one

 

Sarah Rendon

A&L PLC

2nd Ops TCU3

Bridle Road

Bootle

Liverpool

L30 4GB

 

I really want to stick to the A&L becuase they are so unhelpful they banged me for charges on one day, how nice can they be.

 

Im a little nervous about all this so any support is always welcome

 

Yes this is the correct address

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  • 1 month later...

Well i fired off my letter before action, and got a standard reply saying we are looking into this and take all customers complaints seriously

 

I havent heard anything now for 14 days, im ok to go ahead and start my court paperwork?

 

Slightly nervous but want to get the money back so i can take my new wife to be on a great honeymoon.

 

Does anyone have the full address for the A+L that i send the court paperwork to?

 

many thanks

 

Beowolf

Beowolf

 

The few, the proud, the chimps :-)

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Hi there Im in the same position with Barclays.

 

Initial letter sent to ask for statements and not even a reply.

 

What legal letter have you sent ?? Is it in the templates??

 

Woyld you mind emailing it to me please... Im tempted to call Barclays and ask why theyt havent responded..

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Hi there Im in the same position with Barclays.

 

Initial letter sent to ask for statements and not even a reply.

 

What legal letter have you sent ?? Is it in the templates??

 

Woyld you mind emailing it to me please... Im tempted to call Barclays and ask why theyt havent responded..

Hi, Hixxy82. Welcome to the CAG.

 

You'll find everything you need in the templates library.

 

I'd suggest you spend a good while reading round the threads on the banks' forum, and especially the Barclays one as that's your bank - you'll see how the specifics of a 'Barclays' claim pan out - important only in that the banks can vary in their responses. It makes things easier for you if you're aware of what to expect and therefore confident in what you're doing!

 

If you start yourself a NEW THREAD on the Barclays forum, the guys there will be able to offer you support throughout your claim. But by all means, feel free to continue posting in our forum (or any other for that matter) as and when you choose. :cool:

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I have used the information in the templates however im not to sure about my interest calcualtion, number were never my thing

however according to the simple spreadsheet my first claim date is the 28 jun 04 some 1052 days ago, im really not sure if my calculations are ok and dont want to go into court with my figures all wrong. Also as my finacial acumen has never been great i could do with a hand

If any one could help i would be forever grateful

Charges £1558.00

Overdraft Interest £154.58

Interest under s.69 County Courts Act 1984 £357.34

Court Fee £120.00

 

TOTAL £ 2189.92

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.34 per day at such rate and for such periods as the court deems just.

Beowolf

 

The few, the proud, the chimps :-)

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Without seeing how you have worked the spreadsheets its hard to tell, but normally the "overdraft" interest is at least as much as s69 in my experience (unless your o/d rate is very low!)

 

One thing I would recommend is to rename "overdraft interest" to "interest applied on charges"

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Many thanks Chorlton, i can email you the spreadsheet if you could have a look at it for me, will remove all my acc details etc but just could do with a hand

 

Many many thanks

 

B

Beowolf

 

The few, the proud, the chimps :-)

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  • 4 months later...

Hi All

 

I posted a while back and everything was going well. Unfortunatly I got a bit sidetracked (got married/moved jobs) and the last correspondence I had from A&L was that they were offering me £657 quid which was less then half of my claim. Unfortunatly this letter came in just as I was going on my honeymoon.

The offer on the letter had a date on it to reply by and to be honest I was kind of wrapped up in married bliss (yes there is such a thing) and forgot about it.

 

What do I do know, do I issue my MCOL, im just starting to panic a bit and could do with some advice please

 

Yours in worrying

 

Ethan:(

Beowolf

 

The few, the proud, the chimps :-)

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I would accept their offer Only as part payment of your full claim. If they send you a cheque, then proceed to claim the rest through MCOL. I have had a successful claim with A&L and the consensus seems to be that they will pay out the full claim but will try to get you to accept less initially.

 

If they will only pay you their offer on condition of the claim being 'settled' I would say thanks but no thanks and get the whole amount by claiming through the courts.

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All cases through MCOL are automatically stayed as are most of the court cases - plus to file the new recommended POC you should file by N1 at your local court.

 

You need to read the "sticky" threads as you come onto the A&L forum about the waiver/stays and the new POC - then decide whether you want to go court route and get stayed, or go FOS and sit in the pile of complaints there - but whichever way you go you will be further down the road than others and near the top of the queue - if the case ever happens.

 

Keep reading threads on here as well before you decide what to do.

 

Also in the step by step instructions there are example reject / acceptance letter links - if the offer has not expired - but be careful of wording - dont accept as full and final offer.

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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  • 3 weeks later...

Hi Guys

 

Some of you may know that I have been posting on here for a while and drawing support from the great advice you have given me.

 

I sent of my Particular to the court with my £85 and have recived a letter yesterday saying that A&L had until 24/11 to respond, I got a letter in today saying that Wragge and Co will be defending the case.

 

After all the letter writing and court paperwork im stumped as to what to do know. Im assuming they will try and get a stay on the case as this seems to have happened to lots of people?

 

If this is the case what do I do know?

 

Yours not so much panicing but slightly worried

 

Ethan

Beowolf

 

The few, the proud, the chimps :-)

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Hi Beowolf,

 

I've merged your threads to make it easier for you and others to track your progress. :)

 

It is quite normal for them to defend and yes the next stage is likely to be that they will request a stay or the court will order one.

 

Have a look in the new forum for stays and famialiarise yourself with the likely events.

 

All the best

 

Zoot :)

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Thanks Zoot, I must admint was getting all a bit confuddled there with all those threads. Am I right in assuming that if I get a stay I go into the melting pot with the rest and have to wait for the outcome of the OFT case whenever that maybe?

 

It just seems like this OFT case is going to be a major delay in getting what belongs to me back in this case my money and sanity.

 

Thanks

 

Ethan

Beowolf

 

The few, the proud, the chimps :-)

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Yes unfrotunately it is likely to be stayed.

 

MCOL will automatically stay all cases. You can write to have your claim transferred to your local court and they will comply with this. However, its likely that your local court will also stay the claim. You can make an application to lift the stay, although this is quite time consuming and incurs a fee. The chances of lifting the stay are quite small.

 

 

Zoot

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Hi All

 

Well according to Dartford Country Court my cas will be going before a Judge, as Wragge & Co have filed a defence, so im assuming this is where the Judge will throw a stay on the case?

 

If the judge doesnt throw a stay on it what are the options then, for him to award in my favour or ask for both parties to state there particulars?

Beowolf

 

The few, the proud, the chimps :-)

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It is more than likely that if the court does not put a stay on the case then A&L will do.

 

I suggest you read a few threads in the section under general for cases with stays so you can get a taste of what is going on.

 

What would be your personal appeal against the stay?

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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I had a recent caim against MBNA / A&L and MCOL put an automatic stay on it.

 

A week after the stay was put on MBNA sent a cheque for about 2/3 of the claim. I said, 'Thanks! Now pay me the rest or I will see you in court.' (by polite recorded delivery letter, of course). They replied within a week with the rest of the claim!

 

So in my case MBNA decided to pay out the full amount of the claim anyway so the case did not go to court, (this after they claimed they would defend the claim, a standard tactic of most companes), and the stay became irrelevant.

 

During this process I also got the number of the customer advocate office, (those who deal with refunds etc) and persistently phoned them to ask for their response to my claim - this may have helped to bump my claim to the front of their 'to do' list. I would suggest you do the same, to make it clear you are prepared to go the whole way to court and can't be bought off by silly offers.

 

It's your money - stick to your guns and you will get it refunded!

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