Jump to content


  • Tweets

  • Posts

    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

H.O.L Test case appeal. Judgement Declared. ***See Announcements***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5050 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 5.1k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Guest vortex

Star scream, RBS do not have liquidity problems at all and they are hardly likely to after making 10 billion pounds last year.

Link to post
Share on other sites

oh great stuff hope we win, just been reading your download on interest.very good,but i need letter for managed loan which i have add all interest up now need letter to send to hsbc if any body could help please.

Link to post
Share on other sites

The rights issue is being seen as a necessary measure to provide a capital cushion for the amount of risk on its balance sheet

 

I see, they are OK for now, but there is a risk that they could be in trouble, so they need this as a cushion.

 

My money would be out in a flash.

Odio los bancos con una venganza

Link to post
Share on other sites

Hi all, please do not all jump on me if I have missed something but could this be the reason why the Government is giving the Banks money for so called helping out the Morgage crisis????....SELV...

Link to post
Share on other sites

Hi all, please do not all jump on me if I have missed something but could this be the reason why the Government is giving the Banks money for so called helping out the Morgage crisis????....SELV...

 

I'm afraid not no, they need that so that they can all apparently starting trusting each other enough to lend amongst themselves again

Link to post
Share on other sites

True,

 

its a start though, eh?

 

Lets hope justice prevails here

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

Link to post
Share on other sites

Given that I incurred a charge last month, and the bank hasn't even bothered to add it to my statement, I am hopeful that they have lost, and lost badly.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

If thats the case, bank shares could be VERY interesting over the next few months!

 

I appreciate even if they had to pay back everybodys charges from the last 6 years it wouldnt really hit them, but the perception from shareholders in general would not reflect well

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

Link to post
Share on other sites

ANDENA

 

I think this is your thread http://www.consumeractiongroup.co.uk/forum/hsbc-bank/118338-can-i-get-interest.html

 

Which is in the HSBC forum. I'm going to move yout last post (#206) there so that the HSBC bods can help you out. (Bear with me, I've not done this before :))

 

(ps Thanks star scream)

 

(pps - done it. Whew)

  • Haha 1

 

 

Link to post
Share on other sites

i wrote this to the oft before they began their actios still have not had a reply i wonder why

patrickq1

its probably a bit mixed up but i meant well lol

peabrain me as usual my rant to goverment bodies

absolutely scandalous i have now written to my MP and i am demanding an investigation into your department,your reply and threat of cost if a judicial enquiry is now open to questions you have verifiably made false statements on material matters you are being asked by more than 200,000 people and every one of them shall now be demanding a very serious enquiry into your departments conduct..it is like .you have not yet , not once told the banks to stop all unlawfull charges whilst the debts are in dispute...i beleive your department is full of ex finance directors and ex bank staff ex directors of banking departments .this being the case is also open to serious questions with regards to your loyalties is your thinking either lawful and truthfull or what ! this is open to question,

it is a scandal and threatening to say that all cost will be sought if a judicial enquiry is asked for,i for one shall be paying monies into a fighting fund for this reason alone,your department has already been found wanting and a case of mal administration will be instigated against you dept,i am so angry that you could not even be totally honest you have made Statements of interpretation of facts , what happened to TRANSPARENCEY with this case against the banks/finance,,this has also come from the PRIME MINISTER OFFICE ,even the THE RIGHT HONOURABLE PRIME MINISTER BELEIVES THAT YOU ARE LOOKING FOR TRANSPARENCEY,you seem to have forgotten what this word means let alone it exists ,and as for your comment that you have been investigating the banks since may 2006 ,which banks was it a PIGGY BANK ,and why on earth have you not already hired a professional company to calculate the way bank charges are made,when considering a 18 year old university student came onto the consumer action group and worked out as best he could how the banks equate figures and you as a proffesional body have nt even done this and you are thinking of going to court..you are negligent in this also..your spin and ambigious remarks leave everyone to conclude that your department have and are negligent with the truth,your Directors and staff should all resign in the interest of JUSTICE .i am also writing to the UE COMMISSION and are going to demand that they make enquiries into your behaviour along with our suspicions with regards to your actions to date

Link to post
Share on other sites

The OFT rarely reply - and if they do, they either misunderstand the questions, or deliberately skirt them.

 

I have had no direct answers to the many, many emails and letters I have sent to them. I gave up some time ago (and I'm sure a certain predictable person will have something to say about that).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/bank-charges-consumer-issues/139501-test-case-judgment-due.html

 

Bit of a coincidence this being announced the same day that the govt paid out £50bn to the banks-especially as it was previously announced that we would have to wait until July for the judgement.....:rolleyes:

Link to post
Share on other sites

A bit off topic here.... but as this thread is probably being eagerly watched by many waiting to start claims, probably a good place to mention it.

 

I just wanted to say that I've just clicked on and taken a look at the Interest Tutorial document in Steven4064' s signature, and was very impressed (great work Steven)

 

For anyone who is confused or needs help with all the various aspects of interest; ie. figuring out what is meant by and how to calculate interest debited due to charges, statutory interest, contractual interest, APR, EAR, simple and compound interest etc, and so therefore what interest you can claim back, how to calculate it, and then what you yourself can charge etc then I encourage you to click on it and take a look.

It's a good easy to understand guide, and will save you lots of time searching, posting and also save you from getting frustrated or confused by receiving conflicting or confusing advise from other (well meaning) CAG members (or no replies at all).

 

It'll also save mods and site helpers etc from posting up the same answers repeatedly.

 

So to anyone seeking enlightenment, and who just thought that peoples signatures were just pretty flashy adornments, think again, and do click.

  • Haha 1

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

Link to post
Share on other sites

Thought:

 

If the judgement is to be handed down on Thursday, then it is almost certain that the Banks lawyers have seen it already. I wonder if that contributed to the general tanking of bank shares yesterday?

 

just a thought

 

Dad

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...