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    • 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 
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Full & Final Settlements advice needed please-urgently


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Hi Everyone,

Just spent last month trying get finances in order, i have written to 4 creditors that myself & oh have between us offering final settlements though only one has replied (today).

3 have not responded and 1 being tsb credit card has replied via fredrickson dca saying offer rejected and to contact them as my monthly

payment of £50 which i have been paying (with no missed payments) is not enough as length time it will take pay back, but i cant afford pay more

than that.

what are fair offers to offer creditors? Advice much appreciated i am trying to deal with matters to no avail please could anyone advice best way forward.

jcl

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The way to look at a f&f is that they want as much as they can get and you want to offer as little as possible, simple finances really.

 

Most of these debts are picked up by DCA's for as little as 10-15% so that would seem like a logicalplace to start, although as the saying goes, "shy bairns get nowt" offer them what YOU regard to be a realistic figure, however low, the worst they can do is refuse.

 

If you do finally get to the polint where a suitable figure is agreeed, make double sure that the acceptance is in writing (template letters are available in the template library) these letters whilst not guarantees, will give you a good chance of sorting it without the risk of another bloodsucker coming after you for the remaining balance.

 

on the subject of them wanting to up your payments. YOU decide what you can afford, not them, make an offer you can reasonably afford and pay them regularly, disregard their threats, they carry no weight whatsoever. it may be worth requesting the cca from Fredrickson and see what they come up with. if they don't have a cca it would put you in a much stronger position to negotiate, the same goes for the other debts should they refuse to co-operate

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Hi Spamheed,

Thankyou for your reply, i used the template link to use when i first wrote to them with my offers. Do you think i should re-write to them or to the dca's that are acting for them and work on the 10-15% though i did point out to them payments already made to dca's.

one dca wrote back saying they would supply cca but would take 4-6wk (my oh cca'd them) but said when they had supplied it my oh would have to settle balance but they were asking for original balance even though monthly payments made.

many thanks

jcl

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There are some very useful bits of advice and a guide here.

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

You may find this section particularly useful (I think letter D may suit your circumstances)

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

 

I'm no expert in this area, and I'm just trying to help out a bit, so maybe try sending a PM to one of the Mods or site helpers for more detailed help on this.

 

Can you post up a few fact about these debts too (don't post up anything that could make you personally identifiable though), so when they come to your thread they will have more info.

 

ie:

 

1/ How old are the debts?

2/ When did you last make payments regards them?

3/ Do any of the debts relate to credit cards or bank accounts which had charges applied to them (eg: late payment charges, unpaid item fees etc)?

4/Have any of them threatened you with court action?

5/ Are the debts being called in by the lenders themselves, or through a debt collection agency. Have the agency added any charges or interest of their own onto the debts?

 

 

Good luck

 

PM

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 !

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Hi Photoman,

Thankyou for your reply, there are four debts which are two credit cards, 1 is hfc bank, and 1 is littlewoods all are in dca's hands and have been paid by dd each month except littlewoods by standing order, the poeple dealing with that are threatening to take to court as they say march then it was february payment not recieved so they are going to send someone round they said amount owed is down to £200,

the others are £1100, £280, £600 approx amounts. We have another that is in dispute as bank charges are owed to us. There have been charges added to them, i just want to get them sorted but only recieved one reply as i said before and that was rejected on the £1100.

 

regards jcl

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  • 2 months later...

Hi- if your looking for a settlement for these debts ask the dca what percentage they can give you off the debt. they will start off with a low amount eg. 5% depending on which collector you get (some being harsh some being a push over).

 

you need to sort out an amount that you can afford. the dca may ask you to send in and income and expend for them to beable to recieve low payments.

 

some dca's do try and make the urgency of a SIF (settlement in full) over the top but there is never a date a SIF has to be paid by.

 

hope that helps you, any Qs ill be happy to help

 

:)

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