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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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Re: Distressing phone call from MBNA


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Must have got in from the night shift at McDonalds and making a few calls before bed:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Fred Goldlady and Godmother!

yes i think i am quickly begginning to realise that MBNA are a law unto themselves when it comes to following OFT guidlines!ialso i thought it was illegal phonning someone before 8am but as we see in Freds case they are obviusly not sticking to official guidelines for fair debt collection practices!As i say in my case who ever was ringing !if it was a DCA was being crafty enough to leave their number unlisted,After that phone call i was talking to a lady at work who also gets a lot of hassle from MBNA and capital one though in her case it is not fair as it is not her or her husbands debts she is being hassled about but her sons! Appaerently he ran up some debts when he lived with his parents or using their address as a correspondence address,He has moved out since then and his parents do not know his address! He is unemployed and has health problems and verging on a nervous breakdown according to his mum i beleive so only on benefits and jobseeker allowance so he has no hope of being able to make any major payments towards his debts !he lives with a girlfriend but he has not told his parents his address but keeps in contact by phonning them or occasionly visiting them but i suppose he does not like to give out his address as he does not in his state feel he can deal with the harrasement of dcas,However his poor parents get phone call from DCAs all the time about their sons debts and even though they tell MBNA and capital one and their agents that their son no longer lives with them and they dont know where he lives! Dcas still bombard them with calls and my colleague says that sometimes the phone rings well before 8am and she has had calls at around 7am as well where people phone her and put phone down on her,DCAs she says are also quite happy to discuss their sons debts with them and say they are a bank even though that goes well against data protection of their son!so they are really breaking loads of rules in that case!Ido feel sorry for my poor colleague though getting all this hassle over her sons debts!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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We got a phone call at 7.15am from an unknown number- wonder who that was?:rolleyes:

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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HI Emma ! Yes could have been our friends from crapital one! LOL MBNA are not the only culprits for telephone harrasement! MBNA usually send me a nice christmas card!every year offering me a lovely christmas time loan! and i used to put it on display with all my other christmas cards ! LOLbut somehow i dont think i am going to be on their christmas card list this year:(

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Gazza that was very considerate of Halifax!sort of made up for the ticking of you got from NatWest letter saying how naughty you were being for disputing their CCA and saying how naughty you are for daring to say they are not allowed to report you on credit files!naughty !naughty !!:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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HI Emma ! Yes could have been our friends from crapital one! LOL MBNA are not the only culprits for telephone harrasement! MBNA usually send me a nice christmas card!every year offering me a lovely christmas time loan! and i used to put it on display with all my other christmas cards ! LOLbut somehow i dont think i am going to be on their christmas card list this year:(

 

 

Christmas card! Pah! You haven't made it on this board until you've had a pink pig!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Unfortunately both MBNA & Cap 1 exhibit the same behaviour you will see the world over from big US companies.

 

In any country, they very quickly establish which laws they need to obey and which they can safely ignore, then act accordingly.

 

David

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Unfortunately both MBNA & Cap 1 exhibit the same behaviour you will see the world over from big US companies.

 

In any country, they very quickly establish which laws they need to obey and which they can safely ignore, then act accordingly.

 

David

 

Nonetheless, those of us that are aware of this also know how utterly powerless they are. If only we could spread the word.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Nonetheless, those of us that are aware of this also know how utterly powerless they are. If only we could spread the word.

 

 

Would'nt you love to see a full page Newspaper Ad - If you have an MBNA or Cap 1 card from before 2004 - tell them to b*gger orf.

 

David

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I'll see your pink pig and raise you.......

 

a postcard with trees on it!

 

Ah, but I've got one with sunflowers on it!

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Postcard that is.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Would'nt you love to see a full page Newspaper Ad - If you have an MBNA or Cap 1 card from before 2004 - tell them to b*gger orf.

 

David

 

 

when u say 04 what o u mean by that?

 

Is it begining of 04 or end of?

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Fred!Yes i still have not seen any pictures of the pink pig!I was wondering if you would like to put up a pic it! LOL

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi everyone!i sent that letter Car advised me to send a couple of weeks ago calling MBNAs bluff about their supposed CCA but apart from some threatograms ihave not had any response from MBNA about this letter!i was wondering if what to do next? Should i just leave it for now Or should i write to them again if i dont get a response soon?

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Fred!Yes i still have not seen any pictures of the pink pig!I was wondering if you would like to put up a pic it! LOL

 

Hi Sunflower, here it is: http://www.consumeractiongroup.co.uk/forum/show-post/post-1632185.html

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi Sunflower99

 

Hope your enjoying your weekend, At the moment i wouldn't do anything about MBNA. I've not received anything from them either, they must be saving up for ink for there printers :D.

 

Gaz

 

Pink ink is bloody expensive.

 

Fred

  • Haha 1

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi Fred! I just looked at your pink pig!Thanks for giving me a link to it!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Gazza!Thanks for advice! Yes i thought it best not do anything!I think that CCA is unenforceable and since Hellhasnofury mentioned about late and overdue payments not being £12 each at time i got MBNA credit card as in 2002 charges were well over that in those times,so that big bundle of papers are definitly current ts and cs and i also noticed that there is no mention of any over the limit charges or late charges amount on my original signed portion of paper and no mention of those charges on what they are alleging is on back of signed bit! so correct me if i am wrong but shouldent there be a mention of the fees for over the limit or late charges somewhere on the original signed bit?Maz and Hellhasnofury also mention that as theprinting on papers they sent me are so small as to be almost ineliglble i could bring that up as well.My weekend not been to bad but making the most of my weekends now as i may be working a few sundays in December in run up to christmas.still at least it will be a little extra money for a few weeks to cope with our dire fiancial situation.Hope you having a nice weekend!i am glad you getting a bit of peace for a while!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Sunflower99

 

Yes, come to mention it there's no over the limit or late charges on mine either. Unless its in the printing that i can't read for being to small :D.

Pleased you've got some extra work before christmas. Weekend not been too bad, Still trying to shake of this virus i've got at the moment other than that i'm fine.

 

Gaz

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