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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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CCA does this satisfy my request?


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hello

recieved this copy of my internet application for a barclays visa, surely it has to actually say credit agreement on it???

anyone take a look please

 

 

http://i247.photobucket.com/albums/gg137/unhappyfeet/img050.jpg

 

http://i247.photobucket.com/albums/gg137/unhappyfeet/img051.jpg

 

http://i247.photobucket.com/albums/gg137/unhappyfeet/img052.jpg

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Hi 42Man

 

I'm not sure but its no longer than 3 years I don't think. So I'm presuming it's enforceable as I've read that on here internet applications are enforceable after 2004

 

but what they have sent me doesn't mention CCA yet they say they've enlosed it?

 

They're taking me to court :(

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OK....i'm not sure on the implication of electronic signatures / internet applications, I'm hoping that somebody may come along and offer some input.....but do have a good search through the forums....if I find any other relevant threads i'll post them on this thread....

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thank you 42Man:grin:

 

I'm gonna be doing my defence tomorrow:eek: and I'm hoping to put that I neither admit nor deny due to the CCA they forwarded been insufficient???

surely even though it was electronic they have to forward me the relevant papers that actually say its a CCA??

 

what would you think 42Man in your opinion?

please

 

Regards

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hi all :grin:

thanks for your reply:-D

 

I'm gonna go for it and see what happens as far as I can see thats not my full CCA as you said no electronic signature box so if they have got a copy of this then they've not forwarded it to me. I Sent the civil procedure request and as I've also read on here Howard Cohen & Co said it didn't apply to them and that I have sufficient information already. So I'l try the 'neither admit nor deny' and if they can produce hope they let me change my defence.

 

Kind regards

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  • 4 weeks later...

HI all

ok just to update I've recieved a letter from the courts saying that they have recieved my defence( they recieved it on the 21st sept) Also had letter from Cohen offering a FF settlement which no way can I afford the offer has a 14day expiry.

Whats my next move or do I wait???

Any advice welcome please:)

 

Regards

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We need to know when the card was taken out as the electronics communication act came into force on 31st dec 2004.

 

From what i see it is unenforcable. Re your above question you sit and wait.

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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You need to do a CPR request which will require them to provide the info u need

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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I can't see any date at all from what they have sent you. Surely it should have to have a date on somewhere?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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well then you were lied to

 

this explains about fee consessions.

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex160a_e.pdf

 

County court fees list, this is for if u need to pay a few.

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex50.pdf

 

application for fee remission

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex160.pdf

 

a application notice.

http://www.hmcourts-service.gov.uk/courtfinder/forms/n244_e.pdf

 

the above application notice if to ask the courts to order they provide u with the relivant information.

 

From what i can see thy have refused u vital info to defend your case so they courts can order them to provide it.

 

If u want my help just ask. I am easily findable about here or u can mail me at my email addys.

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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They do need to comply and you need to tell the judge that they refused your CPR request!

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Sit and wait when u get anything from the courts u will take it from there

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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