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    • 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 
    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
    • Yes, Nick is spot on. Also, can you remember if Starbucks was closed when you were there?  I ask as I'm trying to work out what MET reckon you did wrong.
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Advice re: LTSB Loan with PPI


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My mum and dad got a letter from LTSB yesterday saying that they were upholding their complaint and as such would

- organise repayment of the ppi of their previous payments towards the debt

- cancelling the ppi

- taking the amount of the ppi (around £4900) off the outstanding amount. (They should only take any arrears from any rebate they offer they should not use any ppi rebate to reduce the outstanding amount that is due)

- any interest accrued as a result of the ppi is being taken off too.

 

They have asked them to sign a form saying that they wish to cancel the ppi, and that they agree to LTSB terms - as above.

 

Are they OK to just send that off? (before they do check out any arrears due and only agree to the repayment of PPI covering the arrears amount not any outstanding amount) Having said that if there are problems with repayments it would be a wise move to reduce any debt by using any rebate to cut that debt. It could make life a lot easier on the repayment front.

 

The debt is now in default as they couldn't keep up payments, so how does this affect what is happening with that? They are being harassed by LTSB for the amount they owe, even though they simply cannot afford a thing towards it. Should we sort out the cancelling of the ppi so we have a better idea of the amount they now owe - it was a 15,000 loan that wasn't secured on anything.

 

We need to get LTSB to take a small token payment for the time being, or even write-off the debt...when they took out the loan, my mum had just started working but was fired due to having to take sick leave after a car accident. They could afford the loan when she was working, but after she was fired was when they got into trouble and now cannot afford to pay back.

 

If the account is in arrears then my understanding is LTSB can take the outstanding arrears from any rebate of the mis-sold PPI but they cannot use the rebate to pay off any remaining balance on the account other than any outstanding arrears.

 

You should cancel the PPI but they may do it automatically on accepting their proposals, but YOU MUST ENSURE you/they have an alternative cover in case of future illness. There are much cheaper options available. Google moneysavingexpert and see the website, there will be a tab for insurance and I am sure there will be something there on PPI insurance alternatives.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Im not sure on this one as the account has been defaulted.

It depends how far it's been defaulted. If your still making payments (it looks as if your not) then you should be able to get the arrears taken off the PPI amount, and the difference sent to you as a cheque. However, if it has been defaulted because you are no longer making payments at all then they might be within their right to take the full amount off the outstanding balance.

If it's just been defaulted because you missed a couple of payments months ago and havn't been able to catch up on those payments then they should just take the amount of those missed payments and refund you the rest.

I think it depends on how / why the account was defaulted.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Thanks everyone.

 

They tried to claim on the insurance when she was fired, but that is when they found out that they had been mis-sold a policy that didn't cover them.

 

They were relying on my mum's income to ay for the loan, and got into trouble in December last year - 2008 - and were making part payments until February, when LTSB defaulted them for not paying the full amount, and have since been taking any amount they see fit from their LTSB current account that takes my parents to their maximum overdraft...then they are charging them interest on this. :-(

 

They think that my mum agreed to a a repayment plan with them - she didn't she told them she would see what she could do to find as much as she could - its still with in house collections, althugh a default has been registered. They simply cannot afford to pay back the loan since my mum hasn't been able to get back to work since her accident, so they simply don't have the income they had before.

 

They can only just make rent and their other priority debts.

 

I need to find a way to help them,

TheKat1979 - Taking Control!

 

Taking on -

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Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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Thanks everyone.

 

They tried to claim on the insurance when she was fired, but that is when they found out that they had been mis-sold a policy that didn't cover them.

 

They were relying on my mum's income to ay for the loan, and got into trouble in December last year - 2008 - and were making part payments until February, when LTSB defaulted them for not paying the full amount, and have since been taking any amount they see fit from their LTSB current account that takes my parents to their maximum overdraft...then they are charging them interest on this. :-(

 

They think that my mum agreed to a a repayment plan with them - she didn't she told them she would see what she could do to find as much as she could - its still with in house collections, althugh a default has been registered. They simply cannot afford to pay back the loan since my mum hasn't been able to get back to work since her accident, so they simply don't have the income they had before.

 

They can only just make rent and their other priority debts.

 

I need to find a way to help them,

 

The PPI was obviously mis-sold so you should:

 

1) get all the information using this information......

 

Letter templates here..

 

Full SAR for ppi and also here..

 

Data Protection Act 1998 - Subject Access Request

 

and be sure to ask for these:

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. Send all correspondence by at least recorded to be signed for so you can track delievery through Royal Mail.

 

The things you should get from a Subject Access Request are:

 

True copies of your Consumer Credit Agreements (CCA) with the terms and conditions that were applicable to the agreement at the time the loan started.

 

Copies of all your statements.

 

Copies of all correspondence with regard to the loan, letter, fax, transcripts of phone calls or transcripts of phone calls, or other notes taken by them during the calls.

 

Also be specific in your request for full disclosure on any PPI added to the loans this should be identifiable on the CCA.

 

Specifically request the demands and needs/Customer duty of care questionnaire which should have been completed at the point of sale. This questionnaire should be filled out by the bank advisor to ensure all the relevant questions have been asked to ensure the product is fit for purpose and suitable to your needs. See this as an example.....

 

When you send your Subject Access Request you should ask for evidence of the questions asked at the point of sale.

Please see this link for an example:.....http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

The data requested should be data in any format that their organisation uses for filing, electronic, paper, microfiche, CD, Floppy, Magnetic tape.

 

Please have a read through the following links for further information.

 

PPI - Some Notes for Claimants..

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

This is a little snippet from the above link....

Quote:

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

All of the above and more in this sticky at the top of the forum.

 

Mis-sold PPI? Want your money back? use these links to help

It's a lot of reading but some useful stuff in there

 

Hope this helps

 

2. Do your homework first

 

3. Then claim your money back

 

aa

 

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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