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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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Concerned v MBNA


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Hi All

 

Just a quick question I seem to have had a missed call from Global Vantedge (Aegis), thats what a search of the number tells me, however is this lot part of MBNA or a seperate company. Reason I ask is that I have had no notification or anything from the MBNA telling me anything

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  • 4 weeks later...

Hi All

 

Well still no cca from these people, heyho, not expecting much else right now. Had a call from the FSO last week and seems like they are going to rule in my favour about the interest rate which would be good if they do, will know by end of next week. However since then MBNA have stepped up a gear and I got a letter first one for weeks threatening impending default. I am going to send a 4th reminder about the cca and also now going to send the 2nd CPR letter and see what happens next.

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Hi All

 

Well still no cca from these people, heyho, not expecting much else right now. Had a call from the FSO last week and seems like they are going to rule in my favour about the interest rate which would be good if they do, will know by end of next week. However since then MBNA have stepped up a gear and I got a letter first one for weeks threatening impending default. I am going to send a 4th reminder about the cca and also now going to send the 2nd CPR letter and see what happens next.

 

 

Hi Rondodiver

 

Don't forget when MBNA Default you, which they will at the end of the day make sure you save the enverlope with the default notice.

That will be vital when or if it ever ends up in Court.

 

Gaz

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Thanks Gaz have been keeping envelopes and such now for a while but will certainly be vigilant with this one. I am also not expecting it to get to that stage assuming FSO rule in my favour, allthough that will then throw up a different set of decisions, i.e do I carry on etc.

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I may be wrong here but I think this has now been passed to another department as the phone calls are only now from a private number. So I do not know who is actually calling.

 

Still nothing regarding CCA so time to definately send the 2nd CPR letter then I think I will need some help / advice for the N244 form to force them to send the agreement. Hopefully will have some positive news from FOS shortly.

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Hi rondoiver

 

You may need to send them a 3rd letter, giving them 7 days to comply.

Probably also get intouch with OFT as well, explaining your case and see what they say.

 

Just to let you know i won my case in Court on Monday against (MBNA/Howard Cohen/CL Finance).

 

Gaz

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Well done Gaz that is great news, as a matter of interest what card brand was it (Abbey etc)?.

 

I have drafted 2 further letters A) a reminder for the CCA request and B) Letter no:2 for the CPR approach giving them a further 14 days to comply, after that I don't think I have any other option but to start the N244 process. They have totaly ignored any request to date so frustrating.

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Well done Gaz that is great news, as a matter of interest what card brand was it (Abbey etc)?.

 

I have drafted 2 further letters A) a reminder for the CCA request and B) Letter no:2 for the CPR approach giving them a further 14 days to comply, after that I don't think I have any other option but to start the N244 process. They have totaly ignored any request to date so frustrating.

 

 

Hi Rondodver

 

The one in Court was a Abbey/MBNA, the other card that got struck out a few weeks back was just a normal MBNA card.

 

Gaz

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Good Morning All

 

Well still no responses from these people so I have now sent the 2nd CPR letter. Time now to get the N244 completed and ready for sending in 14 days time, think I should have only given them an extra 7 but thought I would make a big point of showing that I have been reasonable throughout this whole process. Could do with some pointers on completion if anybody has gone down this route before. Thanks

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Had a letter from FOS today and as a result I have been informed that the interest rate hike will be put back to its previous level and all charges of interest recalculated. Its only taken a year to get this far but a result of sorts.

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Hi All

 

Dilema time as above all the extortionate interest will be returned to me and the account back to the position it was in last year, now my dilema is do I continue down this route and deal another blow. Or do I give in and possibly let them do this again (I think I know my answer) but thoughts / opinions would be most welcome.

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Sorry to be a pain really could do with a little help obviousley quite scary getting the threat of legal action from optima, just reading through the letter they say I should send any correspondence to Chester. So should I send another reminder of account in dispute letter to Chester or Optima or both ?

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  • 2 weeks later...

Hi All

 

Everything has gone suprisingly quiet for now, not sure why, maybe there regrouping :D to see what they can do next. Still no show of the CCA or any more threats. I have not used the registered address, but the one on top of all the letters I have ever receeved, would that make a difference to this.

 

I have had replies to my complaints in which I used the same address as above so I feel that shouldn't be an issue.

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  • 2 weeks later...

Hi All

 

No change to the situation, still no response to my CCA request, and still the phone calls continue albeit I block them so this does not worry me. What does worry me tho is as above I used this address for all my communications

 

Abbey Credit Card

Chester Business Park

Chester

 

Having used this address would this make a difference and do I need to start again ?

 

I have postponed the CPR 31.16 request for now until I can be sure this will or wont make a difference

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Well decided to throw the towel in and have started paying again as they have refunded all the extornionate interest also I cant deal with this stress anymore and really cannot risk taking them to court and incurring more debt if I lose.

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Hi ronddodiver

I recently received my CCA from mbna, I too have my account dated from 1997, What I received was an application form, single sided with noneof the required terms under the 1974 act and no referal to other documents in the body of the application form. As it stands mbna don't have even stumps of legs to stand on, I suspect you've got the same thing.

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