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    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
    • Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have.
    • 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  
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Which DCA is it?

What bank is it?

Roughly how much is it?

How long ago was the OD taken out?

How long since you defaulted on it?

Are there any charges on the OD?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCAlink3.gif is it?

Westcot

 

What bank is it?

Lloyds TSB

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

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Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCAlink3.gif is it?

Westcot Ha ha ha, wetcloths!

 

What bank is it?

Lloyds TSB Start their complaints procedure.

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

Start reclaiming the charges back.

 

Don't be concerned by Wetcloths, they cannot do anything, except spout off untruths and empty threats.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 year later...

Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

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Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

 

Hi, The statement regarding collecting goods is nonsense

unless they have made a county court claim and achieved

a judgement against you and you have failed to comply

with the judgement bailiffs cannot act.

 

Can you scan and post up th letter after removing personal

detiails please.

 

Does this debt show on your credit reference files?

When was the last payment or acknowledgent in writting

made? (the CCA?dispute does not count).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i doubt it says that

 

is it a thereat-o-gram

 

if,might,could,possibly,instructed

 

not will do anythng.

 

what does your cra file say about this debt?

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for the advice so far guys :-)

I'll get the letters posted this evenings as edited PDFs.

 

Last payment was made back in early 2008 but there have been dispute letters between collectors only since.

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what letters

 

you keep playing letter tennis

 

they'll keep thinking you are a mug waiting to be fleeced.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Standard threatograms,

Send the following to The compliance manager

at Westcott.

 

Ref: xxxxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your threatening letters date xxx and xxxx the contents of which have

been noted, please take note I do not acknowledge any debt to Westcott or any

company you may claim to represent.

 

I have previously corresponded with other agencies which have all failed to prove that

I have any liability for the alleged debt which has been formally in dispute since xx xx xxxx

and this matter remains still in dispute.

 

Take note I am fully aware od the OFT Guidance 2003/2011 and I feel that your company

is in breach of these in a number of ways.

 

Until you can produce irrefutable proof that I have any liability for the alleged debt no further

correspondence can be entered into.

 

Send this recorded delivery and track receipt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hmm.. "Doorstep Collection".. Why would they want your doorstep ?? sorry.. my little joke.

 

These letters are designed to be intimidating in order to obtain a knee jerk reaction in that you .. telephone them.. The telephone is the weapon of choice for Debt Collectors. They say on the phone what they wouldnt dream of putting in a letter.

 

They are also threatening you with Nelson Guest.. who is a solicitor for rent.. he sends out letters and issues claims. However, if the "debtor" defends, then Wescott take over the litigation.

 

Questions..

 

What is the dispute you have with the original creditor and for how much is their claim ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

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Dealing with Customer Service Departments? - read the CAG Guide first

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They have ignored this and are threatening to come and collect possessions from my property.

 

right so now you've actually read the letter properly

 

you'll see the above is not true.

 

 

is this debt showing on your CRA file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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In the unlikely event that someone does turn up (rare but has been known).

 

Tell them to leave your property immediately or you will call the police and the police will remove them for you, they are not bailiffs, have no legal powers and are just self employed on a commission only basis.

 

They will leave saying CCJ this, Bailiffs that but only because they have wasted fuel for no commission :)

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

Edited by Conniff
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Ok, I thought that's what it was meant to be, have changed it. :)

 

The bad news is that agreements are all one sided, the good news is that the one side is you.

 

You don't ask them what they will accept, you know what you can afford and you tell them what that figure is and that you will review it should your circumstances change.

 

Don't make payment with a direcet debit card but either by standing order or cheque.

 

Who is the creditor ?

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HMRC take priority. DCA's can take a running jump unless they want to end up in front of HMRC.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

 

Hi monkquito

 

Have a look below - may help - may be able to utilise with the offers etc

 

You can log in without an invite or adviser and away you go - all details are saved online

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

http://mymoney.nedcab.org.uk/moneyadvice/dmptour.asp (example completed DMP)

 

This CAB system is working for a growing number of people but to be sure with any overall debt situation (and given that you have only provided limited information) it is always best to seek full independent advice on all options etc.

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Thanks for all the replies.

 

The DCA is Wescot.

 

As one of you put, I'd rather pay them something even if it is a token about until my circumstances change.

 

Basically I want to get myself out of debt and asap, but want to do it my way.

 

Regards,

 

M

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  • 3 weeks later...

Hi,

 

This morning I have received a letter from Wescot saying that 'that the client wishes to receive information with regard to my dispute'.

 

In my opinion,

 

1. The client should already know what the dispute is.

 

2. As the dispute has been raised with another DCA, what right do Wescot have to see the dispute? I believe they have none.

 

3. Any previous communications I have sent should be held by the 'client' and if such that the client has lost these correspondence from me would breach the Data Protection Act.

 

Has anyone got advice to offer me in this situation? Would Wescot be breaching OFT guidelines by gaining access to information on a dispute held with another DCA?

 

Many thanks in advance,

M

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