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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • 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 
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welcome finance Problems


abi_cutie09
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My thread title has changed! I didn't change it! I guess a MOD changed it.

My appologies if there was a problem with my thread title!!

I didn't recognise my own thread in my email box.lol

Edited by abi_cutie09
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I just wanted to clarify something for my own mind, regarding the forged sinatures on the hp agreement,

When I signed my hp agreement I only remember signing once, so did they photocopy the agreement for their reference, or was it carbon copy,or would I have signed my copy and then signed their copy? What I am getting at is, should the signature on my copy be EXACTLY the same as the copy they sent in sar?

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My thread title has changed! I didn't change it! I guess a MOD changed it.

My appologies if there was a problem with my thread title!!

I didn't recognise my own thread in my email box.lol

 

 

I changed it-and my apologies too for not informing you-I was called away while sending you a pm.

Its nothing personal-just the R word is a bit OTT ;)

Hope you will understand sometimes we are all tempted to say what we think but as a team guy I have to think of liability here !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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HI can anyone advise me? Postggj is off line for a few days I think, Post was going to do a specific letter (regarding commision)to send welcome, I don't know what the letter should say,

And Welcome think I am going in their office on friday, partner told them that to shut them up,they were calling all day every day upto 10pm.

Any ideas how to stall welcome until I get this 'specific letter'.

 

What should I do now? Any advise is appreciated,

Thanks :)

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How is a letter of dispute worded? Do I just list all of the things wrong with the account,? Or does it have to have any reference to consumer laws?

I really am stuck now, don't know what to do!!

Did anyone else have signatures forged in the sar, what was the outcome?

 

ABI

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Hi abi, can't help you with a dispute letter but the signatures on my cca request were different from the original we had.

 

We queried it alongside our Insurances claim (amongst other things) but never had an answer for it. We haven''t pursued it as Welcome have agreed to pay back the ppi and other insurances and i'm pretty sure the only way to resolve the signature aspect would be to take them to court to claim damages.

We decided we were happy with claiming the insurances back as it cleared our account and we were not prepared to go to court with it as we really just wanted them off our backs and we were wary of how long it would take and how realistic an expectation of compensation from them would be considering their unstable situation at the moment.

 

Also we couldn't say with 100% certainty that we only signed one agreement, they may have had two copies we had to sign... we just can't remember. We weren't prepared to pay out for a forensic handwriting expert only to find we had made a mistake.

 

Good luck! Hope you succeed!

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Hi emmilou, thanks for your response, regarding the signatures, my personal loan agreement matches exactly with their copy, but it appears that all the documents todo with my hp, the signatures don't match with the copies sent in sar, the statement of price etc. I'm sure there is something dodgy about my hp,

I will work it all out eventually, It is just a little scary when I don't fully understand all of my rights, The CAG has been a god send to me!!

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abi,

 

i have my own thread ongoin (welcome finance unenforceable loan???), somebody has very kindly posted the dispute letter on there for me as i am soon to be at that stage, so if you go on and have a look and amend accordingly to suit your own circumstances

 

hope it works, good luck

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Hi,

I am new to this site today in desperation as I have recieved a court notice from welsome for 28000!! I only borrowed 10000 in 2005! as a secured loan. My house got reposessed by the bank a few months later and welcome say the indemnity fee does not apply as they did not force the reposession! any ideas what to do as I am loosing all hope. I have to send the court a reply asap.

 

Thanks

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Hi Postggj, If you are reading this, sorry to bug you, but I just wondered if you have the 'special letter' for me?

I'm not sure how to word the part about commision.

Thanks again for your help, hope your dongle is feeling better soon.

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a woman from local office called lastnight, spoke to her she is claiming that my hp agreement has over £800 ountstanding to get it upto date, I believe i am only outstanding by octobers payment £272, I told her that £800 doesn't sound right to me, she said i need to come into office to look at a statement! She was very abrupt with me. she said I need to pay atleast £272, she asked what i am going to about payments, I said she should give me standing order details, she said she won't give them to me, but she will send a direct debit mandate.

she said I should come into office today, I said I would try, She is going to start calling soon, as i have not been in yet! dont

know what to do anymore,and she didn't even mention my personal loan!!

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hiya abi, I had a row with my account manager today told him that im going into dept management programme he wasnt happy i told him enough is enough i offered a settlement which i thought was a fair offer but they declined it so im going down the route of debt management, I totally understand where u are coming from they are a nightmare.

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Hi Guys i dont know much about this or the leaglaities as am fairly new however i do know that they are bullies and will try and get to pay by pressuring you. I would never go in and see them neither would i speak to them on the phone. If they are starting to be rude and pushy then get them to put everything in writing and do not take their calls. There are letter templates in here.

 

I havent read all the thread so sorry if you knew all this already.

 

Have you sent them a CCA request or SAR'd them?

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hiya abi, I had a row with my account manager today told him that im going into dept management programme he wasnt happy i told him enough is enough i offered a settlement which i thought was a fair offer but they declined it so im going down the route of debt management, I totally understand where u are coming from they are a nightmare.

 

Hi Kupcake, I know they are a nightmare, have you managed to start your own thread yet? once your thread is up, people will be able to advise you,

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Hi Guys i dont know much about this or the leaglaities as am fairly new however i do know that they are bullies and will try and get to pay by pressuring you. I would never go in and see them neither would i speak to them on the phone. If they are starting to be rude and pushy then get them to put everything in writing and do not take their calls. There are letter templates in here.

 

I havent read all the thread so sorry if you knew all this already.

 

Have you sent them a CCA request or SAR'd them?

 

 

He who dares, I have done a cca and a sar, cca came in the sar, but the signatures don't match mine.

I think I will send them the harassment letter because they call so many times in a day it's unbelievable,

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Hi postggj, I have just noticed you are online!:)

I don't mean to harrass you, but just wondered if you have the magic letter for me? welcome local office are now harrassing me for direct debit mandate and payment, she is claiming i owe £800+ on my car, that cant be possible, I don't know what to do!!

 

I hope your dongle is better now!!

 

If you can please help me, I will be so greatful!!

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:Dbump:D

 

postggj please can you help me when you get 5minutes?

 

Really need help putting a letter together regarding commision and forged signatures.

 

I have read wilson v herstanger, it's very interesting, but I just don't know how to word this letter. Welcome will start calling again tomorrow trying to get me to set up direct debit, she is becoming very pushy, please help.:)

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Abi

 

Dont alert the **** to the forged signatures just yet.!! ..i would keep that up your sleeve..if ever you need it!!

 

RE: the commission, have they sent you the underwriting sheets??

i would try and hang fire with your letter and wait for post for another day or so...looks like he's having a pc/dongle nightmare again!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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