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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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GE Money PPI on Mortgage & a Secured Loan


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Good Evening Dougal, I think you will find it is I that has the tiny brain :)

 

I am not thinking very straight at the mo, so apologies for seeming so very stupid, I promise I am not always like this (I think :rolleyes:)

 

You have been a great help - thanks

 

Deli

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OK Part 2 lol

 

Received more documentation from them today...! my files must be enormous at GE! anyway I have some printouts from them, now these are going to take me a while to go through them. I thought that when i took out the secured loan that we hadn't taken PPI, but it looks like it was and is added to the loan...to the princely sum on over 5700 :eek: so i am also paying interest on this. I really can't remember asking for this as I more often than not stipulate that I get paid for being off sick and therefore i dont see the need. How do i know if i agreed to this? Also, The loan term is 156 months, but the insurance expires on 23.1.12??? erm doesnt sound right to me?

 

Any suggestions as to what i am looking for with this would be greatly appreciated.

 

Deli x

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  • 3 weeks later...

Has anyone looked at the above and can help at all?

 

Also, had 2 calls from them today over the same account, now he has just told me that the letters that they are sending out today carry a £25 charge per person on the account! So me and hubby, £50 for them to tell me i am in arrears that i know about and have an arrangement in place for? also they tell me that i am on verge of litigation where they will send our files to their solicitors? what the?

They actually broke an arrangement a couple of months back not me! When i complained they phoned me and asked would i accept £50 compensation that I have to date not received. These are pure muppets! grrrrrrrrrrrrrr

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  • 2 weeks later...

Hi there,

 

Can anyone advise me?

I am a bit confused after the recent rulings etc.

 

I wrote to my mortgage company on 23rd November asking for my charges back. Gave them the 14 days but I have had no reply at all.

 

Am I now sending a letter before action? Can this still go ahead?

 

Any help would be appreciated.

 

x

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  • 2 weeks later...
  • 2 weeks later...
  • 5 weeks later...

I was about to update this.

 

Got a letter from them enclosing a copy of a letter they said they sent to me back in December but i never received.

 

They have just said that they deem their charges to be fair basically, so i need some advice as to where i stand now and what is my next move. Can anyone help?

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I was about to update this.

 

Got a letter from them enclosing a copy of a letter they said they sent to me back in December but i never received.

 

They have just said that they deem their charges to be fair basically, so i need some advice as to where i stand now and what is my next move. Can anyone help?

 

Good morning

 

I suggest that you write to them quoting the punishment given to GMAC buy the FSA - it works wonders...! If you Google GMAC it may surprise you...!!

 

I suggest also that you say something along the lines of ...'I am concious of the ruling in the recent decision made by the FSA against GMAC, and in the light of this would like to open a dialogue with you concerning the charges applied to my account.'...

 

Then I suggest the closing line should be...'in the event that you feel unable to respond in a positive vein, I reserve the right to refer this matter together with details of other claimants in an identical position to the FSA without further notice.'....

 

Finally....' I look forward to hearing from you within 28 days of the date of this letter.,'

 

Send by 1st class recorded delivery, (or if you feel a bit flush..Next day Special delivery..!!), sit back and wait....

 

I can guarantee that you will hear from their solicitors that bunch of wa*kers 'Eversheds'. Be very wary of them, they are a very crafty bunch - but they are easily overcome!!

 

Best wishes to all as usual

 

Dougal

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  • 3 months later...

I know I was slow on the uptake here, but have sent a letter to GE money asking them to look at the charges again and quoting the gmac stuff.

Have had a letter back to say that they are looking into my complaint and endeavour to get a reply to me by 25th June!

 

Will wait and see but not hopeful that they will pay up, my luck just isnt in at the moment.

 

Will keep you posted

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  • 1 month later...

Hi, Delicarik,

 

I can't understand why you have not yet escalated your complaint to the courts to reclaim your charges.

 

From what you say, your claim will be at least £1200, with additional interest, maybe as much as £2000? This will cost you less than £100 to claim back at the courts, (it will take a few hours to research and write the Particulars of Claim),you will receive the money back and they will have wasted £100s on having to pay a solicitor to defend.

 

Otherwise, I can't see them past fobbing you off for another 8 months, then another . . .

 

BAE :-)

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I think you are right there, and this must be the route I now take as they have written to me and said the following:

 

They said they sent me a response on 12th December and that they never received a response (I always respond so baffled by this)

 

They have reviewed the account and can see it has been in arrears and that the charges applied to the account when arrears reach a certain level and reflect the general cost to them of maintaining a dedicated department for accounts in arrears. The cost is a result of contacting us by telephone, setting up arrangements, monitoring my account for payment and sending out letters.

 

The £40 admin fee is applied every month my account is in arrears.

TFor each direct debit missed, various(!) costs are incurred. I incurred costs when they tried to repossess my house and the solicitor sent invoices for the work carried out (I haven't asked for these fees back - should I?)

 

They then assure me that all their fees are applied within the terms and conditions of my mortgage!

 

They also know that their answer isn't what I was hoping for but they are confident that I will understand why they are unable to refund the charges.

 

 

Advice please? Should I proceed to court?

 

Thanks

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They have reviewed the account and can see it has been in arrears and that the charges applied to the account when arrears reach a certain level and reflect the general cost to them of maintaining a dedicated department for accounts in arrears. The cost is a result of contacting us by telephone, setting up arrangements, monitoring my account for payment and sending out letters.

 

 

Hi,

 

If they are so confident about their charges, why will they not allow them to be assessed in court? The above response simply adds weight to your claim as it is such a nonsensical argument.

 

When it gets to court you can ask for a court order for them to produce detailed accounts of how they calculate the £40 charge etc - and they will provide nothing.

 

Because they lied.

 

And you will win.

 

BAE :)

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HI, delcarik,

 

You can make a claim online, through the Moneyclaim website, or apply directly to the court nearest you.

 

My preference would be to go direct through a court as there is a word limit to your Particulars of Claim with Moneyclaim.

 

http://redirectingat.com/?id=3236X604245&xs=1&url=http%3A%2F%2Fwww.hmcourts-service.gov.uk%2Fcourtfinder%2Fforms%2Fn1_0102.pdf&sref=http%3A%2F%2Fwww.consumeractiongroup.co.uk%2Findex.php%3Foption%3Dcom_content%26task%3Dview%26id%3D138%26Itemid%3D82

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Firstly, you get a N1 claim form from the HMCS.gov.uk website or direct form your nearest county court.

 

The claim form is fairly simple. It will ask you for standard details about the amount you're claiming, the name and address of the defendant etc.

 

The only hard part is the Particulars of Claim, which your claim rests on, and needs to include details of the Acts you're relying on etc.

 

Once the form's done, make 2 further photocopies, including the PoC, and take them down to your county court. They will tell you the cost of making the claim, which is dependent on how much you're claiming.

 

Pay the cash. Get a receipt. Sit back and wait . . .

 

If you do decide to go for it, there may be others on here who will post ideas for your PoC.

 

I will post the PoC that were successful for me if you wish, and I would also suggest you scan the site for further ideas, particularly with regard to GE and recent developments.

 

Finally, be careful of posting too much information on here as GE may be one of the companies known to trawl the site and try to use posts against their 'valued' customers. PM (private message) a moderator if you're not sure whether to post something which may be sensitive.

 

Good luck!

 

BAE :)

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