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    • 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?  
    • I see what you mean. I will wait till the 8 weeks is up and then take it up with FOS. Before I do will be on with some more details on the SAR. Thank you once again. 
    • Tagging @stu007 who's great with this. You should have at least 2 months notice with a Section 21 notice (Which Form 6A is used) For now, scan, redact and upload anything you think will be useful    
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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.
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Fraudulent use of signature?


dpjg3982
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I mean that it is a legal requirement for them to possess a Consumer Credit Licence, and there are serious penalties for them not having one.

 

I am unable to find any trace of the company that you mentioned on the searchable database. Hopefully other Caggers will confirm. If they really don't have one, you won't be needing to pay anything, that's for sure.

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Lending money without a licence is illegal. If you suspect someone is a loan shark you should report them either by phone, by text/SMS or via email.

 

Stop Loan Sharks : Directgov

 

I don't think you should wait for the bank to contact the police, I think you should go and see them yourself as soon as possible. Definitely report them on that link above, and also report them to Trading Standards.

 

And stop all payments to this mob, I don't think you'll be needing to worry about this alleged debt :)

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I have just reported the situation to the link via e-mail

after reading some other threads on here i see i am not alone with these people however the worrying part was reading that natwest don't seem to be interested in the situation

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however the worrying part was reading that natwest don't seem to be interested in the situation

 

Because of that is why you should report it to the police yourself. The whole banking industry is desperate to keep under wraps just how widespread fraud really is :mad:

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I will phone natwest on monday and ask for an update and advise that i have read that my case is not the only against these people and ask if they have reported it to police as if not I will be doing so myself

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I will phone NatWest on monday and ask for an update and advise that i have read that my case is not the only against these people and ask if they have reported it to police as if not I will be doing so myself

 

I wouldn't expect too much from NatWest.

 

You need to:

 

Go to the police.

 

Involve your local Trading Standards regarding:

 

The money that has been taken.

 

That you suspect the company does not have a Consumer Credit Licence, (A search of the OFT's Public Register shows no licence for Checkbook Loans Ltd, T/A Chequebook Loans).

 

David

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  • 4 weeks later...

A brief update on my reporting - There is none I have chased all parties and had no response. Only ones are cheque book loans sending e-mails, txt messages and tried to take money again (luckily i had moved all my money out my account)

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So you still haven't been to the police you was advised a month ago what to do they are stealing off of you.

Something fishy here.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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you initially said you had signed a standing order for 40 per month

 

later you said "i agreed to payments of 40 per month from my debit card"

 

debit card transactions have to be done one at a time

 

when you signed the "standing order" was this sent to you from your bank or from chequebook loans?

 

it is unlikely that chequebook loans would send you a SO instead of a DD

 

is it possible that you are confused and have signed a variable amount direct debit?

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The only paperwork I signed was upon application

The payments have always been taken using my debit card which when I cancelled the card due to entering a DMP this problem occurred as they couldn't take any money

There was never a direct debit form signed

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Also, I have a copy of the form they submitted to the bank which is a standing order form trying to take £200/month until further notice with signature and date taken from application

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  • 11 months later...
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