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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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HSBC - Agreement and Default Notice


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Hi there! Just a quick piece of advice please have had a final notice from my CC company and was wondering if you'd look over the DN and the final notice for me, have been told that the DN is invalid. And would like your opininon on them and advice on what to do next as their doing the usual threats by the 26th of this month etc!!!

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg

 

Thanks in advance for your help chaps!!!

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Hi there! Just a quick piece of advice please have had a final notice from my CC company and was wondering if you'd look over the DN and the final notice for me, have been told that the DN is invalid. And would like your opininon on them and advice on what to do next as their doing the usual threats by the 26th of this month etc!!!

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg

 

Thanks in advance for your help chaps!!!

 

I received the exact same documents (minus your information obviously!). This is what I sent after advice from Diddy Dicky, Pinky and Babybear:

Dear Sir

 

RE: Credit Card Number xxxx xxxx xxxx xxxx - Account in Dispute

 

I refer to your letter of the xxx xxxxx 2010.

Your letter is a clear intention not to perform under the agreement as you have asked for full repayment of all sums outstanding. This is an unlawful repudiation on your part. I therefore accept your repudiation and am now relieved of any obligations that existed under the agreement. For clarification I refer you to Sections 87 and 88 of the CCA 1974.

 

Kindly advise me of the amount of arrears that were genuinely outstanding at the time of your unlawful termination, against which I may have a counterclaim for damages.

 

I trust that this is satisfactory but if you require anything further please do not hesitate to contact me.

 

Yours faithfully

 

Broooooooooooooooooooooooooooooooooooooooooooooooooooooce

 

 

This is a letter I fettled myself so it may not be perfect!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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And how did they take that little piece of information? Not well i gather? Have phoned them and offered reduced payments etc which they basically said no to bless em!!! CCCs have offered to help with settlement but no way all 4 card companies are going to let that go for 10yrs till it's paid? Or am i better off letting it go to court and still pay over 10yrs?

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And how did they take that little piece of information? Not well i gather? Have phoned them and offered reduced payments etc which they basically said no to bless em!!! CCCs have offered to help with settlement but no way all 4 card companies are going to let that go for 10yrs till it's paid? Or am i better off letting it go to court and still pay over 10yrs?

 

No idea how they've taken it - only sent it last week. Sent same letter to Co-op a few months back and a copy to Fredericksons (who the Co-op sold the debt to) a the start of February- All quiet on the western front at the moment but who the hell knows!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Wish hsbc and mbna would understand that principal! but seriously which way should i go, i do value the opinions of the people on here! Dmp with cccs or try and get hsbc's written off? etc etc i know ultimately it's up to me but it's nice to have some people in my corner for a change..

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Wish hsbc and mbna would understand that principal! but seriously which way should i go, i do value the opinions of the people on here! Dmp with cccs or try and get hsbc's written off? etc etc i know ultimately it's up to me but it's nice to have some people in my corner for a change..

 

If folks on here are right, HSBC does seem to have made a balls of it. S.87 / 88 of the CCA does say you must be given 14 days after service - that must make yours and my DN defective. Diddy dick gave an excellent explanation as to why them then asking for the full balance is an unlawful repudiation. Basically he points out that the principle benefit you enjoy on a CC is the the credit, the ability to pay them back over a period of time. So by asking for all there cash back they've taken away the principle benefit you enjoy from your agreement / contract. They've repudiated there part of the agreement.

 

I've been trying to agree F & F's with HSBC & MBNA but they aren't biting at 15%. I just hope that more cock ups they make the more ammo it will give me to force their hand. Some would say don't pay HSBC a penny until they accept that all you owe is the arrears as at the date of the DN. It each to their own but you are in a stronger position now then before you got the DN and Final Demand.

 

A dmp with CCCS could be the way but remember CCCS are paid a commission of 11% by your creditors and will not be interested in anything to do with enforceability or dodgy DN's - they will only be concerned with your income and expenditure and ability to pay. It all depends on how cut out for all this stuff you are - the constant toing and froing is not for everyone.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Haven't got it in writing as yet that they are terminating the account, just the final demand for the entire amount plus charges, which people think is the same thing.. will continue to pay my paltry 50 pounds a month to them whilst this is going on or should i drop the amount! No wonder cccs were very keen to arrange this then, didn't realise they were getting paid by them figures really.... So should i send of that little letter you posted as is, and then take it from there? As they've treated me like cr@p i may as well try and throw a spanner in the works? Do i phone them or not? Oh and i'd better not sign it? or use altered signature?

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Hopefully they are terminating the account by doing what they are doing, but should i fire off broooooce's letter to put the account into dispute? and still pay off money towards the said debt or not? Thanks for your help!!!

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May be worth a go just to see how they like it, not that they will lose any sleep over it unlike i have!!!! So is broooce's letter okay to send with my details obviously!!! And i keep reading not to sign it? i'll just print my name?

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Hi Brooooce! Just a quick note please will use your template letter! Do i address it to the wonderful miss packwood? and send it to the address on the letter? And did you send it recorded or special delivery? Will post it tomorrow and hopefully put spanner in their works!!! thanks in advance

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Hi Brooooce! Just a quick note please will use your template letter! Do i address it to the wonderful miss packwood? and send it to the address on the letter? And did you send it recorded or special delivery? Will post it tomorrow and hopefully put spanner in their works!!! thanks in advance

 

I confess I sent mine my normal post with proof of posting. I'm pretty damned sure that those feckwits will ignore it and argue the toss. But at least I have a proven paper trail should they attempt to issue a new DN.

 

Have you CCA'd and SAR'd them? If not you really should. My HSBC agreement (that's a laugh!) did not contain the PT's so I beleive it's unenforceable, which is also the opinion of our solicitor who wants to act for us on no win no fee. I'll keep posting up my progress (or lack of it!) so that you know what I'm up to. I haven't paid them a penny for over 6 months.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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So send the letter! then request my cca or sar? cos the deadline is 26th april before the next set of threats!!!

 

Yep. But do them as 3 separate letters. I'm sure you'll get some other nonsense off them on the 26th - just hope its a formal termination notice, to add to your collection and paper trail.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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So send the letter! then request my cca or sar? cos the deadline is 26th april before the next set of threats!!! Ans should i then stop payments to them, or just pay a token amount? Lol how many phone calls and letters are you getting every week?

 

Just seen a post on Invalid Default Notices - have you CCA'd and SAR'd MBNA as well? I'm just about to send another letter to some numpty claiming to be Vice President of MBNA Europe - been waiting almost 300 days for a reply to my s.78 request - the statute says 12 days! On one of my cards they confirmed they had no agreement and blamed my old building society.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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No not as yet with mbna! they started off really bad then settled down once they knew my situation but i don't expect it to last but will send them a cca and sar letter whilst i'm about it!!! With hsbc should i wait till the 26th? or send em beforehand? And who and where do i send em too? Please... Your being a great help! As i've said i don't mind paying it all off it's the way they ignore and threaten you!! So may as well play em at their own game, worst case i still end up paying only what i can afford... best case i get nearly 20k wiped off!!! What was the post about with the invalid dn notice?

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No not as yet with mbna! they started off really bad then settled down once they knew my situation but i don't expect it to last but will send them a cca and sar letter whilst i'm about it!!! With hsbc should i wait till the 26th? or send em beforehand? And who and where do i send em too? Please... Your being a great help! As i've said i don't mind paying it all off it's the way they ignore and threaten you!! So may as well play em at their own game, worst case i still end up paying only what i can afford... best case i get nearly 20k wiped off!!! What was the post about with the invalid dn notice?

 

Send everything to HSBC, 365 Chartwell Square, Southend-on-Sea, Essex, SS99 2UU.

 

For the CCA - FAO Patricia Govier, Customer Resolutions Manager

For the SAR - Data Subject Access Requests

 

I'd send the letters now - the sooner you do the sooner they'll reply.

 

Regrettably my morals have moved on somewhat since I started all this last year. I'm only going to pay what I'm legally obliged to and then only what I can afford - I'm not going to be bullied by these legalised crooks!

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices-108.html#post2889474

 

His comments about MBNA are interesting. I also read a thread last night about another MBNA case

 

http://www.consumeractiongroup.co.uk/forum/mbna-successes/210580-mbna-write-off-10-a.html

 

Interesting reading!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Have you had the 'we are an American bank so UK law doesn't apply to us' yet?

 

Not yet! Can't wait for that one!

 

MBNA are being quite nice - agreed hardship, frozen interest and charges, requesting token £1 per month (which I won't be paying). A bit confused about why they are being nice - I wrote advising them that I am a certified fruit loop (or so a psychiatrict report says!) but also they admit no agreement on one account and the other is even older (late 80's). Who knows?!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Ah, there may lay your answer. OFT guidlines and CSA codes of conduct state that CCL holders and CSA members must treat people with illnesses and disabilties as vulnerable ;) So you're getting the VIP treatment to enable them to continue trading and boast that they're a member of the big boys club :D

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Ah, there may lay your answer. OFT guidlines and CSA codes of conduct state that CCL holders and CSA members must treat people with illnesses and disabilties as vulnerable ;) So you're getting the VIP treatment to enable them to continue trading and boast that they're a member of the big boys club :D

 

Hoorah! I did recently get Crap1 to accept at 15% f & f - which I suspect is again on the back of the fact that I'm a marble or two short.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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No not as yet with mbna! they started off really bad then settled down once they knew my situation but i don't expect it to last but will send them a cca and sar letter whilst i'm about it!!! With hsbc should i wait till the 26th? or send em beforehand? And who and where do i send em too? Please... Your being a great help! As i've said i don't mind paying it all off it's the way they ignore and threaten you!! So may as well play em at their own game, worst case i still end up paying only what i can afford... best case i get nearly 20k wiped off!!! What was the post about with the invalid dn notice?

 

A new letter hath arrived from HSBC (which I guess is what you'll be getting on the 26th). Blah d blah '..as I've not responded to their FINAL DEMAND letter my account is now due for placement with a specialist DCA.' Yippee! Contact us to avoid this etc etc. No timescale before instruction of DCA. Usual crap. Bring it on!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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