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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

dchambers V Alliance & Leicester ***WON***


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28 days from when issued.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just asking

Is this the right part of the site to ask about Alliance&Leicester credit cards?

If so can you claim for late payments and going above the limit charges?

How do you sort out the extra interest they/ve charged when they charge for these charges?

Is this the 8% interest?

 

Diane

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Too true!!scary isn't the word.I'm terrified of anything to do with court etc but

if I've got to go I've got to go.I'm sick of people taking our hard earned money

and us having to work constant overtime to pay for charges.Overtimes OK when you can get a holiday or something for the house with it but to have to do it to live and pay charges just stinks

 

Diane

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This is where I'm up to now

21 Aug Sent Request for payment of charges

 

25 Aug A&L replied saying no

 

4 Sep LBA sent

 

6 Sep A&L still saying no

 

15 Sep Money claim sent

 

18 Sep claim issued

 

22 Sep A&L acknowledged claim

 

26 Sep recieved letter from court for acknowledgement of service with box ticked for I intend to defend all of this claim signed by Ian Brunt A&L solicitor

 

 

Does this sound like all the other claims?

 

Do I wait 28 days from 18 Sep when issued

or 28 days from 22 Sep when acknowledged

 

This sounds the same as the claim i did....

Just need to wait now

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Just asking

Is this the right part of the site to ask about Alliance&Leicester credit cards?

If so can you claim for late payments and going above the limit charges?

How do you sort out the extra interest they/ve charged when they charge for these charges?

Is this the 8% interest?

 

Diane

I believe that their credit cards are run by MBNA now, although it used to be A&L themselves. There is a forum for MBNA, but the principle is the same and some people have got excellent results by sending one letter and a phone call, and they will calculate it all for you including contractual compound interest which bumps the claims up quite a bit. leebrennan claimed from A&L and also had a cc thread for MBNA and was very successful.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro

The reason I asked the question is that last night about 8.30 pm I got phone call from MBNA[i think]saying that I was in arrears for £20.42 on my repayments on my credit card.The fact is that A&L take £32 a week out of my bank as agreed with them some 12 mth ago to pay my card off.

They bounced a payment for £32 and charged me £34 on the same day and are now for some reason demanding I pay arrears of £20.42 or they will send my account to a bad credit file!!!

I explained that I wanted it in writing as to where these arrears had occured and that I wasn't prepared to pay on my debit card over the phone for something that I didnt have in black&white as there were too many scams going on

The lady [who was a foreigner] and I had difficulty understanding her] wasnt pleased and said that I would be put on the bad credit file and that it would be a very silly thing to do

I explained that it would be a very silly thing to do to pay it without a bill and proof as to who it was that was phoning me

This made me decide to look up the charges on my statements and I have come to the total of £1000 and thats with some statements missing so as soon as I have some end to the claim already in,then I intend taking the cheeky buggers for these charges

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Good for you, dchambers.

 

I am just beginning this business with the proviso that A&L deny receiving the initial form and Appeal letter their Helen Clarke instructed me to send on 8 September.

As they also cut off my Internet Banking during my 6-weeks' absence, I am unable to know what they have done/are doing, but money still goes in fortnightly and the account is in credit, though not responding to Hole-in-wall.

I have heard nothing from them since my return.

SO , IT'S COURAGE AND ENDURANCE TIME.

YOU HAVE IT!

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Hi Diane

 

Your moneyclaim is exactly the same date as mine. Issued defence on the 18th of September so would have due 16th October. I received a cheque on 29th September for the total amount plus the £120 moneyclaim fee. They didn't pay the 8% thats added on in Moneyclaim and apparantly I can continue and claim that as well.

Good luck

Rob

6/06/06 Data Protection letter sent, 18/07/06 Statements Received Total Charges £1,543.25. Int £366.13, 01/08/06 First request for repayment sent, 03/08/06 No you can't have your money letter received, 31/08/06 sending LBA, 05/09/06 Our charges are fair letter received, 14/09/06 Moneyclaim filed, 18/09/06 A&L say they will defend.[SIZE="1"][/SIZE] 29/09/06 Settled without interest, 6/10/06 Letter to A&L requesting further payment of £362.47 to settle

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Thanks Caro

The reason I asked the question is that last night about 8.30 pm I got phone call from MBNA[i think]saying that I was in arrears for £20.42 on my repayments on my credit card.The fact is that A&L take £32 a week out of my bank as agreed with them some 12 mth ago to pay my card off.

They bounced a payment for £32 and charged me £34 on the same day and are now for some reason demanding I pay arrears of £20.42 or they will send my account to a bad credit file!!!

I explained that I wanted it in writing as to where these arrears had occured and that I wasn't prepared to pay on my debit card over the phone for something that I didnt have in black&white as there were too many scams going on

The lady [who was a foreigner] and I had difficulty understanding her] wasnt pleased and said that I would be put on the bad credit file and that it would be a very silly thing to do

I explained that it would be a very silly thing to do to pay it without a bill and proof as to who it was that was phoning me

This made me decide to look up the charges on my statements and I have come to the total of £1000 and thats with some statements missing so as soon as I have some end to the claim already in,then I intend taking the cheeky buggers for these charges

 

It might be as well to write to them and tell them that you are placing the account in dispute as you do not agree with the balance due to unlawful charges and get the ball rolling. They should not take any action until the dispute is resolved.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just recieved reply to an email I sent to the MCOL claim

My claim was acknowledged by A&L on the 22 September with intention to defend and I am allowed to put in for judgement on the 22 October after 4pm unless I receive anything regarding going to court

Hopefully awaiting cheque!!!!!!

 

What do you think.Do I stand a chance????

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I will be gobsmacked if you don't!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just recieved reply to an email I sent to the MCOL claim

My claim was acknowledged by A&L on the 22 September with intention to defend and I am allowed to put in for judgement on the 22 October after 4pm unless I receive anything regarding going to court

Hopefully awaiting cheque!!!!!!

 

What do you think.Do I stand a chance????

 

You've prepared your case.

You've given the bank the opportunity to respond - twice.

You have right and the law on your side.

 

How can you lose?

 

I suspect you will get a cheque at the 11th hour 59th minute. I got mine just before I set the bailiffs on them.

 

Stay calm and follow the process - you're almost there.

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Thank you all so much for encouraging me

Its not easy to find these days that people stick together so much and help one another

If only the banks would be like us on the forum then they wouldnt have all the hassle of people asking for their own money back and having to research all the paperwork and paying the solicitors costs

Anyway after all my moithering I came home from work tonight to find yet another letter from the A&L

Oh hell I thought another letter for bank charges

But NO!!!!

A CHEQUE FOR MYCHARGES FOR THE LAST 6 YEARS!!!!!!!!!!!!

HOORAY at last I have some savings in my new bank account!!!!!

I'll be donating as soon as it clears and am considering 3 more claims for credit card charges,

As everyone kept telling me DON'T GIVE UP YOU WILL WIN IN THE END

and thanks again

I couldn't have done it without all of you

 

KEEP CLAIMING

Can someone put this on the successes for me please

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Guest Battleaxe

Well done Dianne.

 

I decided not to pick my lot one at a time, decided to go for broke withthe lot of them, so I am going to busy over the next weeks writing the letteers and filling in spreadsheets.

 

I am so glad someone has had their day made.

 

Phillipa

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Brilliant Diane. I am pleased for you. Don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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