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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • dx100uk
      Santuary Housing

      By dx100uk · Posted

      go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      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.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      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  
    • dx100uk
      Debt advice

      By dx100uk · Posted

      lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • dx100uk
      Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form

      By dx100uk · Posted

      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?  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Silly boy

machinist

By machinist
in Debt Collection Agencies

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machinist

machinist

Posted
Posted

Hi Guys,

I was a silly boy in my third year as a student and took out a few credit cards which i couldnt pay, and a littlewoods account. But a few months ago i decided to deal with it, rather than not do anything about it. I have blair oliver scott who keep sending me threatening letters for a debt of £630 and some company called capquest who littlewoods(very) have sold their debt to which is another £600. I managed to bring the littlewoods account down to £350 before I couldnt afford to pay anymore. I could get my parents to help me out, but I think I need to deal with this myself to learn from this mistake. I've got a job interview this week, which I should hopefully get. But how should I deal with these clowns, I've read tons of your forums and I'm not scared anymore which I was before. I want to pay as little as I can for now, because I'm saving up for travelling in november. But i think I could clear the debt in two months wages hopefully. Also i hade £78 letter from a company collecting from vodafone, but I want to dispute that as I'm sure i settled everything vodafone before I finished with my contract. Please help.

 

:(

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sploits

sploits

Posted
Posted

Morning machinist.

 

On the credit cards and littlewoods account have you asked for the CCA's (credit agreements)? No CCA then no enforcable debt.

 

Its good to see that you aren't scared anymore. I was the same as yourself. Scared sh*tless because a DCA was hounding me for money. After doing some research I too ended up on this forum and it has been a god send to me.

 

With Vodafone I think you could ask for a statement of account. That would give you your supposed charges and then you can look into disputing it.

 

Also good luck in your job interview

 

Sploits :p

<----------- If I have helped in any way please click on my scales :p

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machinist

machinist

Posted
  • Author
Posted
Morning machinist.

 

On the credit cards and littlewoods account have you asked for the CCA's (credit agreements)? No CCA then no enforcable debt.

 

 

How do I go about doing this? Can anyone point me to a template letter that I can send off to these clowns?

 

 

Thanks guys

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sploits

sploits

Posted
Posted

Certainly machinist

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

send a £1.00 postal order (NOT A CHEQUE) and make sure you send it recorded delivery. That way you have a paper trail and they can't deny ever recieving it from you.

<----------- If I have helped in any way please click on my scales :p

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MARTIN3030

MARTIN3030

Posted
Posted

Vodafone posted issues now moved to telecoms forum.

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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locutus

locutus

Posted
Posted

This is the thread for anyone wishing to follow this.

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-internet/260907-user-machinist-vodafone-problem.html

  • Haha 1

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machinist

machinist

Posted
  • Author
Posted (edited)

Hi lee,

I will sort that shortly. I've been snowed under this week.

 

 

Update

 

In the meantime, I got a letter from "h+l legal solicitors" with capquest information on the back and by the looks of it it looks like some micky mouse template. Shall i still send of my cca request to capquest and ignore them or deal with these numptys. Also they say in the letter I have to pay for solicitors and court costs? Is there much chance of them taking me to court for £650 debt. I'm a tad worried.

 

 

 

 

Regards,

 

Machinist

Edited by machinist
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locutus

locutus

Posted
Posted

I think you've answered your own question there... I've had 1 DCA try to take me to court over £1200 (online using Northampton's service), and I submitted that I would be defending and they dropped it.

 

I think some of them do take court action relying on people either buckling and contacting them with a repayment plan or they want win the court case by default with no-one defending.

 

Intimidation and fear are their greatest weapons, (Which is lucky for them because if it was intelligence and hard work they'd all be bankrupt!) and they use them just like a schoolyard bully. Just like the bully, stand up against them and they'll crawl back under the rock from whence they came :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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MARTIN3030

MARTIN3030

Posted
Posted

H&L legal and Capquest are one and the same.

Theres no shortage of info on them in these forums.

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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locutus

locutus

Posted
Posted
H&L legal and Capquest are one and the same.

Theres no shortage of info on them in these forums.

Another bully boy tactic... try to make youself seem important so you can pick on people :razz:

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

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MARTIN3030

MARTIN3030

Posted
Posted

Yes then theres the Teleograms-the stat demand threats-charging orders and threats of BR.

Now and again we see increased activity after they block buy.

Theres no shortage of success stories either from CAG users.

Winchester Trading Standards must have their work cut out-although they advise contacting CD.

 

What is always concerning,is given the volume of Capquest victims we see on CAG-there must be a large number of others who they frighten into paying them...with all their various tactics.

 

I am amazed that given the number of complaints we have seen,and Capquests clear non compliance to upholding codes of practice and regulatory guidelines,how they are still operating.

 

All the more reason every instance that warrants a complaint-is carried through.

 

Only this way will things change.

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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  • 4 weeks later...
machinist

machinist

Posted
  • Author
Posted

Hi Gang, sent my cca letter fews a go to capquest about my very account, for which I know I did not sign an agreement with and they sent me this with a credit agreement copy for which i should have signed lol. This was from a shop finance direct.

 

Dear Mr . ..,

 

Unfortunately we could not locate a copy of your executed agreeement(because there isnt one!), but for your information we enclose a copy of the current agreement which is applied to this type of account. The version includes all contractual variations which may have taken place.

 

 

According to our records the account was on this day ... and payments were meant to be made every 28 days.

 

 

As the debt remains unsatisfied, this will noted on our internal file for future reference.

 

 

This information will also form part of your records at the credit reference agencies where we share information. This information will remain in your credit reference file for 6 years.

 

 

Your sincerely,

 

 

Bla bla.

 

 

 

My question now is what happens, next, I know now without a cca they cannot enforce a debt. Is there another letter I need to send out the capquest muppets?

 

 

Regards,

 

 

Machinist.

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