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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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My car has still got outstanding finance


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I have been looking at this foroum and you seem to know alot about the problem iam in. I have recently bought a vehicle from a "friend". That person had owned the vehicle for about 18 month before selling it to me. I bought the vehicle about a month ago before I bought the vehicle i did a check on the car using mycarcheck. I was in a garage yesterday when they did theyre own HPI report on the vehicle and it came showing outstanding finance. The finance is not on the person that i bought the car from, but it is on the person that had the vehicle before that. I did ring the finance company and they stated that they have financial intrest in vehicle and are wanting it back. I am really scared and worried as the car has cost me £6000.

 

I am not being rude please only give advice or comment if you have been in simmilar situation or if you are 100% sure about what you say

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moved to the vehicle repro forum.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have aread inthis forum

 

it should now get some response being inthe rightforum

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OK if it's a hire purchase agreement there is a statutory mechanism by which you can legally claim ownership of the vehicle even though it would normally still belong to the finance company as their customer has never paid all his instalments and therefore never acquired ownership of the vehicle from them. Basically if::

1. You are not a trader

2. You did not know about the finance when you bought the vehicle

3. There was nothing suspicious about the transaction, e.g. vehicle unusually cheap

 

then you might be able to defeat the finance company's claim to the vehicle. The fly in the ointment is if there is something iffy about the sale by the finance co's original hirer. But that's somthing for the finance co prove. It's usual for the finance co to have some sort of questionnaire for you to complete detailing your acquisition of the vehicle so they can consider whether they might have to abandon their interest in it. Ask them, and then complete it and see what happens.

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Thanks for your quick reply, Yes thats exact what they said to me, they say they will send a questionaire for me to fill in. But surely if they wanted the car why did they not take it from the person i bought it from who had the car for 18 month and he didnt have it on fnance the person that he bought from had it on finance. How do i prove that i didnt know about the finance when i bought the vehicle and how do i proof how much i bought it for if i paid cash

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OK yes fill in the questionnaire. The reason they weren't looking for the car earlier is most probably because their customer was paying them for those 18 months and they had no idea he had sold it. Usually these things only come to light when the HP stops being paid and they look to repossess the vehicle, only to find it is registered to someone else. You prove you didn't know about the finance just by saying so - what else can you do? They will want evidence of the payment. If it was cash, there must be some evidence to support it e.g. bank statement showing a withdrawal. They'll want to see that.

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ok, I bought the car about 3-4 weeks ago until now i have not recived a letter from the finance company I contacted them on friday and told them that my Girl friend is the new keeper, i think at this stage they must of realised that the car has been sold on. Can they just come and towe the car from outside my girl friends house with out sending me any warning letters or any sort of letters

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