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    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
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    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
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unenforcable?


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Hi all,

I am new here so not quite sure what to do but will have a go.

 

I have a credit card debt of around £8000 (yorkshire bank) around 10 yrs old now which has been passed on to a debt collector.I have been paying a minimum payment on it . I have heard that some of these debts were/are unenforcable. Is this true and if so could anyone help by pointing me in the right direction on what to do to clear the debt?

 

Thanks

 

Kevin.

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Hi all,

I am new here so not quite sure what to do please help

 

I have a credit card debt of around £8000 around 10 yrs old now which has been passed on to a a solicitors for collection of the outstanding.I have been paying a minimum payment on it of £5 for yrs as i am on very low income. . I have heard that some of these debts were/are unenforcable. Is this true and if so could anyone help by pointing me in the right direction on what to do to clear the debt? I have read a few threads but my head is buzzing so much i am getting confused.

 

What i am really asking is there any way of clearing this debt?

 

 

Thanks

 

Kevin.

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There are certain circumstances where a credit agreement can be rendered unenforceable, the only way to check is to request a CCA from whoever is demanding payment now. http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

Was there any PPI on this a/c & have they added any unfair charges? If so it is possible to reclaim them + statutory interest thus reducing the remaining balance.

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Hi spanky

 

Welcome to CAG

The guys will advise as soon as they are available.

 

The debt will become unenforceable through the court, but will not disappear, but it might help you negotiate a Full and Final Settlement. Have you got any Penalty Charges or have you been mis-sold any PPI on the account since the account was opened?

 

You can send a SAR Request to find out.

 

Read (1), (2), (3) in my signature.

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Thanks rebel,

i posted another thread in general debt and after i had a reply i posted a cca request today to the solicitors who are controlling the debt.Was not sold any ppi and interest was frozen.The solicitors recently sent me a letter offering 20% off the debt for a full settlement but no way can i afford this.I am waiting for 12 days now to see if they reply so are you saying even if they dont reply in 12 days the debt wont dissappear?

 

cheers

 

k

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Cheers Cerberusalert,

i posted the cca today that you told me about in the other thread.So if they cannot produce an enforcable agreement does this mean they would have to take me to court and if so what is the usual outcome? Also what is classed as unfair charges?

 

cheers

 

k

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So if they cannot produce an enforcable agreement does this mean they would have to take me to court and if so what is the usual outcome?
They would need to show a court that a debt was owed & to do that they would need to produce an enforceable agreement.
Also what is classed as unfair charges?
Recent guidelines state anything over £12 but you should reclaim all charges anyway.
Also any idea what they may accept as Full and final payment as i read on another thread it may be as little as 5-10% but they have only offered me a 20% reduction which is 80% left to pay?
Which begs the question if they are so sure they have an enforceable agreement why offer any discount?

 

To answer your question though, it's a matter of negotiating really. Start at a low figure and work your way up to something you think is reasonable, in that way they think they've won one over. ;)

  • Confused 1
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Hi guys thanks for the help.

I agree it can be confusing but i posted this before i figured the site out so I will stick to this thread then if thats ok .Unless there is any way i can delete this thread and add it to my other one in general debt.

 

Q. If they cannot enforce and it goes into dispute are they able to put a default on my credit score with for eg. experian?

As my credit is good now and dont want to spoil it.

 

k

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  • 3 weeks later...

Hi spanky,

 

I'm sure they have 12 days +2 (for posting) to get back to you on this. As this has now passed they are in default. I would send off the dispute letter (Recorded) http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

I would also stop all payments you are making. If they can't keep their end of the bargain then why should you :)

IF they DO manage to provide you with an agreement (which is highly unlikely) then post it up (minus your personal details) and somebody will check it to find out if it is enforcable.

  • Confused 1

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

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Q. If they cannot enforce and it goes into dispute are they able to put a default on my credit score with for eg. experian?

As my credit is good now and dont want to spoil it.

 

k

 

Yes, sadly. They can do 'pre-enforcement' activities but it's all basically hot air. And you can mark it on your credit file as 'disputed'.

 

If im wrong here someone please jump in.

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  • 2 months later...

Hi ALL,

I posted the dispute letter on 31stMarch and since then have had a reply basically saying that my portfolio has been re assigned to a different company.Does this mean I have to send the cca request again to them and start again?

 

cheers

 

k

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Hi ALL,

I posted the dispute letter on 31stMarch and since then have had a reply basically saying that my portfolio has been re assigned to a different company.Does this mean I have to send the cca request again to them and start again?

 

cheers

 

k

 

No it shouldn't as you have already sent the CCA request to them and the account is dispute letter. If you get a letter from another company saying they are now chasing the debt then send this http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

That should sort out the new DCA (it has for me in the past).

 

Hopefully more people will be here soon to give more advice :)

Edited by sploits

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

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Hi ALL,

I posted the dispute letter on 31stMarch and since then have had a reply basically saying that my portfolio has been re assigned to a different company.Does this mean I have to send the cca request again to them and start again?

 

cheers

 

k

No, if another company contacts you & you still haven't received a CCA send the new company this; http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency
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Hi Spanky,

A word of caution here - if, as you say, your credit record is important to you then it's not adviseable to stop payments at this point.

Unfortunately fairly recent test cases have established that they ARE allowed to place defaults, issue a default notice and subsequently demand the full balance and sell on the debt while the account is in dispute. Paradoxically, they CAN also issue court proceedings but the court is prevented from making an enforcement while the dispute exists.

 

Most people who stop paying have multiple debts and have made an informed decision that they do not care about their credit records. Or have such a low income that they have little choice.

Stopping paying can however focus the creditor/dca's minds and make them more likely to agree to a lower, interest free repayment scheme or full & final payment.

The choice is yours, but make sure it's an informed choice.

Do your own research and make sure you know what you're doing before you do it. Read and understand the letters you send.

 

Start here, with the OFT guidance on CCA Requests, and have a read of my debt threat blog linked below.

kind regards,

Elsa x

PS...I would also send a SAR as advised earlier, to establish how much of this debt comprises unfair charges, and claim back with interest to reduce the debt.

OFT-section77-79Requests.pdf

Edited by Undercover-Elsa
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undercover,, how does one go about re-claiming unfair charges... especially if the debt is assigned / purchased by a DCA. I only ask as i have a Over-draft with at least £300 of unfair charges but it is in the hands of Marlins now..

 

I have just told Marlins they will only get £xxx.xx less the £300 ??

 

Best of luck Spanky

[sIGPIC][/sIGPIC]Happyhippy1959

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hi Happy Hippy,

Overdraft charges are a tricky one since the OFT test case. Govan Law Centre is trying a new tack in Scotland but the situation in the rest of the UK is pretty static, with many cases on hold. I think the only ones that are moving are pretty inarguable hardship cases.

Credit cards charges are still being reclaimed though.

 

Elsa x

 

PS Here's the latest update on MSE:

 

http://www.moneysavingexpert.com/reclaim/bank-charges

 

and Govan Law Centre:

 

http://govanlc.blogspot.com/2011/05/bank-charges-fight-still-alive-glc.html

 

And the FOS:

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/financial-hardship-unaffordable-lending.htm#2

Edited by Undercover-Elsa
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