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    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • 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.    
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Zinc Group - Harrassing phone calls please help


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Has anyone had any dealings with Zinc Group, I keep getting phone calls from these people up to 5 times a week leaving messages on my answerphone saying I need to call them back quoting reference number ........ saying its imperative I call them back.

 

I however do not have any intention of calling them back as I know they are cowboys. What I'd like to know is how they have got hold of my mobile number and also home number.

 

How do I get rid of these harassing calls?

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although telephone calls five times a week when you don't want them can be a nuisance, I'm afraid that I don't think anybody is going to say that it amounts to harassment.

 

Harassment is when you are getting several telephone calls every day and most days of the week and often including evenings. If you read through the tales of telephone harassment that we have on this website, you will find some people even talking about 20 phone calls per day. Some people are suffering from silent phone calls even though these have been condemned and even though for instance, Barclays was recently fined for computer-driven, automated silent phone calls.

 

As for the problem of where they got your telephone numbers from, DCA's are pretty good at finding out all your private information. There really not very bothered about your privacy and about your rights when it comes to this kind of thing. You shouldn't be surprised.

 

What you should do if you really want to stop this to start off by writing them a formal letter telling them that you're not prepared to do anything on the telephone and that they must write to you. They may not take any notice, but at least you have evidence that you have written to them and if later on you have to make a complaint, it is important to build to show that you have communicated and you have told them that you don't want to be telephoned.

 

The other thing you should do is keep an exercise book by the telephone and make a log of every call is received – includingwho from, the time, the date, anything that was said by any party. Actually even better than this, you should install a call recorder – preferably a trueCall which although it is a bit expensive, we'll keep your log for you, will screen calls, will block calls, will answer calls and will record them for you if you want.

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They seem to have been around for about 3 years.....and the guff on the website saying words like 'self styled', 'performance control' 'modular process to increase staff head count' and their 'unique' dialler system....'blended dialler front end distribution'....so basically they do very little else that others claim to do already, and it's staffed up by ex Apex, Buchanan Clarke & Wells, Intrum Justitia, AIC employees....

 

Have you received anything in writing from them ? or have they just got your telephone number ? Make sure you write down the dates and times they call you, and if they have contacted you by writing then send them the harrassment letter (a link to which you can find in my signature below)

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0624362

Licence Status:Current

Current Applicant / Licensee:

 

Business NameCompany Registration NumberComplete Credit Consultancy Limited6450797

 

Categories:

 

Debt collecting Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Zinc Collections Zinc Commercial Recoveries Zinc Credit Management Zinc Recoveries

 

Issued Date: 31-Mar-2009

Date Maintenance Payment Due: 30-Mar-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionSharon Wiggins

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressCorrespondence25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United KingdomPrincipal Place Of Business25, Broadmeadow Lane, STRATFORD-UPON-AVON, Warwickshire, CV37 9FD, United KingdomRegistered Office29, Wood Street, Startford-Upon-Avon, Warwickshire, CV37 6JG, United Kingdom

 

Historic Address(es):

 

Address TypeAddressRegistered Office29, Wood Street, Stratford Upon Avon, Warwickshire, CV37 6JG, England

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  • 2 years later...

Dear Consumer Action,

Zinc Group keep phoning my 17year old son.

They will not talk to me to let me know what it's about even though he is a minor.

 

I think it is for purchasing BeachBody in 3 payments where the 2nd 2 payments were late due to our puppy chewing up my son's bank card and it having to be replaced - he has now paid it in full. Beachbody did state in an email that they use Zinc but on my instructions, my son paid BeachBody directly. They have, however, not sent a receipt yet - we have just requested this by email.

 

Zinc tell me that they would be breaking the law if they speak to me - is this true given that he's under 18? Any ideas for how to deal with them.

 

Thanks for reading this

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You may tell them never to phone again as it is harassment and as you son is 17 he is too young to be held liable for the debt. I would put this in writing though and then if they phone again they can be reported. You may also like to put the phone down to one side when they call again as not putting it back on the cradle will prevent the disconnect and block their line.

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Zinc tell me that they would be breaking the law if they speak to me - is this true given that he's under 18?

Given that he's under 18 the whole agreement is unlawful so tell zinc to go away in short jerky movements.

Illegitimi non carborundum

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  • 2 years later...
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