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    • 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  
    • lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • 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?  
    • I see what you mean. I will wait till the 8 weeks is up and then take it up with FOS. Before I do will be on with some more details on the SAR. Thank you once again. 
    • Tagging @stu007 who's great with this. You should have at least 2 months notice with a Section 21 notice (Which Form 6A is used) For now, scan, redact and upload anything you think will be useful    
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Yes I'm begining to see what you mean.I have been all through what you have just mentioned.I've now realised that I will not inccur bank charges because at the moment I'm in receipt of tax credits.I thought it might be a good idea to show some completed n1 forms in templates to help with the likes of "brief details of claim"and the obvious (now) copying and pasting of particulars of claim.same for the money claim form where you have a rough guide as to what to put in the paticulars of claim as it is so short.would help a lot of people and save you lots of questions to answer.Regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Guest Lueeze
I've now realised that I will not inccur bank charges because at the moment I'm in receipt of tax credits.

 

Do you mean court fee's?? You will only be exempt if you claim working tax credit, which means you are on a lower income than other, and you cannot do this online, you need to fill in a form and take it to your court with a N1 claim form and 3 copies of everything, also your tax credit award HAS to be less than 1 month old, or they will refuse (believe me been there done that)

 

I thought it might be a good idea to show some completed n1 forms in templates

 

There are templates to use in the library.

 

 

 

I honestly think you are not ready to file as yet.:confused:

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Yes sorry I mean court fee's.I'm trying to keep a track on things as well as travelling away from home and thousands of miles.

 

Thats interesting about my tax credit form being less than one month old do I have to get another one from inland revenue?

 

Also I have seen and used the templates in the library,but I do not see a completed form as you would send out.you know how paticular the wording has to be in these cases.but if you know otherwise let me know where exactly.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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I've just received a further full set of statements from the bank for the same account.This is the third lot. If it costs them £39 to send a letter goodness knows how much it costs to send three duplicate lots of 149 sheets to you.I'm sending my LBA's off tomorrowregards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Quote:

Originally Posted by nigel1804

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Originally Posted by BankFodder

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Originally Posted by nigel1804

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Originally Posted by BankFodder

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Originally Posted by nigel1804

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Originally Posted by BankFodder

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Originally Posted by nigel1804

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Originally Posted by nigel1804

Hi again any chance you could just look at my last few thread questions I've read a lot of FAQs.I think I'm going to do the hard copy claim, I understand the particulars of claim and copying and paste in.But what would you put in brief details of claim.something like" reclaiming of unlawful bank charges "and what about that human rights act question is it yes or no?Are there any examples of this form completed?Sorry to PM you again I just want to get it right Many thanks.Nigel oh and is it the claiments full name and address and the defendants full name and address.:confused: :confused: :confused:

 

brief details: claimant seeks return of £XXXX levied by the defendant bank by way of charges which are in fact unenforceable at contract law as they exceed the actual costs to the bank. A full schedule of charges is attached to this form and has already been tendered to the defendants

 

Human rights - no

 

full names and addresses - yes

 

 

Oh thanks and the£xxxx figure is that my total figure including interest,charges and the 8%.will the court tell me my court costs when I hand it in.regards Nigel

 

no- is net figure - so better put £XXXX plus costs and interest

 

 

I see,what I also meant was how do i know how much I have to pay when I hand in my claim will the court staff work that out,as I think my case will go fast track at £7303.what do you think?regards Nigel

 

yes I am sure that it will go on the fast track. The court staff will tell you the fee. It will be about £350 I expect.

How much interest are you claiming. I haven't looked at the thread

 

 

Sheets says £7,331.00 interset came out at £926.69.thats the 8%and interest claim is for £103.98 plus the 8% so plus £10.I'm also on tax credits so should i fill in the X160 form my dad offered to pay my costs as we seem to win it would come back anyway.have you seen the daily mail today?big write up on that guy pushing for £12 bank charges.Regards Nigel

 

are you able to scan me the mail article

 

 

Hi again did you manage to get yesterdays daily mail.?Also while I'm on. I noticed that I used the credit/store card template to do a prelim stage on my two credit cards with the title missing.So realising my boo boo should I send another LBA letter with title after 14 days,that thengives them another 14 days which would then put me on track again.Or should I go straight to n1 court claim.any Ideas bankfodder.Regards Nigel

 

No, I haven't seen the mail artilce and I would like to.

 

Send another proper LBA and I hope thqat you won't mind me suggesting that you take more care. It is all a serious matter.

Read the announcement

"Some people are making mistakes"

 

 

No your right,I've done the most important one right so I think its because I used a different template instead of sticking to what I had done before.do the bank find out that I might be exempt from the track charges,as I think they might be more inclined to settle out of court???????:-|

 

I am afraid that you will have to start posting these questions so that everyone can contribute and benefit

 

 

I think your right is there no way in which we can transfer these into my thread.i've seen threads put into one I don't know about private messages.cheers bankfodder.Regards Nigel

 

you will have to cut and paste

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Anyone any ideas on proof of tax credits awards.Ive heard that my tax credit award has to be less than one month old if I'm to be exempt from court fees?I've got aN AWARD FOR 2006-2007 AND 2007-2008.How much more proof does the court need.Regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Anyone any ideas on proof of tax credits awards.Ive heard that my tax credit award has to be less than one month old if I'm to be exempt from court fees?I've got aN AWARD FOR 2006-2007 AND 2007-2008.How much more proof does the court need.Regards Nigel

 

Hi I used my Tax Award for 2007 and 2008

and they accepted that okay.

Hope that helps.

Libby

Libby V Halifax

Prelim Letter sent 14 June 2006 (£2,301.00

rec Letter from the bank on 21 June 2006 to say sorry to hear that

rec another letter 24 june 2006 refund £468.00

3 July 2006 i sent my LBA heard nothing.

sent my N1 claim form in on 17 July 2006

Offer from Halifax for £938.00 20 July 2006.

22 July 2006 rec claim form back from the court.

Ack from the court on the 3 Aug they intend to defend.

 

Mum V Halifax

Sent prem letter 3 July 2006

LBA sent 17 July 2006

Claim Form 3 Aug 2006

Ack 7 Aug 2006

Paid in full 14 Aug 2006.

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Ive been told by a clerk at the court that a copy of the award for the year is fine so long as it has my name on and your gross earnings then that should be fine .best of luck everyone.Regards nigel.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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just received two letters from my visa accounts one offering £125 on a £400 charges the other offering £100 on £395.Usual as a token of good will and a valued customer.BLAH BLAH BLAH!!!!!!!!!!!!!(see you guys in court then).Should I reply with thanks but no thanks "usual letter not as full and final payment".regards Nigel.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi again everyone.In the particulars of claim there has to a date added as to when your account was opened.

1.Don't know the date

 

2.When it was opened it was the leeds permanent at the time.does this matter as regard their contract with me or did it all just come with the territory when the halifax took over.Any ideas anyone.?regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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HI EVERYONE JUST HAD TWO OFFERS FROM THE HALIFAX OVER THE PHONE FOR

A,£950 THEN WENT ON TO OFFER ME £1,680,WOULD I BE WILLING TO ACCEPT THAT AS A GOODWILL GESTURE AS A SETTLEMENT.i JUST REPEATED THAT I WOULD ACCEPT IT AS A PART PAYMENT ONLY AND THAT I WOULD BE COTINUING MY COURSE OF ACTION TO RETRIEVE THE REST.ASKED FOR IT IN WRITING WHICH HE SAID HE WOULD DO.I THINK I'VE DONE IT RIGHT IAS THIS A SUPRISE PLOY BY THEM TO CATCH US OUT?REGARDS NIGEL

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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By ploy I meant that it took me by surprise,I was expecting a letter to that means anyway.Nice to know we have a trojan horse in there breaking the banks rules looking at these sites Thanks for your help.much appreciated.Me a"fool"My cousin is an M.D. of Halifax int:cool: .And I'm at home on standby waiting to fly aircraft around the world:cool: .Your in your Halifax office:p mmmmm cheers for your help there Regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Sorry its "my halifax charges"nigel 1804.

 

Just noticed I got some clever answer from a trojan horse or is he on their side????????????Regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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YOU KNOW!!!! I really feel for the people who work in these organisations,kind and polite alot of them, they too have to pay there mortgage.but some do take it personal.If your allowed to read this you lot in there,please don't take it personal.its not your money its mine in this case.My dad worked in a bank ,my mam worked in a bank a friend worked in a bank and my cousin was an M.D.for halifax international.I think I can say what moral is like in there.Be good work hard pay your mortgage,BUT DON'T TAKE IT PERSONAL.PLEASE.there is life outside the banks.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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what a fabulous cure for insomnia this thread makes! lol

keep up your good work Nigel!

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Thanks for the kind compliment dollies01,I hope its not this thread thats keeping you awake.Or is my thread so boring that it is sending you to sleep,not sure which way to take it.anyway at least it made you laugh lololol.regards Nigel;) ;) ;) :D

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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mmmmm halifax now send me letter with offer of £1,804 but yesterday they could only offer me max 6 months charges of £1680.never mind they "never will pay up all the charges"as they keep telling me.Maybe they should add unless you take us to court.trgards nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Mr Eric Graham was very polite and helpful over the phone and he did get the letter in wrighting to me the very next day.Nice eight paragraph letter outlining costs of banking,charging policy,how I can keep an eye on my account,the account is my responsibilty,"really" I don't recall giving permission to take over £7000 in charges.Oh thats it I was accused of "abusing my account" by a centre manager after my account went back into the red after they had taken out their unlawful charges but not paid my dd.

Then there's the gesture message cos "they don't pay back all the charges ever".!!!!!!!!Really!!!!!lololol. Oh and now they're trying to fob me off with the financial Ombudsman.Oh dear some staff training might be required just so the mushrooms do come into the real world Sorry everyone for my sinisysum(spelling?)regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Well not received a word since I sent a letter refusing there £1804.So it looks like we're off to court to file n1 form along with x160 and data sheets with interest and the 8% on them both and lets not forget the two visa companies as well.Just a point I'm now receiving constant 10 -12 spaming telephone calls all automated from the halifax visa, cos I did'nt pay my last instalmenmt this has to be harrasment of some kind its only for £54 for goodness sake.anyone else having same problems with these calls.SOME WAY TO TREAT A "VALUED CUSTOMER "regards Nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Anyone getting constant automated telephone calls from the halifax every hour or so.Can we do anything about them.I don't do business with automated machines mr halifax get some customer service going your charge enough in unlawful charges to fund it!!!!!!!!!!!!!!!

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Your Street

Town

City

Postcode

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Wireless Telegraphy Act (1949) and I will report you to both Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully,

 

 

NAME HERE

**********************************************************

 

This should do the trick, but, if it doesn't, keep your cool and report them to the Office of Fair Trading and your local trading standards office. There is now a specific complaint form which you can download from the internet to make an official complaint and you can obtain it here:

http://www.oft.gov.uk/nr/rdonlyres/b3999175-a9bc-469d-ad5b-ba284de36e01/0/complaint.doc

 

PLEASE USE IT

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks joni2bad its so annoying.Do they not think I know I missed my last payment.This account will be cleared when they give me my money back:D :D :D :D regards nigel

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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