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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • 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.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
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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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debt advice from Fire financial investigations / cabot


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Hi there, I have another debt question I need your help with please.

 

We had an easyjet credit card with citibank back in 2007/08 what a load of rubbish it was too

( got points for spending to use against the flights then got charged loads of money to use the credit card booking them!) , what a con,

 

other half fell out of work and the debt on the card grew, he ignored it for ages

and now recently the debt went over to Fire from Cabot.

 

They sent us a letter stating make us a reasonable offer the debt they say is £3592.11.

 

As we are not in a strong position to pay a lump sum at present we replied we could only pay £500 as final payment as they needed to money paid within a couple of weeks.

 

They replied saying they would accept £2100 if we paid by end of June.

 

We emailed back twice asking if they could reduce it further as there is no way we could get hold of this amount of money as we are having financial difficulties and thinking of going bancrupt but they failed to reply.

 

We did not disclose our telephone number and they are sending these letters to our old address. we could possibly afford to pay around £1000 in a lump sum and pay with a credit card but that would be our limit to the max.

 

This is showing up on his credit rating as a default along with one other defaulted account which we are trying to clear too,

we want to get his rating back from poor by trying to clear these debts . Please advise us what we should do next?

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Sorry to burst your bubble, but it will take at least 6 years to get your credit rating back to 'excellent'. Once you have defaults on your files they stay there for 6 years, whether you pay up, settle up whatever, and even if they are so marked, they would count against you until they dissapear. Even if you make it a condition of your F & F offer of £1000 that the default is removed, I doubt very much if they would agree.

 

You really do not need to put yourself in more debt with another credit card by trying to make an F & F.

 

I would suggest sending a CCA request for this current card, and, as said above, it may prove that they do not have an enforceable agreement.

 

http://www.consumeractiongroup.co.uk...request-letter.

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yep as advised..

 

any one offering a discount is trying to fleece you on a debt you do not have to pay.

 

it'll either be all mostly unlawfull charges and/or PPI that you could reclaim

or

there are issues with the paperwork

 

i would think the former in this case.

 

sta off the phone

do not ever speak to DCA's on the phone ever!

 

you dont owe this

so best bet is to ignore them now

 

they'll go nowhere near court & they know it.

 

as for the 'defaults'

 

they will fall off 6yrs from YOUR last financial transaction on whatever cards.

 

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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Just a simple point but a very pertinent one please don't use another

card to pay the debt, this becomes a very vicious circle,even the OFT warns against it.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi all, printed out the CCA letter ready to send but not sure what address to send it to as it needs to be send recorded delivery and the current debt is with FIre Investigation and Recoveries who only give a P O Box any ideas what address I should use please?

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RD's to Box numbers are usually signed for in bulk.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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guess what ,sent the letter recorded delivery yesterday and today Cabot (not fire) have replied to my email they have ignored since the 14th June, saying they have spoke to the underwriters and are willing to take a f & f payment of £1500 so its gone down another £600 from the last f & f amount given which they said have to be paid by 3oth June. Should I still wait now for the response from the letter and ignore them for several days like they did to me?

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Waite these idiots are always behind in reponse and never check what post has reached them before pressing the button

to print more C**p.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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if they are offering a discount something is wrong

 

they cannot go to court with it

 

ignore them

 

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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  • 3 weeks later...

Hi all,

 

I have now recieved a letter from Cabot Financial, infact this is the 2nd the first was just to acknowledge my letter and request for information and return the £1 postal order. Buth this is how the 2nd letter goes:

 

YOUR REQUEST FOR INFORMATION UNDER THE CONSUMER CREDIT ACT 1974

 

We write further to your request for information under sections 77 and/or78 of the Consumer Credit Act 1974.

 

Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information form its archives. Although Cabot has not been able to provide you with the information within the prescribed period, we would still advise that your debt remains legally due.

 

We are still able to report to the Credit Reference Bureaux regarding the status of your debt and we would recommend you continue your repayment plan with us or alternatively you contact us to make payments towards your account if you do not have a repayment plan aranged.

 

Thank you for your co-operation and patience in this matter.

 

 

What do I do now folks ????????

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As to the suggesting use of a credit card to clear

this debt OFT Guidance states:

Section 2.6 (b)

It is unfair pressuring debtors to sell property to raise funds,

To raise funds by further borrowing, or to extend their borrowing, if they

have suggested that, were you thinking on those lines?

 

Might be worth mentioning:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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no they have not suggested he makes a payment via a credit card , It was my idea just to get this paid off once and for all as we want to get a mortgage in OH name soon, but as the default stays on the account until the end of the 6 years whether paid or not I doubt he will be able to get one.

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I can see that it would clear the debt, but it may not

get the default removed as they should stay on credit

reports for 6 years.

 

Also using all you available balance on the credit

card could lead you into problems should

you have difficulties in the future, ( OH heck I sound like a debt councellor which I'm not):madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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