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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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Cap1 & CCA return


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Hi JH,

 

if you look at the page 2 of that letter above, it says excactly the same -

 

"will acknowledge future letters but won't respond on the points raised"

 

Having been at the various banks etc since last year know I know its all for wind up value, so I'll give in and pay them what they are not entitled to

 

So lets see what the judge has to say!

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Sorry, I just re read that and saw how you read it!

 

I didnt mean I was giving up

 

I'm taking them to court cos I'm sick to the back teeth of trying to get them to recognise their legal obligations and after reading stories on here I deem TS a waste of time (no offence to anyone that works there - its obvious the Govt havent given them the tools/staff/cash to be able to act properly)

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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I haven't taken any court action against them. I was waiting for them to act. Are you prepared to tell me what the grounds for your claim are? I appreciate you may not want to publish on here so it's no problem if you won't say. I am just interested and am looking at my own options.

 

PS glad you aren't giving up!

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Sorry, I just re read that and saw how you read it!

 

I didnt mean I was giving up

 

I'm taking them to court cos I'm sick to the back teeth of trying to get them to recognise their legal obligations and after reading stories on here I deem TS a waste of time (no offence to anyone that works there - its obvious the Govt havent given them the tools/staff/cash to be able to act properly)

I'd love to know your strategy for going to court and the case law you will be using - if you dont want to post this info then I'd really appreciate a PM. I'm starting to work on a N1 to take RBS and HSBC to court for same reasons - would be graet to swap notes.

 

Cheers

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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I applied for a credit card and was accepted even though later I noticed that the application and agreement were in my maiden name(the same as my bank account) but my ID(driving license) was in my married name. There was no intent to defraud. Would this have any effect on the agreement in the first place? If I were to send a CCA request would the fact that is was signed in my maiden name make a difference to the validity of the agreement? (If they managed to produce a copy that is)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I applied for a credit card and was accepted even though later I noticed that the application and agreement were in my maiden name(the same as my bank account) but my ID(driving license) was in my married name. There was no intent to defraud. Would this have any effect on the agreement in the first place? If I were to send a CCA request would the fact that is was signed in my maiden name make a difference to the validity of the agreement? (If they managed to produce a copy that is)

 

As far as I know, this wouldn't have any effect as your marriage certificate gives you the right (Whether you choose to or not) to change your name without having to go through deed pole.

 

As long as ur passprt/driving licence etc are in the same name, that's all that matters. Although, in the long run all of your credit etc would be in the same name as your passport/driving license.

 

i may be wrong, but that is my understanding of it! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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I applied for a credit card and was accepted even though later I noticed that the application and agreement were in my maiden name(the same as my bank account) but my ID(driving license) was in my married name. There was no intent to defraud. Would this have any effect on the agreement in the first place? If I were to send a CCA request would the fact that is was signed in my maiden name make a difference to the validity of the agreement? (If they managed to produce a copy that is)

 

Just realised what you have said - the lender has a legal obligation under the proceeds of crime act to varify your identity in order to satify money laundering regs. You should report them to the FSA because they haven't checked your identity properly. That is a serious error on their part!!!

 

I would also assume this means that the agreement is void (yes, void!!!) as it has been drafted up and signed in a different name!

 

Sorry about my post above, I obviously didn't read ur original post properly!

 

As for the agrement, you could tell them that you dispute the agreement and until they provide the agreement (under a sec 78 request) AND the id they took from you, that you will not pay.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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I haven't taken any court action against them. I was waiting for them to act.

 

Ditto joneshousehold!!!

 

I went onto Word this morning and started to compose letters various to MS, MBNA and EGG now Citibank, because I feel frustrated, angry and outraged regarding these financial institutions shameful, squalid and apparent devious methods to deceive me/us!!! (apparently a valued customers)

 

After some time, I decided that I would not write any of the letters due to the fact that my emotions were taking over. My brain must rule my head and NOT my emotions. Therefore, I went into my garden and pulled out all the weeds that have popped up after all the rain we have been having recently and of course whilst doing this, I thought about my next move.

 

Which is nothing, nil, nada... I will wait patiently for them to act.

 

I know that it is very frustrating:-

One law for the banks and...

None for the Consumer!

 

We all need to escalate our complaints up and onto the next plateau, because if the enforecment officers TRADING STANDARDS (TS) will not act and the regulators FSA, FOS, ICO, BOS will not act, (who apparently condone these finanacial institutions criminal legistlative offences) then we must ALL pump up the action through the MEDIA.

 

LOVE AC

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un1boy quote

"Just realised what you have said - the lender has a legal obligation under the proceeds of crime act to varify your identity in order to satify money laundering regs. You should report them to the FSA because they haven't checked your identity properly. That is a serious error on their part!!!

 

I would also assume this means that the agreement is void (yes, void!!!) as it has been drafted up and signed in a different name!

 

Sorry about my post above, I obviously didn't read ur original post properly!"

 

As for the agrement, you could tell them that you dispute the agreement and until they provide the agreement (under a sec 78 request) AND the id they took from you, that you will not pay.

 

So just because the signed agreement and the ID name don't match this makes the agreement void? I'd really like for this to be the case. Even if this is correct I think I'll send them a CCA letter just to see if they even have a copy!

Thanks very much for your reply :D

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Question on this one: what if they do not supply while account is active, enter default situation after 12 plus 30 still not comply and THEN whilst in default close account and sell debt ? This is what MBNA did in my case....

OFT and TS investigating but it is puzzling me. I have now CCA'd DCA, but apparently they also do not have to supply the agreement based on the same argument (account closed) I haven't heard from the DCA yet in reply to my CCA but I have been told it is their standard reply.

 

Hi

 

If there is still a debt outstanding, the account is NOT closed - it is still very much a live account! The original creditor may have withdrawn your credit facility and also may have written off the debt and/or marked your credit file as 'settled', but this is only an accounting procedure sometimes done when selling a debt on.

 

If a debt is SOLD to a DCA then they become the new creditor and as such, are obliged to comply with your CCA s77/78 request.

 

However, since you had already made this request to the OC before they sold the account on, then they had an obligation to comply. Also, as already mentioned on this thread, a creditor must not sell on a debt that is in dispute.

 

This debt is currently unenforceable since the OC did not comply with your CCA request.

 

I suggest writing to the DCA and telling them that! Also tell them that the OC should not have sold a disputed debt to them, as per OFT guidelines.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

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Hi,

 

Has anyone got any thoughts on this story,

 

Laura Ashley's credit card blitz | This is Money

 

This happened to my wife, the original store card my wife had was transferred to a credit card without asking or signing anything, they also issued a new account number.

So when I did a CCA request for the agreement they sent the application/Agreement for the original store card. Does the application/Agreement form for the original account still stand on the new account number?

And as stated in the article the OFT said that it was classed only as a "replacement" card, then surely why would they have to change the account number?

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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Monopoly 23,

 

It will not make any difference signing in your maiden name , because legally you can be identified from your maiden name, you are the same person by your maiden or married name .

 

I give you the example ..You hold a credit card or bank account in your maiden name, you get married ...your name changes but ...you do not become a different person...its just that one day you are single the next you are married.

 

You would not be accused of fraud, because it is not you that has changed your name the LAW has.

 

sparkie1723

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What about the point that un1boy made?

 

"Just realised what you have said - the lender has a legal obligation under the proceeds of crime act to varify your identity in order to satify money laundering regs. You should report them to the FSA because they haven't checked your identity properly. That is a serious error on their part!!!"

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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OK thanks. Looks like I'll just be sending a CCA request then.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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These are definite caller witheld their number,

 

Also had a text yesterday asking me to call some 0870 number (which is never going to happen) also if anyone recognises 01273 743574 it would help

 

 

Hi, I have also had many calls where there is no-one on the other end of the phone. When I dial 1471 it tells me that the caller has withheld their number. Now I am still getting loads of calls where there is no-one there but on dialing 1471 the number is 01273 743574. Why are they not speaking? I've had two calls today (Sunday) - do they not have a day of rest

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Hi, I have also had many calls where there is no-one on the other end of the phone. When I dial 1471 it tells me that the caller has withheld their number. Now I am still getting loads of calls where there is no-one there but on dialing 1471 the number is 01273 743574. Why are they not speaking? I've had two calls today (Sunday) - do they not have a day of rest

 

 

Lloyds TSB collections

 

It is an automatic dialler, if no one is available to take the call at the call centre, you are left with an empty line.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Here is the list that has the code number you asked for

  • Barcombe (Lewes) 01273
  • Brighton 01273
  • Glynde 01273
  • Hassocks 01273
  • Henfield 01273
  • Hurstpierpoint 01273
  • Lewes 01273
  • Newhaven 01273
  • Peacehaven 01273
  • Plumpton (East Sussex) 01273
  • Poynings 01273
  • Ringmer 01273
  • Shoreham-by-Sea 01273

sparkie1723

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Thought auto dialers were against OFT guidelines?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Monopoly 23,

 

It will not make any difference signing in your maiden name , because legally you can be identified from your maiden name, you are the same person by your maiden or married name .

 

I give you the example ..You hold a credit card or bank account in your maiden name, you get married ...your name changes but ...you do not become a different person...its just that one day you are single the next you are married.

 

You would not be accused of fraud, because it is not you that has changed your name the LAW has.

 

sparkie1723

 

Ok, thanks for your insight!! :)

 

PS Sorry if I was wrong!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy vs Experian - Default removal

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Hi, I have also had many calls where there is no-one on the other end of the phone. When I dial 1471 it tells me that the caller has withheld their number. Now I am still getting loads of calls where there is no-one there but on dialing 1471 the number is 01273 743574. Why are they not speaking? I've had two calls today (Sunday) - do they not have a day of rest

 

 

It's also a marketing tactic used by some - they get an auto dialler to call u at various times. If you answer it works out on average what times u should be at home, then books you in for an operator to call u at a time thinks ull be in!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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I've had two calls today (Sunday) - do they not have a day of rest

 

 

You should report them to the FSA as they are only allowed to call you between 8am and 9pm mon-sat.

 

Also, I would write to their CEO and ask him/her why they are doing this.

 

Also, write to their data Protection Officer and ask for them to remove ALL of your contact numbers from their systems - explain you want all correspondence in writing. They have to do this and it's worked with mine.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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