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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mass of payday debt, any advice welcomed!


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A direct debit mandate will say 'Varying amounts on Varying dates', so watch that and cross it out and initial it and get them to initial it so make it one amount on one date.

If you are doing this on line, then get them to agree to the one amount on one date in an email otherwise say no, they have a bank account and can give you the account number and sort code for a standing order.

 

There can be only one reason that gutter feeding companies want a direct debit.

 

You are, of course, protected by the direct debit guarantee, but that only guarantees payments made outside what is agreed, so sight what I have pointed out above and read carefully before signing.

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Get a prepaid debit card and use that to pay them, they will go in and take every penny.

 

One tip is to watch out for the £1 difference between your cleared and actual balance, that will mean somebody is 'peeking' at your account.

 

Standing order is far far better than direct debit mandate.

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I do agree with silly girl about standing orders. But as part of the DD guarentee they have to give you notice of how much is going out and when. So if the date or amount changes they have to tell you. If this doesnt happen, invoke the guarentee. Of course the bank will try to tell you differently but fact is fact.

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Jon is completely correct, yes, it will be a variable mandate, but they have to give you a schedule of payments they are going to take. if its going to change each month - like a mobile phone contract - they have to give you 14 days written notice of the amount to be debited each time. If they fail to do this, you are entitled to a refund using the indemnity scheme reason "advance notice disputed", or "amounts differ". Therefore, a DD should be absolutely fine..

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Hi ChaosTheory,

 

I have just been reading your post and am in the same situation,i was wondering if you could advise me how long it took QuickQuid to offer you a 12month plan? I am due to default on the 15th March and contacted them via live chat to be told i could either accept the pre-default plan of 253 per month (which i cant afford) or get back in touch on the 15th after payment has failed and request a different ammount.

 

Did you follow the same procedure with them before they came back with this offer??

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Hi ChaosTheory,

 

I have just been reading your post and am in the same situation,i was wondering if you could advise me how long it took QuickQuid to offer you a 12month plan?

...

 

Did you follow the same procedure with them before they came back with this offer??

Hey there, I originally defaulted back in December! They originally kept telling me they would only accept payment plans over 3 months, which I simply couldn't afford. I kept emailing them with my offer, and they then said as a goodwill gesture they'd accept a 5 month plan, but I still couldn't afford. I sent an income and expenditure form, so they could see why this wasn't possible and stuck to my original offer. This last week they offered me a "final resolution." This was a 12 month plan and was their final offer before selling the debt on to a third party.

All in all, a long winded process, but I stuck to my original offer, and they eventually changed their mind =)

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i originally agreed a 3 month repayment plan and was unable to afford this. Now they have taken this as 3 seperate loans for the 3 amounts they split it down to which i find unusual.

 

the original balance was 450 pounds.

 

today i have received a letter stating they are preparing to sell on the debt but the letter is only for 150 pounds. is this the point when you was given a 12 month repayment plan????

 

i need to ass them to put this as one loan also as originally cause i refuse to have 3 seperate defaults for the same debt. regards.

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