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    • 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.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
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Freedom Finance & Firstplus - PPI misselling **WON**


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Hi,

I am new this site and have been really impressed with the level of knowledge and advice provided, which has subsequently helped me to successfully claim back PPI from both Paragon Finance and Santander (Alliance & Leicester) :-D

 

I am now trying to make a claim against Firstplus for missold PPI, but have hit a sticking point, because the loan was brokered by Freedom Finance...despite all documentation (credit agreements and payments were made to Firstplus).

 

From my initial complaint - Firstplus are trying to push the complaint towards FF corner (who are now no longer)!

 

I contacted FOS to gain further advice, on who held legal responsibilty and they advised that advice given by Firstplus, was correct...

 

Anyway, to cut long story short...I would like to get further clarification on who should I be complaining to Firstplus or Freedom :???: and within the CCA is there a section, which I can quote to get Firstplus attention??? :-)

 

Thanks

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Thanks...I did quote this section in response to Firstplus!

In the interim I've sent off a SAR to Firstplus, because im unsure of date when I settled the loan, so require further ammo to fight firstplus with...Note I did suggest the customer relation exec who responded at firstplus to this section of the CCA! :-)

So I wait their response!!

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  • 2 months later...

A quick update on my claim to date:

 

Sent FP response quoting CCA 1974 s56...FP responsed broker no longer trading, so will forward your details on to FSCS (final response)...FSCS only deal with claims from 2005 onwards, my loan as dated 2002!

 

Anyway, fed up with FP avoidance & fob off tactics... sent email to CEO (Bob Diamond) raising my concerns re: FP shoddy approach to dealing with customer's ppi complaints (also sent FP a postal response the following day)...3 days later letter received from Customer Relations Manager from Barclays, who has been instructed to investigate my complaint & apologises for the treatment provided by FP to date...so I will see what happens now & I wait his response!

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  • 2 weeks later...

sri we had a troll

 

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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sri we had a troll

 

dx

 

Thanks dx100uk for the clarification, as I just read their response & i was really shocked about their comments to my post.

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Came home today and waiting for me was a letter from FP!

 

After further investigation they have decided to refund ppi attached to loan & have sent a cheque to cover the ppi, as a gesture of goodwill...

 

They haven't admitted liability for the mis-sale of policy & insistent this falls with FF..

 

I will of course bank the cheque, but wondered should I pursue for the interest, as on my soc?

 

Once cheques cleared, I will send a donation to this site, as the information & advice found in this forum has been valuable in my plight...

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diff to say as we dont know the figures

 

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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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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Hi

 

if that figure of £1,993 is just the premium on its own then I would be pressing for the interest as well.

 

After all, FP had interest off you over a period of time on this loan for the PPI didn't they and although they say it is a gesture of goodwill of they were certain they weren't responsible they wouldn't have coughed at all.

 

The name of the spreadsheet you should have used is "StatIntSheetV101.xls" and you should have listed each payment of the PPI part of the loan you made giving the date of payment and the amount.

 

ims

 

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Ok thats good

 

So if the figure you have as the payment is the relevant percentage of the total monthly repayment then I would be chasing them for the figure per the spreadsheet less the amount they have already paid you.

 

ims

 

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Okay...once cheque has cleared :-), I will construct a letter to chase on the remainder relating to the interest element from FP and email a copy of my correspondance to Bob Diamond...

 

Thanks again for all your help / advice & I will defo send a donation, once I've banked the cheque...

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Thanks

 

I hope this does boost other FP claimants to pursue their claims and not allow FP to fob them off or use delay tactics and just keep fighting...if all fails email CEO & complain about FP approach to delivering customer service / care to get a response! :-)

 

Will update again once I get a response...

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  • 4 months later...

Hi my name is Joe and reading this thread has given me a boost to claim for the mis sold ppi that was with my first plus secure load. I also got my loan from freedom in 2004 just before they joined the FOS i believe And have been told that I can not claim through the CMC because they now don't exist this was last year so I basically give up but reading this by the OP has given me a bit of hope. I have just contacted FP which I haven't done before directly about the PPI and they are sending out the forms with my account details on so they can be passed on to a third party and they will decide who is responsible for the PPI claim. I tried to throw the consumer act section 56 at the guy but wasn't really getting any where :( How do you guys think I should approach this just a wary were to start? Thanks in advance. Just be more info loan was paid off in 2006.

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Hi my name is Joe and reading this thread has given me a boost to claim for the mis sold ppi that was with my first plus secure load. I also got my loan from freedom in 2004 just before they joined the FOS i believe And have been told that I can not claim through the CMC because they now don't exist this was last year so I basically give up but reading this by the OP has given me a bit of hope. I have just contacted FP which I haven't done before directly about the PPI and they are sending out the forms with my account details on so they can be passed on to a third party and they will decide who is responsible for the PPI claim. I tried to throw the consumer act section 56 at the guy but wasn't really getting any where :( How do you guys think I should approach this just a wary were to start? Thanks in advance. Just be more info loan was paid off in 2006.

 

joey welcome

 

can you please start a new thread

 

see below

 

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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