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    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
    • Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have.
    • go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
    • Hello, Just to check I understand things right, he moved to a nursing home, you then kept paying the rent for a period of time whilst you sorted his belongings. You have asked to give notice and asked for backdated payments of rent from when you first asked which went ignored? They are still taking rent payments.   Have I understood correct?   If I've got anything wrong please correct me.
    • 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  
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PPI in Conjunction with a Mortgage


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ims21,

 

Wondering if you could help, I feel that i am in a similar situation to this one. I originally took out a mortgage with Nationwide in 2008, I used Countrywide Mortgage services advisor to help me find a suitable mortgage, which I was happy with. However, I remember, that the advisor informed me that I would be needing payment protection for the mortgage in order to proceed. We discussed my needs, as I was buying and living alone, working full time for the nhs as a nurse, i explained that upon my death the house could be sold, redundancy wouldn't be a problem as I could do agency work, and i had adequate sickness and absence cover from work, as well as savings, and my mother stating she would help if needed in financial difficulty. As it was necessary to have some kind of protection for the mortgage or it wouldn't be valid, I ended up opting for critical illness cover - decreasing, and income protection cover - level cover. The payments were £37.09 and £24.77, respectively, per month. Now, given the information I provided upon my personal circumstances, I didn't feel necessary to buy into protection cover, however, without it I couldn't purchase the mortgage. I understand that mortgage protection plans are more difficult to claim against, but i strongly feel i was missold the plans. So much so, that I cancelled the plans last year, and have opted to have a life insurance policy which will cover in the event of my death or diadnosis of terminal illness!

 

Please could you advise whether it would be worth looking into reclaiming these costs?

 

Thank you

Gill

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Hi gill and welcome to CAG

 

I've created a new thread of your own for this issue :-)

 

If you feel you have been mis-sold then there is no reason why you shouldn't try to claim it back.

 

This was nothing to do with the lender as it wasn't added to the mortgage account but appears to be separate payments each month to the insurer(s).

 

Who were they and is Countrywide still in business do you know?

 

ims

 

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Thank you, Countrywide were an independent mortgage advisory service that I accessed via an Estate Agents. They helped me to arrange surveys etc for the house. The recall the advisor informing me that I wouldn't be charged anything extra for her to arrange the mortgage for me, and that the mortgage companies paid their arrangement fees, so I presumed that the same would be of the protection insurance - in that countrywide were independant of Friends Provident also. However, on looking into it, I believe that countrywide services and Friends Provident are the same! So yes, I believe they are still up and running!

 

Gill

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  • 5 months later...

Hi Gill.

Just wondering if you managed to get anywhere with your Countrywide issue. We have a same problem, where the products where sold to us and ended up paying 160 £ per month. Could you please let us know. Thanks

 

Jozef

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