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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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New memeber-jonathan, wish me luck


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hello everyone, i've been struggling a little financially over the last 3 months and got charged 3 times which got me very angry and despondant, until i found this site, next step is getting the data protection letter sent, i hope i can sort this out as im pretty sure there have been a fair few charges over the past 6 years....

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hi jonathan,

 

Good Luck

 

I sent my letter to the Halifax on the 25th September requesting £246 in charges. 5 days after their acknowledgement letter i got an offer for £234. within 12 days i got my money back.:D i think i'm one of the lucky ones. its a shame the other banks aren't like this. lloydstsb basically told me to sod off. so i'm arranging a meeting with my local MP to get him to help me fight for my money back before writing my LBA Letter.

 

p.s make sure you read as much as possible and make sure you understand it all.

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  • 1 month later...

i've finally got all the statements going back all the way to 1995, im not sure whether i should ask for the interest or not really or whether its pushing my luck, what do people think?(the full amount is approximately 550 pounds.)

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i've finally got all the statements going back all the way to 1995, im not sure whether i should ask for the interest or not really or whether its pushing my luck, what do people think?(the full amount is approximately 550 pounds.)

Seeing as you ask, Vitreous, I would suggest that you put your charges onto a spreadsheet, then compare the difference it makes to your claim when you add:

Interest charged on your charges by the bank

8% Statutory interest on the charges

contractual compounded interest on the charges.

 

Also I'd suggest you look into going back further than 6 years, as there's a fair bit of info on this here, too.

 

JMHO

 

Bill.

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  • 2 weeks later...

i decided that going back further than 6 years wasnt really worth it as i wasnt incurring many charges back then.

I sent my request for 596 quid in and got a quick standard response back referring me to a complaints leaflet and ombudsman and telling me to sod off;).

Today i sent the threatening legal action letter so now i wait and prepare to get my court summons on the go!

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i decided that going back further than 6 years wasnt really worth it as i wasnt incurring many charges back then.

I sent my request for 596 quid in and got a quick standard response back referring me to a complaints leaflet and ombudsman and telling me to sod off;).

Today i sent the threatening legal action letter so now i wait and prepare to get my court summons on the go!

OK., mate that makes sense regarding the pre-6 years stuff.

 

But have you checked what effect compound contractual interest has on your claim? If you have, then great - go for it. If you haven't, then PLEASE, take the time to first. Once you've settled the claim, I don't think you can go back for the rest later.

 

You ain't hangin' about though, are yer !! :D

 

Bill.

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  • 4 weeks later...

ok, thanks for the advice so far, this site is a godsend!

I thought i'd give an update.

I received a letter on 20/12 stating that i could have a partial settlement of 350 quid as long as i signed a document stating i considered the whole affair to be settled.

 

I was actually tempted by this but have stuck to my guns.

I sent them a letter today(31/12/06) (the standard template from this site) saying that i would accept it as a partial settlement but would be pursuing the full amount(513+83.74 interest to be awarded by the court) if they didnt offer me the full amout by 14/1/07.

 

I have a query. I was speaking to a friend who has gone through the full process and he seemed to think that i should not be asking for the full amount(596) at this stage as it was still the court's discretion to award the 8% interest and that if i asked for the interest at this stage the court would throw the claim out.

 

Now in todays letter and my previous letter i have said i was asking for 513 +83 which the court would award.

My friend says that i should write a letter to the halifax stating that my claim is for 513 only. I'm not sure what to do now but i did put in my letter the following paragraph:

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £596.74 (£513 + £83.74 interest at Statutory rate, the amount the court will award)

 

This paragraph was also in my initial claim letter. Am i doing things right?

Should i send a letter saying the claim is for 513 only or is my friend wrong?

thanks again for everyone's help.

Jonathan

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i never actually sent the lba template from this site but sent this instead(from moneysavingexpert):

7/12/06

 

Dear Sir or Madam,

Re. Account number: ACCOUNT NUMBER: xxxx

SORT CODE: xxxxxx

I refer to default charges applied to my account amounting to £596.74, which I have requested you pay back.

I wrote to you on 24/11/06, making the original request for a payment in settlement of my claim. As I have not received a satisfactory response I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the Brighton County Court will rule in my favour.

I have attached a full schedule of the charges and interest with this document.

I look forward for a full response to this letter within 7 days, otherwise I will commence court proceedings to reclaim my money.

 

Yours faithfully,

xxxxx

 

Now i am wondering whether this letter and the letter i am about to send today(it hasnt been posted but is sitting in an envelope) are sufficient before i continue with the court judgement-this is today's letter

 

Thank you for your letter dated 20/12/06

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £596.74 (£513 + £83.74 interest at Statutory rate, the amount the court will award)

 

I will accept the sum offered (£350) only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

You have until 14/01/07 to respond before Court action commences. You are reminded that there will be no extension to this timescale.

 

Is all this ok or should i amend it?-sorry to sound like an idiot but i know at this crucial stage i need to make sure all my wording is ok.

jonathan

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HURRAH!

i managed to settle out of court for the full amount minus interest-i just rang them and politely asked for the full amount and they said fine!

 

WELL DONE !!!

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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