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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Capital One and Future Finance


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Hi Everyone

 

I finally found the Post button ! Sorry about that.

 

I had previous postings about a Charging Order levied upon my wife by TBI Financial Services.

 

I have posted an update about that today on the original thread but I now have new problems.

 

Since the CO was registered and the CCJ relating to it put on file, other DCAs are now chancing their arm and sending

threatening letters about debts which are either not recognised at all and are in no way ever going to be acknowledged, or debts that I know are statute barred.

 

Examples are as follows:

 

1. Capital One debt. Neither my wife or I have ever had Capital One anything, but we are getting letters from

Lowell, Robinson Way and somebody else, think it is Frederickson regarding a Capital One account.

They have my wife's name and are adding a new additional christian name into the address, which is very shocking.

They also try different combinations of the name on the letters. Putting one name first, trying initials and various other deceptive tactics.

 

Lowell are also asking for a debt for a Creation Finance. again we have no trace of this company, after checking our financial records back as far as 2005, which is as far as we can go with our bankers.

 

My wife does have other debts with Lowell, so I suspect that they could "produce" some form of agreement which is not true copy.I have not written to them yet as I wanted to ensure getting the correct wording.Your assistance would be most welcome on dealing with Lowell, as they made my 87 year old mother in law so ill with her debts she had to spend some time in a convalescent home.

 

We have never ever dealt with Capital One quite honestly.

 

2. We have a hand written letter from Future Finance in Jersey asking about a very old debt to the Associates which was disputed back in 2004 by CCCS and we never ever heard any more about it, as it was apparently a duplicate of a debt that is on my wife's DMP with Payplan. CCCS phoned Associates at the time and was told to ignore the debt as there had only ever been one account.

 

My wife also phoned Associates at the time and was told that there was some sort of reference number error and that they would write it off and confirm to CCCS. Shortly afterwards CCCS took it off the DMP.

That was 8 years ago and lo and behold we now have this letter from a Future Finance which appears to be about this debt. It has little arrows on the page - is this Arrow Finance DCA in disguise ?

 

3. A letter from Robinson Way asking for a very small amount for a Next account. again neither me or my wife have ever had a Next account ! We are the wrong shape and size guaranteed ! I am going to send that back with a nasty letter but I am more concerned about the first two. Clearly the CO has put us onto the DCA map for intimidation and my wife is ill with disability and I am not going to see her made worse by these timed out vultures.

 

All the above have surfaced since the CO was registered at the land registry and the CCJ went on.

 

I presume that a lot of this is DCAs trying to clear their books but it is causing terrible distress for us. We have all our true debts on DMPs with Payplan and there is no way that these other debts are ours, tracing back to 2004 / 2005.

 

Any advice would be much appreciated by me and my wife.

 

Kind regards

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Hi there

All i can add is any debt you believe is statue barred check credit files etc and i think its 6 years from last payment made.

 

You could SAR the original creditors to find out when the last payment was made if they are past it then you just need to send them a letter saying its staue barred and that you are not making any payments now or in the future.

 

 

As for unrecognised debts CCA the DCA's and find out if they even have the right to the debts and if they are legit.

 

Others will be along to help you shortly in more detail.

Kind regards

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pers i'd be IGNORING THEM TOTALLY

 

let them try and fleece you.

 

they cant!!

 

sounds like there might be a wee bit of fraud going on from the olda ddress?

 

I take it you've moved in the last few years?

 

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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