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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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BC CCA returned not signed. Worried about default after 11 years.


Rayn2036
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  • 2 weeks later...

UPDATE:

 

Received SAR from Barclays and its absolute garbage.

 

It only consists of statements post May 2004 but

 

ideally I wanted statements showing all charges and default date which would be around 2002/2003.

 

I also wanted to know when was the debt assigned to debt collector.

 

Now I am not even sure if Barclays credit cards and loan account has been defaulted at all.

 

How can I now get this information?

 

I don't want to stop paying token payment until I know for sure that these accounts have been defaulted already.

 

Please help.

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I would suggest that if there is no reference to it on your credit file then it will have been defaulted as you have been making payments.

If I were you I would stop paying as it is an unenforceable debt, if anyone writes to you then just send them a copy of the BC letter.

Any opinion I give is from personal experience .

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Hi Rayn,

 

If you read other threads here, you'd know that BC will only supply data for the last 6 years like all the banks. If you want the older data, you will have to challenge them and maybe take court action to force disclosure.

 

See the Library for the SAR Non-Compliance letter.

 

After that, you need to take court action if they fail to supply the older data that you require.

 

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Hi Slick,

I did expect data from last 6 years only

however they have supplied me data from May 2004.

 

I realistically wanted data just before and after I enrolled to DMA (Oct 2002).

 

I just wanted to know how much charges are there and whether the account were mark default on CRA.

 

I have no hope or intention of getting unlawful charges back and I do not have any PPI with Barclays.

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If you want older data, you will have to threaten, and probably take, court action for the disclosure of any older data held by BC.

 

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Edited by slick132
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Fletch,

 

CCA sent to all creditor/DCAs.

 

No reply from Lowlife/Barclays Loan, and Crapboot/BC, Its been three months.

 

Natpest CCA sent again today as per your suggestion.

 

It looks like all CCA reply I received- none of them seems enforceable.

 

I am particularly interested on this

http://www.consumeractiongroup.co.uk/forum/showthread.php?409424-MBNA-CCA-received-please-help.

 

Should I reply them or should I just shut up?

 

 

DX, helpful as always, already helped me on this thread but let me have your thoughts please.

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  • 5 months later...

UPDATE:

Received letter from Barclaycard.

 

It mentions about default notice letter from Mercer which I have never received.

 

They are also saying it is formal demand which is a legal document and then go on to

say their intention to file a default at CRA.

 

Hold on, this is 12 year old debt and my SAR shows a entry of default however there is no mention of date.

 

Can yo please have a look these two attachment and suggest how should I respond to this letter.

 

They have given me until the 8th to reply but I only received this letter yesterday.

 

Appreciate your help as always.

 

Thank you.

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Hi Rayn,

 

Is the Formal Demand for payment one they have just sent you, or a copy of one they allegedly sent years ago?

 

If they defaulted you more than six years ago they can't just put another default on the account years after it became statute barred.

 

The DN from Mercers is bound to have had something wrong with it. There were many posts about Mercers DNs some years ago and they failed to comply with the Regulations in a number of ways.

 

DD

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I would write back and say this debt is statute barred and has already been defaulted so they have no justification whatsoever for reporting this on your CRA files.

Hi DD, its not SB as I was paying through Euro Debt until late last year.

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Hi

I am glad you realised it was not SB, was just about to point that out.

Within the SAR documentation it should say when the DN was issued , I read the entry on the sheet that you have posted as just a key .

 

I take it that this account does not appear on any credit file?

It is certainly worth writing to them and saying that it was defaulted previously and therefore can not be defaulted again.

It could be that the old DN was not compliant and they are reissuing a compliant one so I would also be saying that you did not receive one from Mercers

Any opinion I give is from personal experience .

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If the account was recorded on your credit file as defaulted more than 6 years ago and it has since dropped off - they cant simply add another DN.

 

Also, they cannot refuse to send you statements - it is a legal requirement.

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Barclay card sent out a whole batch of letters a few weeks ago saying they had been reporting incorrectly to the CRAs and advising people that they were going to have the CRAs amend the files to reflect the true situation.

 

When did you actually default on the account ? According to the Information Commissioner, Default markers should be placed no later than 6 months after the default has taken place.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It seems that perhaps they are attempting to say that " Formal Demand for Payment" has the same importance as a " Statutory Demand" which is the 1st Step on the Bankruptcy Process and must be set aside by a court.

 

 

I agree with Daniella stat barred letter.

 

 

Keep it simple though such.

 

 

 

 

To Barclaycard + Copy to Mercers.

 

 

Ref: use theirs:

 

 

Sir/Madam,

 

 

I refer to recent correspondence regarding an alleged debt arising from Barclaycard account No. xxxxxxxxxxxxxx.

 

 

Please take not I do not acknowledge any such debt and have concluded that it is now Statute Barred and I will therefore not make any payment now or in the future.

 

 

You are reminded that the obligation in providing unequivocal proof that the alleged debt is no statute barred lies entirely with Barclaycard.

 

 

No relevant acknowledgment has been made nor has Barclaycard made any relevant claim to affect the limitation period.

 

 

I now consider this matter closed.

 

 

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When did you actually default on the account ? According to the Information Commissioner, Default markers should be placed no later than 6 months after the default has taken place.

Signed up with Eurodebt late 2002 and have been paying less than £5.00 every month. But since November Last year I haven't paid anything as I cancelled my DMA.

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I agree with Daniella stat barred letter.

 

Thank you Brig for your reply. I was paying through DMA until November last year. I haven't paid anything since then. Will this be SB?

 

Reply to my CCA request was supplied with recon. T&C's and they also mentioned on the letter that the agreement is not enforceable as they cannot locate the original signed agreement hence I guess this will not go to court.

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Hi

I take it that this account does not appear on any credit file?

It is certainly worth writing to them and saying that it was defaulted previously and therefore can not be defaulted again.

It could be that the old DN was not compliant and they are reissuing a compliant one so I would also be saying that you did not receive one from Mercers

 

There is nothing on my CRA file, not even the token payment I have been paying all these years. I Checked my CRA file towards 2012 while I was still paying the token fees and there were no marker from any of my 10 debt company. I guess they all fell off after 6 years (Around 2009).

 

If they are sending me a compliant DN this time, can they record this on my CRA file? I hope not.

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eurodebt,, oh dear fleeced blind

 

send them an sar too

 

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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