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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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Claim form Cabot- old cat 'debt'***Claim Discontinued***


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Ring CCBC and ask for assistance.

We could do with some help from you.

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I logged on again and noticed the following message on the Fashion World claim page:

 

 

"A bar has been put in place on this claim. You cannot respond to the claim at this time."

 

 

If this thing is still live, how am I supposed to enter my defence?

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  • 4 weeks later...

Hi everyone,

 

Today I have received 2 letters from Cabot:

 

"Unfortunately, Cabot has not been able to provide you with the requested information within the relevant time period...

...Your credit agreement is currently unenforceable, which means we are not permitted to obtain a judgement or decree against you in court.

 

 

However, you are still obliged to repay the outstanding balance as confirmed in this letter,

and therefore we would recommend you contact us as soon as possible to set up a repayment arrangement or continue with an existing plan"

 

Yeah, you wish!

 

I guess this means I can expect communication from the court advising me the claims have been stayed,

once the 28 days from me filing my defence have elapsed.

 

I want to thank everyone here who has helped me on this case.

I was going to cave in and simply go along with the claim but you persuaded me otherwise. It has been much appreciated!

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I guess this means I can expect communication from the court advising me the claims have been stayed, once the 28 days from me filing my defence have elapsed.

 

Not quite...the court does not inform you if its stayed....you know it stayed if you do not receive a DQ ....looking good though OldDebt.

 

Andy

We could do with some help from you.

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Directions Questionnaire ...its the next part of the proceedings if they do respond and it allocates the claim to your local county court....if they do respond.

 

:wink:

We could do with some help from you.

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Let us know if they discontinue the claim OldDebt and we can amend your thread title to reflect the outcome.....its beneficial to others to be able to conclude a thread.

 

Regards

 

Andy

We could do with some help from you.

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  • 3 weeks later...

Oh dear, I thought this one was dead but apparently it won't lie down.

 

 

I have today received a letter dated 14th October, 2014, from one of the solicitors who were involved in this case, specifically the solicitors who dealt with Simply Be. The letter itself was mangled and torn by the Post Office but it is just about readable.

 

 

The letter contains a lot of "legalese" basically telling me that my defence is not good enough. This in spite of the fact that Cabot themselves have admitted in writing that they cannot enforce this debt because they do not have the required proof. The letter ends:

 

 

"In our view, your Defence has no prospect of success. In the circumstances, we will recommend to our Client that an application be made to strike out the Defence and for Judgement to be entered against you for the full amount claimed, together with all legal costs incurred as a result of that application. Should you wish to avoid this action, then we invite you to withdraw your Defence by completing the enclosed Form N9A and returning it to this office within the next 14 days."

 

 

"Alternatively, you may wish to resolve this matter amicably without further Court intervention. If this is of interest to you, please forward your settlement proposals within the next 14 days."

 

 

Now, first question obviously is: it this sheer intimidation or do they have legal grounds to do this? Also, it is over 28 days during which they could have responded to my Defence, it's about 6 weeks actually, so does this invalidate any attempt to counter my Defence?

 

 

I have no intention of withdrawing my Defence but I feel I am on shaky ground here, if they can do what they are saying.

 

 

Any advice here would be gratefully received! Thank you.

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It is dead...its there last throw of the dice to see if you will cave in......without the agreement its going nowhere.

 

Andy

We could do with some help from you.

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They cant proceed to Summary Judgment without filling the DQ and they wont file the DQ because they dont have the proof.

We could do with some help from you.

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Thanks guys, do you think I should dignify this letter with a reply?

 

Think you already know the answer to that rhetorical question OldDebt...silence is golden

We could do with some help from you.

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It's very tempting to reply, as this is a pretty despicable way to behave. I don't see what they should get away with this kind of threat, which it is after all, when they have no legal grounds on which to carry out their threat. They are saying the agreement was with Cabot, not Simply Be, but surely the same proof is required, whoever actually owns the debt?

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It most certainly is and that's the intention to invoke a response and to get you to communicate and open up...Cabot are the Claimant...SB have washed their hands of it and claimed tax relief.

 

Have a nice weekend.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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