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    • 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  
    • lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • i see you are posting this all over the internet too. here you say it was returned by the safety camera dept UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please? WWW.FTLA.UK UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please?  
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PDL DEBTS - not able to pay everyone now...


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typically default notices are sent out after the third missed payment

but you'll get the calendar markers straight away

 

if the loans are deemed IL then everything gets removed anyway

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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I have response from SATSUMA

- not happy,

they are saying that the report which they are using doesn’t show loans but I had 9 or more already,

 

I know I said I have only 600.00 credit commitments but who asking for money will tell them true, especially if it’s for gambling

 

HOW TO RESPOND?

satsuma.pdf

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Hi Wisona

 

I have unapproved the attachment as it still has references in it. I have seen it though and this is where you now open negotiations with them on the loans etc...

Take back control your way.

 

Good start with them taking off the interest. Or you can refer to the FOS.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Can I go to FOS if I was not honest with my creditors and I lowered amount?

 

Credit Account Information Sharing (CAIS) – their report shows that I DIDN’T HAVE ANY pay day loans but I had MANY

 

Active CAIS Accounts - 9

PDL Accounts Last Six Months - 0

Months Since Most Recent PDL - 0

Outstanding PDL Balance -0

Number of PDL in last 6 years - 0

Settled PDL - 0 (in last 12 months)

Defaults Recorded in last 12 months - 0

 

AND they said they did all checking properly

 

My statements shows different things

 

118.118 MONEY – loan taken 17.07.2017

CASH FOR YOU NOW – loans taken 09.06.2017

07.07.2017

 

FERRATUM – loans taken 20.06.2017

12.07.2017

03.08.2017

31.08.2017

 

MONEY BOAT - loan taken 15.08.2017

 

Mr LENDER – loan taken 12.08.2017

 

MY JAR - loans taken 13.05.2017

06.07.2017

 

SUNNY – loans taken 08.06.2017

06.09.2017

 

POUNDS TO POCKET – loan taken 19.06.2017

UNCLE BUCK – and a few more … so how you could missed them???

they run reports on the 13.7.17 and 09.09.2017

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We ensure applications are completed through the use of the web based application form. It is not possible for an incomplete application to be submitted. Data from Credit Reference Agencies (CRA’s) is used to verify your existing credit commitments, including mortgage/rent, by providing us with actual credit commitment information.

 

We perform checks with the credit reference agencies. If the costs we check return a higher expenditure, than you declared, we will process your application with the higher figure obtained.

We use your verified outgoings, along with the proposed new loan repayment amount, to determine the minimum amount of income you require to afford the new loan. This value is then sent to the CRA Call Credit for verification and only when your income can be verified by the bureau your application is automatically accepted.

 

This automated income assessment is performed using an industry-standard Call Credit product. This is then used to assess how sustainable a new loan will be for you over the term of the loan. When we are calculating the minimum amount of income you require, the most conservative estimate of all the outgoings (i.e. the higher of your stated and the verified amount) are used to ensure your outgoings are not understated.

 

The information I have obtained from credit management shows the following information

 

Okay so time to play them at their own game - They have then said the above - They automatically use the higher amount or expenditure. So if you lowered it then it should have flagged up and then they should have queried that with you!!! They didn't!!

Plus they claim the loans are not showing but they will do! - Well all of the above started using Callcredit to report back in 2015 when they had the new rules.

 

Add to that that i know FOR A FACT that MYJAR and MR Lender, Sunny and 118 118 Money all use Callcredit and are all registered as advance Against Income and will show up under Noddles Short Term Loan section.

They have realtime reporting, Jesus - They have no clue.

 

Its time to challenege them and this will need to go to the FOS. Now that i know about the other loans, this will make a whole load more easier :)

 

Are you seeing now?

 

Take a screenshot of all of your accounts with the opening dates on Callcredit - Tell me also if Satsuma appear in Callcredit as Provident etc

 

Help me to help you! :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Noddle is callcredit! :) So you dont need to! :)

Read our other guide :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69344

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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No need to post it here - Youve already given me enough info - You need it though. Keep it in a file - Speak to Satsuma - Tell them you are not happy can provide more evidence to them. If they still dont play ball then go to the FOS with all the info you have!

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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everyone of 'em are totally irresponsible lending - all your claims will not fail.

 

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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popped you in the PDL forum now

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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I responded to Satsuma complains department regarding they decision (20.10.2017), I disagree with many of their points. Is any timescale for responding? Are they going to respond if they make decision ?

 

Did someone had similar situation please?

 

Should I wait or complain to FOS?

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let it run

they have a total of 8 weeks

 

lots of like threads go read them

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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email from 118118 Money

 

"Thanks for the email.

 

Whilst the complaint is being investigated we would still expect you to maintain payments to your account and as such, we would not agree to hold your account whilst the complaint is ongoing.

 

If you are struggling to meet the repayments, our Collections team will be more than happy to discuss options with you such as a reduced repayment arrangement. Please note that failure to maintain our contractual repayments can have a negative impact on your credit file.

 

You can contact our Collections team on 08000 118 100 or 02920 893 400 between 8am to 8pm (Mon – Fri) and 8.30am – 5pm (Saturday). Alternatively, if you’d like me to arrange a call back for you, please let me know what time would be best to call but please keep in mind that call backs are on a best endeavour basis and should we be unable to call at the time you wish, it would be your responsibility to reach out to us."

 

What should I do??

discuss repayment

I can offer only £10.00/ Month AND wait for response from Complains department or IGNORE THEM???

BUT ignoring will mean missing payment on my Credit file.

 

Should I go for repayment plan if I am complying and before final decision?

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your credit file will be trashed eitherway.

is this debt not already defaulted in its summary?

you don't offer/discuss anything

theres a letter in the debt collection section of the library

whereby you TELL them they are getting £XX for xxMTS

IF they stop interest/charges.

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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Share on other sites

neither

but if IL is upheld they should remove everything typically

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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as post 94

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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