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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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HSBC BBLS debt - now moorcroft


DieselMike

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Hi,

My Ltd company took out a BBLS loan back in 2020, butunfortunately a year later was made insolvent due to market challenges - The BBLS loan was used in compliance with the Loan criteria and best business practices.

As the company director I requested my accountant submit a DS01 to companies House to close the Business and informed HSBC to close the business account.

HSBC then raised an objection with companies house which stopped Companies house from closing the company.

HSBC have now passed the outstanding balance of the BBLS onto Moorcrofts Debt Recovery, who are seeking full BBLS repayment of the outstanding balance from myself personally.

I have engaged the Financial Ombudsman, however have little confidence in their abilities to properly support my case.

Question - Can HSBC force the responsibility for repayment of a Ltd company BBLS debt onto the director, when the Company has ceased to trade and no fraudulent activity has taken place?

thanks

Dieselmike

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Welcome to the forum DieselMike

 

I have moved your topic to the HSBC forum. Please continue to post here.

3 hours ago, DieselMike said:

HSBC have now passed the outstanding balance of the BBLS onto Moorcrofts Debt Recovery

 

Not really passed on ( as in assigned or sold) but asked them to hound you I would be more fearful if they had passed it on  to your postman:classic_biggrin:

Ambulance chasers don't go near a court room so ignore unless you actually receive something from HSBC Solicitors.

 

Andy

 

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Hi Homer67,

am not sure that that is completly correct, am aware that should the Financial ombudsman deem that the monies have been used incorectly, then the outstanding balance of the loan can be passed onto the director.

 

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4 hours ago, DieselMike said:

The BBLS loan was used in compliance with the Loan criteria and best business practices.

So, as long as you can show this, then the FOS shouldn't be able to "deem that the monies have been used incorectly".

  • Like 1

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 OTHERS

 

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did you sign a personal guarantee.?

thread title updated

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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  • dx100uk changed the title to HSBC BBLS debt - now moorcroft

@dx100uk

DX,

Here's the relevant FAQ from Bounce Back Loan website...

"lenders are not permitted to require personal guarantees for the Bounce Back Loan Scheme."

Looks like the OP may be in the clear?

https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-schemes/bounce-back-loans/faqs-for-small-businesses/#f14

 

  • Like 2

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 OTHERS

 

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next time dont involve to FOS until you have too on a debt.

they could rule you owe it, and although they have no legal powers to make you.

it could put you in a rather dodgy position with HSBC.

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

 

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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Hi DX100uk,

my research has unfortunately identified that Sole traders are personally responsible for their BBL, so I would suggest trying to make a deal with HSBC around repayment terms.

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But your not a sole trader 

On 19/01/2024 at 08:48, DieselMike said:

My Ltd company took out a BBLS loan back in 2020

 

2 hours ago, DieselMike said:

so I would suggest trying to make a deal with HSBC around repayment terms.

That's your decision if and when HSBC decide to pressure you but given that they have passed it to Moorcroft they are not seriously concerned about the debt until such time they appoint a more serious DCA to come after you.

  • Like 1

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

If you want advice on your Topic please PM me a link to your thread

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  • 2 months later...
On 19/01/2024 at 08:48, DieselMike said:

Hi,

My Ltd company took out a BBLS loan back in 2020, butunfortunately a year later was made insolvent due to market challenges - The BBLS loan was used in compliance with the Loan criteria and best business practices.

As the company director I requested my accountant submit a DS01 to companies House to close the Business and informed HSBC to close the business account.

HSBC then raised an objection with companies house which stopped Companies house from closing the company.

HSBC have now passed the outstanding balance of the BBLS onto Moorcrofts Debt Recovery, who are seeking full BBLS repayment of the outstanding balance from myself personally.

I have engaged the Financial Ombudsman, however have little confidence in their abilities to properly support my case.

Question - Can HSBC force the responsibility for repayment of a Ltd company BBLS debt onto the director, when the Company has ceased to trade and no fraudulent activity has taken place?

thanks

Dieselmike

Hey DiesalMike, wondering how the progress going with moorcroft, could you give an update pls ? 

I have a similar issue and contacted by moorcroft for bbl repayments but am unable to repay it due to business didnt run for last 3 years. 

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@fusionrox please create your own thread by clicking the button at the top of the website

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

If you want advice on your Topic please PM me a link to your thread

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