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    • 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 
    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
    • Yes, Nick is spot on. Also, can you remember if Starbucks was closed when you were there?  I ask as I'm trying to work out what MET reckon you did wrong.
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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birchave0 v Just about everybody!!!


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A friend told me about this site after Barclays refunded her bank charges. I must admit I'm not one to be up to date with what's happening in the financal world but when she told me what had happened alarm bells started ringing. I will admit I'm not the best at managing my bank accounts, etc but I think nobody deserves to be ripped off like this. After reading a lot of the threads on this site I find (thank God!!) that it's not just me who forgets to pay their credit cards on time or who dos'nt get to the bank in time to pay in funds, therefore becoming overdrawn. I opened my account with Lloyds when I left school in 1988, I shudder to think how many charges have been slapped on since then as normal life throws it's fair share of s*** my way. Just the normal stuff really, redunduncy, student life, trying to buy your first home, if only none of the charges had been applied in the first place I would have probably had enough money for the deposit on my house! Instead of today still being overdrawn! So I have made a decision, I have followed the template letter and today Lloyds TSB and the Halifax are getting letters. I have asked for all the required information to calculate my charges to date and enclosed the ten quid, etc, etc! Wish me luck! I feel I may need it! After this the credit cards are next! I have noticed that although the credit card companies have dropped their charge to £12 the interest rate on all of them has gone up, is this legal? If anyone can offer advice, support and probably a box of kleenex along the way I would be most grateful

cheers

Birchave0

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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Welcome!

 

You seen to have a good idea of what to do already. It is daunting and a lot to take in when you first start, but when you get your head round the idea that it can be done, you will begin to feel empowered!!

 

As far as the credit card charges are concerned, they are as unlawful as the bank charges. The OFT ruled that they would only become involved if the charge was greater than £12, but if you read the many, many threads on credit card charges you will soon see that people are getting these back as well.

 

If you start separate threads regarding each of your accounts then you will get support and help from those who are further down the line than you and have been in your position. Each bank will respond in different ways but ultimately, they all pay out.

 

So, good luck (not that you'll need it) and remember, there are plenty of people on this site who will be more than willing to offer help, support and Kleenex. ;)

 

Spot

Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

When you win, donate!!!

 

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thanks so much, I have started a new thread for both Lloyds and the Halifax so I won't get into bother! I think these two will be enough to deal with for starters. I am going after the credit cards as well though as soon as I feel I can cope! Thanks again and I will check out your threads

cheers

 

Birchave0:oops:

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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Share on other sites

  • 1 month later...

:) I think I have won!!!!!!!!

I complained to Lloyds about the PPI on my loan with them, told them the loan was sold on the "need the PPI to approve loan basis". I have waited 4 weeks and then had a phone call from the insurance department.

After I told them the facts they have decided in my favour.

I had a small loan in 2000 which was topped up in 2002 by a much larger one (including the dreaded PPI). In 2003 I rang them to cancel the PPI they said I couldn't, instead they restructured my loan over 7 years instead of the original 5 to make the monthly payments less. I have since found out they should have offered me a new loan with no PPI.

Well the top and bottom of it is all the insurance I have paid up to date on the 2003 loan is to be refunded against the amount I still owe, this will reduce the amount and shorten the time left on it. The insurance I paid on the first 2 loans is to be refunded into my current account!!!!! I think it's about £1000!!!!!!! Whoopeeeee!!!!!!

I have asked for everything in writing before I accept, only thing is they say I can only have the interest on the insurance back on the 2003 loan and not the 2 previous ones, is that right, does anyone know????

Thanks in advance

Birchave0:-)

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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