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    • 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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    • 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?  
    • I see what you mean. I will wait till the 8 weeks is up and then take it up with FOS. Before I do will be on with some more details on the SAR. Thank you once again. 
    • Tagging @stu007 who's great with this. You should have at least 2 months notice with a Section 21 notice (Which Form 6A is used) For now, scan, redact and upload anything you think will be useful    
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Capital bank (Bank of Scotland)


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Sent my prelimenary letter to Capital bank regarding the £400 in charges and today got a very serious message on my mobile telling me its VERY urgent I return the call!!!

 

The urgency was they have recieved my letter and it was too tell me i was very silly and the charges were all legal, they wouldnt be getting returned and they would not be contacting me by letter regarding this issue. Then she went on to ask me to explain WHY the charges are illegal. I said its all in the letter............well I dont have it in front of me she said so can U explain. I said well im not a lawyer and I dont have the info in front of me but can u give me a breakdown of how it costs you £30 to send a letter saying a DD was returned??? NO she said I dont have to!!! Then she 'Strongly' advised me to take my T's&C's into a lawyer so he can point out to me what a fool I am and how they are right etc etc

 

That will be that then lol, im guessing this is where I send my Letter before action???

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Sounds like they are getting a bit p7ssed off with all the returns they are having to do and seeing their bonuses reducing.....shame really:rolleyes:

06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

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  • 1 month later...

is it 'moneyclaim'...? Is this action in Scotland? I thought we couldn't use moneyclaim..?

 

Thanks:confused:

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Hi m8, is this Capital Bank that do the car finance etc? I finished paying off my car with them in December even though I got hammered with charges over the years. If it is the same could you post their address please 'cause I don't have any of the paperwork anymore, binned it all.

 

As for the Moneyclaim thing if you live in Scotland you more or less have to go through the Scottish system, the sherrif court, I'm afraid.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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I don't think so... this is Capital One... Sorry

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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sorry! Thought you were asking me! Wait for an answer from OP. Might be. Yes - I thought you couldn't use moneyclaim in Scotland.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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You're right, you cant. Check the sticky at the top of the scotland forum for the relevant paperwork.

RBoS:

Student Current Account: £300

Current Account: £100

Total = £400

 

  • Statements requested 3/4, Received 26/4.
  • Pre-lim letter sent for both accounts 29/5.
  • 'Bugger-off' reply received 7/6.
  • LBA Hand delivered to Branch Manager 9/6
  • Reply received and ensuing email conversation terminated 21/6.
  • Claim Filed with Edinburgh Sheriff court 27/6.

  • Return Date is 01/08, Hearing Date 08/08!
  • Letter REcieved 2/8 offering £280, Declined.
  • Phone call same day offering full amount + fees.


RESULT!!

 

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Hi WSM36

 

Yup Its Capital bank car finance, Ive been having a nightmare with my claims I had to move house and my Ex Cleared the house out with all my bank charges info laptop with all my details etc so im having to start from scratch again.......here is the address I was dealing with.

 

Capital Bank accounts dept

City house

City Road

Chester

CH88 3AN

 

0845 60000655 is a phone number I have, not sure which dept tho.

 

Cheers

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Thanks Steve that's the very one I want, you're a star. I knew I should have kept those letters.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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  • 2 months later...

Can I stoke this thread alive again....

I sent Capital Bank an RD letter in July to the address above, giving them the 40 days notice to respond with the relevant information of the charges applied to the account over the years. The letter was signed for the next day, but there was no formal reply on any kind - they may have tried to phone but I block anonymous calls.

 

I now discover they've moved to a new address in Chester (not City Road) so I'm wanting to reactive the original demand, or even get them as a default response - as HBOS still operate from that address (the letter was sent to the Chief Executive).

 

Any good ideas on what I should do next to keep them on thier toes?

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  • 1 month later...

MCOL is not recommended, if the action is defended you can lose big time if they use the system to delay and rechedule. Taking action in the correct jurisdiction saves problem later, as it's one less thing to worry about.

 

As to has anyone 'won' I've now received my SAR (and for free) so an action will be prepared once the numbers are crunched!

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  • 3 weeks later...
  • 1 month later...

hi all, new member today, just sent my 1st letter off to them. A certain (most likely) made up Mr G. Stanfield.

 

Also a copy to the banking ombudsman...

 

great site!!

used Govan Law Centre last year for a successful claim of £700 at first attempt, although im hearing Capital are much harder to win with.....we shall see....

 

 

 

that Charterhall address is the new one 100%, so defo correct.

 

Who is Capital Bank Chief Exec?, anyone know??

 

 

My story is a cracker... :

 

They sent 5 letters demanding over 100pounds in letter sending charges after i missed a DD on xmas eve......TO THE WRONG ADDRESS!!!

 

My old neighbor delivered them to me and even though they then sent a 6th letter to my correct address, they kept on the charges knowing they had sent to the wrong address.....

 

keeping aside the whole issue of unfair charging, this is total scumism.

 

may actually just throw my car keys in an envelope and tell them to ram it, as im 50% thru my payments anyway...

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thanks!

 

i must admit i am tempered a little...heres why

 

on my previous repsonse from BOS, they said they will review all my current banking situations with them in light of any further claims..., and close down all my accounts.

 

i have a 1500 pounds overdraught, so dont want to risk having to pay that all back at once..

 

is this threat legal, and do you think this new Capital letter will be enough for them to go ahead with the threats?

 

thanks again

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No CEO to my knowledge. All back office work at Capital Bank is now proivded by Halifax, and all SARs go to them. My last S.A.R - (Subject Access Request) was incomplete and I'm not happy with ther responses.... welcome to the club!

 

 

Tony Baker, director of operations, Capital Bank Motor Finance

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  • 5 months later...

I have fallen behind with some payments with capital bank PLC. We are in a position to clear them off now but are still only 23rd's through the agreement can they take the car back. If it went to court and we said we had cleared the arrears off and would keep up to date what would happen.

 

Also can they close the account if i claim the charges back, as i have had over £150 added in 3 months. I am happy to deduct the amount from the balance of the agreement.

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  • 1 month later...
  • 6 months later...

unsure if you guys know, but Capital Bank falls under BoS Corporate therefore your big buddy would be Peter Cummings CEO of Corporate..Dont have an email address but send to [email protected] and ask him to forward to Peter...I did and got a personal response from Peter Cummings!

 

The joys of bein an ex employee...Nice insider info lol

 

:D

-----------------------------------------------------------------------

UNTIL MY CASES ARE RESOLVED/WON IM GOING TO KEEP MY SIGNATURE BLANK AS IM AWARE THE BANKS TEND TO TRAWL ON SOME OF THESE FORUMS AND AS MY CASE IS A LITTLE COMPLEX IT WOULD BE EASILY SPOTTED

 

DONT WORRY - THE INFO SHALL RETURN ONCE THE CASE IS RESOLVED/WON

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