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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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Rogers v A & L


falcons247
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hi we are at the same stage- I actually have re-sent my SAR as did not do it recorded first time - so no idea what the total charges will be yet.

 

I have been reading all the other bank threads as well as FAQ in case it gets tricky - but seeing other posts today it looks as if A&L on the whole are fairly straightforward. fingers crossed:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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good luck , but are registered with online banking you may get your statements that way and slightly quicker!

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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  • 1 month later...

word of advice please make sure you read several threads and the FAQ's this will answer most of your question use Vampiress excel spread sheet as this will calulate all interest (including the 8%)

keep it upto date until you file your MCOL you can only add the 8% at time of filing MCOL but when sending letters pre lim and LBA you add the overdraft interest only

 

have a good read you will find all the answers on the site best to look at success as this will highlight the surprises A & L will tryto put you of!!

 

GOOD LUCK

 

Vicmar

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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hi

 

I think you are - well I have as its a charge its not like the £5.00 a month fee for having an overdraft. I am sure i saw a list of what you can and cant claim for somewhere - its on here i think but there is a bit on the Martin Lewis site that says"

Yet when you go beyond your overdraft limit, or have a cheque or direct debit payment bounce, the bank charges a penalty of £30 to £35 a time. Is a charge of this scale really proportionate? Remember it could simply be a charge for going a penny over the limit." A bit further down he says that normal account fees cannot be included. So I would say yes that they are

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what you can claim is

1, excess overdraft fee

2, bounced cheques

3, failed d/d or s/o

 

also debit intrest related only to the above

 

you can not claim arrangement fees or subscription fees etc

 

hope this helps

 

vicmar

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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

Hi all,

 

After receiving no payment following my LBA, I have progressed my claim onto the courts.

 

I issued my MCOL on 02/05 for a total of £1,200 (inc court fee) and sent the schedule of charges onto the court.

 

I have today received a letter from A & L saying that they believe their charges are fair, blah, blah, and offered a measly £324.50 (chq included) in full and final settlement.

 

Obviously i am not going to accept this and will destroy the cheque. Does anyone have any suggestions of a reply - i was thinking along the lines of 'i do not accept your offer and will only accept £1200.00, enclosing the schedule of charges' - is there any template i can use for this?

 

I have also received a letter from A & L Solicitors, confirming they will defend the claim. is this anything to worry about? anyone been through similar process and can advise what might happen next?

 

any helpful comments much appreciated.

 

Feel free to PM me as well.

 

Regards,

 

Tim

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Hi, Exactly how it happened with me,

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/56153-hi-all.html

Try not to worry,i am waiting for a court date, a&l will dragg it out as long as poss, and wragge and co will try and save their client every penny but we will get there.

Jen

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Thanks Jen,

 

Is there any sort of template for me to reply to A&L rejecting their offer and advising i have destroyed their cheque?

 

how long will this drag out for?

 

Thanks,

 

Tim

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Hi Tim,

 

For rejecting offers see...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

As for how long, I sent my first letter in Feb. I claimed against Barclays and from start to finnish it took 6 months!!! I think it depends on getting a court date and sticking to your schedule but the banks have to drag it out for all those who dont follow it all the way through or settle to early offers.

Jen

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Excellent.

 

When replying i will attach a copy of my schedule of charges.

 

Should i also send a copy to their solicitors or just send it to A & L and they can send it on if they wish?

 

Tim

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Hi Tim, I'd just send it to Wragge & co. Definatly send a schedule everytime you send a letter, put on it 2nd copy, 3rd copy etc. they'll try to say they havent received it or your figure doesnt match theirs etc etc, but if they have had so many copies they cant argue..as much...

jen

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Hi Nicky, When you do your MCOL, use A&L head office address not teir solicitors. If you want to use their group legal it is....

Group legal (A&L)

custome service centre

Narborough

Leicester

LE19 0AL

Hope that helps..

Jen

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Hi

Letter Before Action, the last letter you sent before court action. Have you followed the step by step guide?I have posted on your thread so we're not hijacking.:o :o

jen

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Hello all,

 

I have received the defence papers from Wragge & Co detailing, in 25 points, how their charges are reasonable etc.

 

Has anyone else received something similar?

 

Do I need to respond in any way?

 

Thanks

 

Tim

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Hi Tim, Is there anything in there defence u r unsure about??

You dont have to respond but when i received the defence from Wragge and Co it stated mainly the limitations act saying the charges were fair etc....

I just replied saying that it is for the court to decide on the merits of each case. I also named a few cases for their reference. If you can list the main points i might be able to point you in the direction for a responce to their defence.

P.S...sorry if we've been hijacking your thread before...LOL

 

Jenny

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