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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  
    • 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?  
    • 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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Revenge needed against mbna


hellhasnofury
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Hello,

 

Just about got my blood pressure down after last night.

 

Received another haressment call from MBNA last night at 8.30.

 

Slight change in tactics, softley softley approach. No security checks nothing.. He just said my name like he knew me and of course I answered speaking and that was the start of the conversation. He kept on saying what could he do to help me and kept on repeating himself, He then asked for for a payment of £27.50 to stop the account being defaulted and sold. I told him to do this as I was not prepared to give them anymore money. Oh then he turned nasty and told me that MBNA would put a charging order on my house, OH dear:eek: .

 

I imformed him that at this present time they could not actually do this. The account would have to be defaulted and then they would have to take me to court, and the fact that I had acknowledged the debt to them and had made regular monthly payments to them would actually be taken into account.

 

Then he got really nasty and ensured me that he would personally ensure that a charging order would be put on my house.

 

I am now in the process of complaining by letter to Mr W Waring regarding these haressment calls and have also written to my MP. I have e-mailed battleaxe (the saint) with my complaint.

 

Who else due I inform? anybody

 

Can I just say that MBNA talk a lot of crap.I had one client that owed them 17 GRAND and they refused to take him to court. He is in Scotland, and was waiting for Court Action to prove his apparent insolvency for bankruptcy. They wouldn't do it.

 

Eventually he got ****ed off and signed a Trust Deed for peace. MBNA never replied.

 

THis is just one case, and I won't say that MBNA won't take people to court,cos they might.However they seem to bump their gums a lot and do sod all.

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  • 2 weeks later...

If everybody goes to google and search for Credit Card, this will list MBNA as a sponsored link, if you click on this it will cost them over 1 quid at a time.

 

It will also mess with there marketing strategy - ****ing on the marketing on the internet.

 

In the long run this will stop them advertising on google and getting new customers.

 

I've already cost them a fiver:D:D:D:D:D:D

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If everybody goes to google and search for Credit Card, this will list MBNA as a sponsored link, if you click on this it will cost them over 1 quid at a time.

 

It will also mess with there marketing strategy - ****ing on the marketing on the internet.

 

In the long run this will stop them advertising on google and getting new customers.

 

I've already cost them a fiver:D:D:D:D:D:D

 

Nice idea but they're not in the sponsored links (.co.uk), so I clicked Capital 1 instead.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 weeks later...

Well Well Well,

 

There has been letters flying to and fro between myself and Equidebt.

 

They have done the debt is not void and outstanding etc and will not remove the default etc etc.

 

They offered to settle for a quarter of the alleged amount and mark the default and settled:eek:

 

Wrote a strong letter back attaching a statutory section 10 under the dpa.

 

Received a letter today stating in summary, we have closed our files. You should not hear from us again and we have requested your credit file is amended and the default is removed.

 

Wonder how I will respond to that one:-D

 

Thank you for your letter:lol::D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello HHNF!

 

Received a letter today stating in summary, we have closed our files. You should not hear from us again and we have requested your credit file is amended and the default is removed.

 

Well, looks like you owe Santa an extra Mince Pie and a much larger Glass of Sherry!

 

Merry Christmas!

 

Cheers,

BRW

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Hello HHNF!

 

 

 

Well, looks like you owe Santa an extra Mince Pie and a much larger Glass of Sherry!

 

Merry Christmas!

 

Cheers,

BRW

 

Many thanks BRW:-D

 

Yes it has taken a good few months and many letters, but yes what a result:grin:

 

My good fortune has nothing to do with Santa (but won't hedge my bets) I think it is to do with the Feng Shui 3 legged toad (chinese good fortune frog) I placed at my front door last week.

 

Well you have to try any which way you can:lol::lol::lol:

 

Have not quite finished with them yet though:wink:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Well Well Well,

 

There has been letters flying to and fro between myself and Equidebt.

 

They have done the debt is not void and outstanding etc and will not remove the default etc etc.

 

They offered to settle for a quarter of the alleged amount and mark the default and settled:eek:

 

Wrote a strong letter back attaching a statutory section 10 under the Data Protection Act.

 

Received a letter today stating in summary, we have closed our files. You should not hear from us again and we have requested your credit file is amended and the default is removed.

 

Wonder how I will respond to that one:-D

 

Thank you for your letter:lol::D

 

 

Blimey:eek: Miracles do happen at christmas!:D

 

Congratulations HHNF. Merry christmas and a happy and prosperous new year to you and everyone on the thread:)

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Blimey:eek: Miracles do happen at christmas!:D

 

Congratulations HHNF. Merry christmas and a happy and prosperous new year to you and everyone on the thread:)

 

Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Merry xmas to:-D you too

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Just don't ride a bike for the next few days - you'll get bugs in your teeth:)

 

Just read back through the whole thread to refresh my goldfish memory; was there never an agreement signed in the first place? Or did the original cred destroy it when they sold it on?

 

I only ask as I've got two accounts that were sold to MBNA by HBOS. MBNA have admitted to me that they do have and have never had my application/agreement and have written to HBOS requesting it and will send it on if they get it. Do they have the legal right to collect on a debt without a signed contract from the debtor? 'Cos they've been doing so for 2-3 years....

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Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Just don't ride a bike for the next few days - you'll get bugs in your teeth:)

 

Just read back through the whole thread to refresh my goldfish memory; was there never an agreement signed in the first place? Or did the original cred destroy it when they sold it on?

 

I only ask as I've got two accounts that were sold to MBNA by HBOS. MBNA have admitted to me that they do have and have never had my application/agreement and have written to HBOS requesting it and will send it on if they get it. Do they have the legal right to collect on a debt without a signed contract from the debtor? 'Cos they've been doing so for 2-3 years....

 

Hello,

 

No there never was a credit agreement forwarded to me by MBNA, I am off the belief that they acquired it from robert fleming, when they collapsed:eek: but to be honest it was so long ago, I am not 100% sure.

 

I would certainly be questioning the legality of this, if they don't have your credit agreement how can they ask for payments.

 

Are you paying them?????

 

I am having a bit of a ding dong with ge money, who received payments from myself under the mistaken belief that I had a contractual obligation to pay them. I now feel otherwise after they cannot produce a valid ca from themselves or the original lender.

 

They now have issued their final response and will not discuss the matter any further, so in the new year, court proceedings will be issued:-D.

 

It is only a small amount of money, the money is not important, its the unlawfull activies of these companies that is important. Ge money who have never had a credit agreement, defaulted me and sold the account of £54 to a dca.

 

They need to take responsibility for their actions:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks HHNF; I was more or less thinking along the same lines - no signed agreement, no contract, no right to collect. Have now stopped payments.

 

A strongly worded letter and a SAR will be winging it's way to MBNA in the new year:D

 

Wholeheartedly agree with you about their appalling behaviour and holding them to account. With a bit of luck we will be able to give them a head ache that has nothing to do with a hangover;)

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Hi Hellhasnofury!

Well done! it is so encouraging seeing someone getting the better of MBNA:DMerry Christmas!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Hellhasnofury!

Well done! it is so encouraging seeing someone getting the better of MBNA:DMerry Christmas!

 

And a Happy New Year :D

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Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Just don't ride a bike for the next few days - you'll get bugs in your teeth:)

 

Just read back through the whole thread to refresh my goldfish memory; was there never an agreement signed in the first place? Or did the original cred destroy it when they sold it on?

 

I only ask as I've got two accounts that were sold to MBNA by HBOS. MBNA have admitted to me that they do have and have never had my application/agreement and have written to HBOS requesting it and will send it on if they get it. Do they have the legal right to collect on a debt without a signed contract from the debtor? 'Cos they've been doing so for 2-3 years....

 

Were your credit cards taken out with mbna? as you mention that they were sold to mbna, does this mean your took out credit cards with hbos (halifax?) and they sold them to another credit card company, dead confused on this one... my cards as you know are with mbna

Muffintop

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi Muffintop,

Yes two of my cards were originally taken out with HBOS - who then sold the accounts to MBNA.

 

I've got another two cards that were taken out directly with MBNA, though. So ended up with four MBNA cards altogether.

 

Hope that clears up any confusion:)

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thanks very green didnt realise that other credit cards bought debts from each other.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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