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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.    
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    • 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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Russjo vs A&L


Russjo
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Hope I'm doing this right. Sent a letter using the MSE template requesting list of charges or statements on 2nd April 2006. First big mistake, didn't send it recorded delivery. As I sent my son's at the same time and he also banks with A&L, I didn't make a note of which cheque was sent with which letter (second big mistake). On 23rd April one of the cheques was cashed, but I have no idea which account they are processing, so I give them a little phone call on Bank Holiday Monday, only to be told that there is no record on my file to say that it is my account that is being processed. Ah Ha....I think....it must be my son's account that they have cashed the cheque for. So I get my son to phone them, and guess what, no there is no note on his file either. I can't speak to the department dealing with the claims as they are not customer facing and nobody seems to be able to tell me what has happened to the other cheque and whether both of our requests are being dealt with.

 

So, I sent them a letter from each of us (recorded delivery this time), stating that as they have cashed the cheque on 23rd April (as I can't prove they received it at the beginning of April and to whose account the cheque is relevant) and therefore, to show reason, I will give them until 28th May before reporting them to the Information Commissioner and also make a claim for the maximum amount under the small claims track. Not sure now whether this was a good idea, but I read somewhere that somebody else had done the same and then amended the amount of the claim later. I'm not sure that this will stack up and I'm getting more than a little frustrated with them. Be grateful for any advice on how I can wrench this information from them :confused:

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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For what it's worth, Russjo, I think you did the right thing. It has put the ball in their court, they now have to chase up the records on both accounts and reply to you - so at least you'll know which account has been actioned. :cool:

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Thanks for the vote of confidence, I needed it. Just need to clue myself up on the arguement behind claiming now :???:

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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I've been reading like mad over the past couple of days and I have a burning question....I'm getting the impression that some people are claiming for overdraft interest, is that correct?

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Sorry, but I'm not sure myself. I think they are talking about interest they have been charged whilst overdrawn. I haven't been including this on other claims that I have been doing for my family as I thought it was only statutory interest that you include :?

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Sorry, but I'm not sure myself. I think they are talking about interest they have been charged whilst overdrawn. I haven't been including this on other claims that I have been doing for my family as I thought it was only statutory interest that you include :?
Your reply was clarification in itself, Russjo.

Yes, you can include these in your claim. I think they sometimes get overlooked because the amounts can seem insignificant compared to the penalty charges themselves. :cool:

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Hope you're around Youngandfree, if not, can anybody else help. After sending the letter threatening them with court action if they didn't send me my statements (and my son's), "Bob's your uncle" they all turned up yesterday, lovely surprise. So I busily sat last night into the early hours, totting up the amounts which come to £3979 for me and £1273.50 for my son. However, I'm just typing up the letters and I just need to triple check that we are able to claim back the "overdraft interest" but not the "monthly interest". I've made a few fumbles with some of the letters previously and I want to make sure that I get this right

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Okay I've posted the prelim letters. I'm claiming just over £4k and £1250 for my son. So they've got 14 days. Also has anyone read the BBC News page about A&L having to make an apology for the letters they've been sending out. All I can say is Ha :D Ha :D Ha :D

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Hi Russjo,

If you want to make a claim for overdraft interest (as well as the 8% on the charges themselves) you should consider using the complex spreadsheet instead of the simple one - it will do both for you. Of course this is only operable if you actually have to start court action, but that's a few days down the line for you yet, 14 days after your LBA.

Use the time to read up on procedures - it'll pay in the long run - believe me - I've just had an offer of payment in full!:D

Best of luck

John

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi John,

I've tried clicking on all spreadsheets and I can't seem to get them to work. I used the spreadsheet from MSE, but I must admit I've deserted that site as there are a lot of people passing judgement on others and not much being done about it. I would much rather use anything connected to CAG instead so if you've got any pointers I'd be grateful

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

Use the above link Russjo, and I think page 3/4 of 17 will give you the lowdown on Spreadsheets.

CAG is the best site for this effort IMHO,

Hope this helps ease the path for you.

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Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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I've just bought a new laptop because queueing (not sure if I've spelt that right) in my house is a nightmare. I've got excel and I've just managed to download the spreadsheet whipee! Thanks for the tips guys, really appreciate it and I've tipped both your scales for you

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Sorry Joe, I must have tipped yours earlier as it won't let me do it again. I'm sure there will be other opportunities

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Received a letter from A&L today. Pretty quick really because they didn't receive it until 29th May, however, I know that this process is not going to be as quick in comparison. Usual blurb in the letter, so will wait until the 14 days is up which is not until next week and then will send them the next letter. The waiting game is killing me

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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You've done so many now I thought you'd have learned a bit of patience, Russjo, ;)

Makes it all the sweeter when you get your money!!:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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You've done so many now I thought you'd have learned a bit of patience, Russjo, ;)

Makes it all the sweeter when you get your money!!:)

 

 

Too true!!! Remember the longer they take, the more interest they will owe you. That's what keeps me going!

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I know, I know! I'm just eager for my first success story. I'm driving every one mad going on about it. Going to need some help when I get to the claim stage, so hope you're all around then ;) ;)

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Interesting. I'm claiming on behalf of my son with A&L and sent identical prelim letters for both of us. The only difference was the amounts that were being claimed back. I got a letter telling me to bog off and he get's a letter saying we are looking into your complaint. There seems to be no rhyme or reason to how they handle things. Well there's definitely rhyme and reason in my house, because they are going to get the next letter shortly and see what happens then!

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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LBA for my account being sent tomorrow morning

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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  • 2 weeks later...

Update on my son's account. They have sent the usual letter and mention that there may be some similarities between the default charges on credit cards and similar charges applied to current accounts. They've offered him £281.50 (they must be using an abacus BADLY) which they claim is the difference between £12 recommended by OFT and what has been charged. By my calculations it should be nearer £550. Will send rejection letter and LBA.

 

Update on my account, they've received my LBA and are looking into it. It just amazes me how completely differently they are handling the two accounts. My son has received an offer after the first letter and I haven't received anything other than "we're looking into it" after two letters

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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agree with you about calculation - I told them that they could have had the courtesy of providing a breadown of their calculation as I had done to them:D no reply yet:rolleyes:

 

jansus

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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agree with you about calculation - I told them that they could have had the courtesy of providing a breadown of their calculation as I had done to them:D no reply yet:rolleyes:

 

jansus

 

 

:p I like that, wished I'd read that before I sat and typed out all the letters that I need to send in the morning. I think we would still be waiting when this is all over and done with and still won't have a breakdown

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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