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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • jk2054
      Santuary Housing

      By jk2054 · Posted

      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.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      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  
    • dx100uk
      Debt advice

      By dx100uk · Posted

      lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • dx100uk
      Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form

      By dx100uk · Posted

      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?  
    • axil23
      Wrong settlement quote given on PCP.

      By axil23 · Posted

      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. 

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      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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Urgent Statutory demand from Tesco credit card/natwest

charlie41dimmock
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rory32

rory32

Posted
Posted

Karen pm a moderator to get the posts joined together.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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MARTIN3030

MARTIN3030

Posted
Posted

2 Threads merged.

If you want title change then pm me or another mod

 

 

 

Ps sorry inbox is full

you can always e mail me if its easier.Am happy with helping from there as long as it goes back here on the forum after.

:)

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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1970

1970

Posted
Posted

I had a situation like this a few years ago. A debt collection company used to fill out stat demands and post them out with them even going through the court.

 

It's to scare you.

 

Don't be scared.

 

You'll get good help here.

 

1970.

It's going to be an interesting year...

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charlie41dimmock

charlie41dimmock

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Bishops investigations statutory demand bancruptcy proceedings for a dept of 4 and a half k after giving back a car on hp and being sold at auction no info from 1st credit re how much car was sold for, where etc, so want to send LBA letter before action but have got stuck on amending wording , have amended some, see below-

 

Sorry to mislead this dept is for a credit card, not the car one (another story) have 3 things going on at natwest so got confused.

 

so want to send LBA letter before action but have got stuck on amending wording , have amended some, see below-

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

Your ref: 984362

 

 

I am very disappointed that you have failed to respond to my two letters of the 21 May 2007, copies of which are enclosed.

I now understand that the regime of 'fees' which you have been applying to my account are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

 

Additionally (if )you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

 

You are also reminded of my request that you forward a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6©, and your continued failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

 

what can I leave in or change as dont know what interest or costs occured and need this info to pursue claim,

thanks karen

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charlie41dimmock

charlie41dimmock

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woops - a little premature on the submit button there. if 1st credit (yes, i have heard of this outfit too) should prove they have sold the car for a reasonable price, and taken steps to obtain a reasonable amount for it (eg. they cannot sell a car worth 10,000 that you owe 6,000on for 2,000)

 

 

Hi, they would not tell us how much it was sold for auction, car was fine good condition, or where it was to be sold.

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charlie41dimmock

charlie41dimmock

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Kaz, firstly, how much had you paid on the car? if you have paid half the amount under the agreement, and providing the car is in reasonable condition relative to age and mileage, you are not obliged to pay any more.

 

Sorry vindicator, bought car for 10,000, paid back 8k and still they want nearly 4k, and had car back to resell at auction. kaz

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payingonlyencouragesthem

payingonlyencouragesthem

Posted
Posted
Sorry vindicator, bought car for 10,000, paid back 8k and still they want nearly 4k, and had car back to resell at auction. kaz

 

Did you have any arrears? You have to hand the car back as soon as you have made half the payments - you can't keep it for another 12 months without paying and then hand it back. You'll then have 12 months of arrears to pay. Return of Goods hearings are different from others - if they have got a valid agreement they could get a judgment quite quickly and easily. Have you CCA'd them to make sure they have an enforceable agreement?

"Why CCJ when you can CCA!"

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charlie41dimmock

charlie41dimmock

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Did you have any arrears? You have to hand the car back as soon as you have made half the payments - you can't keep it for another 12 months without paying and then hand it back. You'll then have 12 months of arrears to pay. Return of Goods hearings are different from others - if they have got a valid agreement they could get a judgment quite quickly and easily. Have you CCA'd them to make sure they have an enforceable agreement?

 

Hi, yes husband was in arrears as he lost his job and was working for a lot less money, they were informed of this, they pressured him into surrendering the car back, or threatened court action. Have CCA'd Bishops investigations, no reply to that just passed it over to someone else, ie court papers from Sechiari, clark & mitchell, litigation recoveries centre o/b, herts. For Black Horse, Cardiff.

Haven't sent LBA as didn't know what to edit out.

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charlie41dimmock

charlie41dimmock

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Re: yorkiebarkid V bishops investigations/ist credit

Did you have any arrears? You have to hand the car back as soon as you have made half the payments - you can't keep it for another 12 months without paying and then hand it back. You'll then have 12 months of arrears to pay. Return of Goods hearings are different from others - if they have got a valid agreement they could get a judgment quite quickly and easily. Have you CCA'd them to make sure they have an enforceable agreement?

 

Hi, yes husband was in arrears as he lost his job and was working for a lot less money, they were informed of this, they pressured him into surrendering the car back, or threatened court action. Have CCA'd Bishops investigations, no reply to that just passed it over to someone else, ie court papers from Sechiari, clark & mitchell, litigation recoveries centre o/b, herts. For Black Horse, Cardiff.

Haven't sent LBA as didn't know what to edit out.

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payingonlyencouragesthem

payingonlyencouragesthem

Posted
Posted
Re: yorkiebarkid V bishops investigations/ist credit

 

 

Hi, yes husband was in arrears as he lost his job and was working for a lot less money, they were informed of this, they pressured him into surrendering the car back, or threatened court action. Have CCA'd Bishops investigations, no reply to that just passed it over to someone else, ie court papers from Sechiari, clark & mitchell, litigation recoveries centre o/b, herts. For Black Horse, Cardiff.

Haven't sent LBA as didn't know what to edit out.

 

They probably will have the agreement and it will, unfortunately be enforceable. I had these people after me for a car and I got Laiste to check the agreement and it was fine. You need to ring Sechiari and ask for settlement terms. The problem is this mob won't accept an installment plan that isn't backed by a CCJ so if you want to avoid the latter you'll need to borrow some money from elsewhere. I think you'll probably find they will settle for less than £3k. If you fight them in court you'll get a lot of charges knocked off but I feel you'll probably need around £3k in that instance too.

"Why CCJ when you can CCA!"

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charlie41dimmock

charlie41dimmock

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Was the car returned under a voluntary termination clause (s99 CCA) ?

 

Hi, yes I think so, hubby had to fill out some paperwork to show what mileage and condition of car was like, a geezer from ist credit came round, he then said car would be auctioned off for 'the best price possible', yeah right, and we hear accordingly, and said hubby had to make an minimum dd payment monthly until then, which was £10.00, which he did for a few months, then stopped as we couldn't afford it. Heard nothing until this year when sent them a cab letter re financial difficulties then next thing, stat. demand and now the court papers.

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charlie41dimmock

charlie41dimmock

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RE-black horse car loan-ist credit-court papers

 

Also just realised no SAR or CCA forms have been sent for this black horse car loan, as copies cannot be found only for the tesco credit card (SAR, CCA sent) so post shouldn't have been joined, confused so am I.

 

SO can I still send them even tho the court is involved and the time limit is up to defend?

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