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    • Ah I see what you mean. That is unfortunate, but guess there's little I can do then. Thanks very much for your help!
    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
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Can anyone help with Debt on Joint Bank Account

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I would greatly appreciate any help on writing some letters to help me sort out my debt. I will have to make other postings for more debt problems.


I apologize in advance for the length of the following post and my confused ramblings. If any thing doesn’t make sense I will clarify.


My nearly ex-husband and I have had a joint Current Bank account together for eleven years. From the start of the marriage he was always getting into debt with loans, credit cards, etc. He used this money to fund his lifestyle of cars, boats, clothes, hobbies, single holidays with the boys!. (We do have two beautiful children).


When he couldn’t pay a Credit Card issued from the same Bank they transferred the full amount due of approx £1,200-00 into our joint current account in approx March 2003. (I was second credit card holder but hardly used it). We then got a Statement from Credit Card Company to say account was in credit of £3-26.


I have a letter from joint Bank account addressed to my husband only, showing £1267-66 outstanding on October 2003 demanding payment within 14 days.

I think my husband then made arrangements with the bank to set up a monthly repayment of £30-00. Payable by a direct debit from his account with another Bank. He made these payments until of March 2006, balance outstanding £421-49.

At no time can I remember authorising for these payments out of our Joint account, verbally or in writing.

I also asked my husband at the time how could the bank do this without my permission and told him I wasn’t happy being half responsible.

(By now I realize my husband continually built up debt and stopped making payments, told lies or left me to make payments. - He even walked out of C.A.B. Debt meeting.)

On the same bank account before this happened I had to hand back Cheque Card and Cheque Books.


In November 2006 my husband left home to move in with his Girlfriend (surprise!). A week later I received an eviction notice and repossession proceedings from our Mortgage company. (House later sold with shortfall - no equity and estate agent fees, etc., still outstanding). My current Credit file is showing Mortgage paid but Defaults.


I moved out that week and lived with my parents in another town for seven months while on the local Council’s Emergency Housing list.


I have my own Bank account (20 years) with the same Bank we have the Joint account with and stupidly only updated my address for my this account. Postal Mail also redirected December 2005/2006.


I have not been working the last five years due to illness and having been using my Benefits to make payments to various creditors (Will make other threads).

Took out Loans and Credit Cards in my name, Borrowed from Parents for husband when he couldn’t get any more Credit (I now know how stupid I was!) I have now have no assets.


I paid £220 approx to Legal Aid and started Divorce proceedings In December 2005, Decree Nisi granted in April 2006 but proceedings still on going.


My Solicitor asked in May 2006 for the latest Joint Bank account statement it showed an outstanding balance of £421-49 and payments of £30-00 made regularly for last six months.


In May 2007 my Solicitor asked for an update of the same account.

So I called into the Bank during May 2007 and asked the teller for an up to date Bank Statement. She said this was not possible as the account had been closed and called another member of staff. I was taken aside and told that the Bank account was closed in November 2006 and the debt passed onto their own Debt collection.

I was told an up to date balance or latest transactions could not be provided on their computer screen as the account was closed they would have to go to their files and It would it take a while.

I asked the member of staff to update her records with each of our new addresses. And to provide me with an up to statement and a copy of my agreement to this debt, I also told her I hadn‘t received any letters about closing the account or their Debt Collection Department.


At the end of May 2007 I received a statement showing £421-49 outstanding but have received no other letters for agreement or from their Debt Collection Department.

I also received this week a copy of my Credit File and it shows the account closed and Defaults.

I did not receive any Default Notices or Account Closure letters and my mail was redirected until December 2006.


This Bank always piled on the charges to this account, so once I get this sorted the charges are next.


What do I do next and what do I write? Many thanks in advance.


p.s. Still counting my Blessings!


Poor Girlfriend - Young, Own house, Car, Good Job,

Never Married, No Children and Ex Hubby!!!! :rolleyes:

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I am so sorry to hear of your troubles but practical help is what you need. Send CCA and SAR Request to the Bank, template letters in General Debt Section. CCA costs £1 and is basically requesting a true copy of the executed agreement, the Bank has 12+2 working days to supply this before they're in default and you can stop payments, 30 calendar days from there they are in criminal default if they don't supply the agreement and you can report them to the various authorities. Without the agreement the debt is unenforceable. The SAR has to be complied with in 40 calendar days. This information should cover at least 6 years of all the transactions on the account. Remember to send both requests by recorded or special delivery (SAR costs £10). You will get lots of advice and support from this site, a little early yet, keep your chin up, he will get his comeuppance in the end!Incidentally I note from the papers that Keith Floyd (TV chef/alleged drunk)has done the same to his wife, some men should come with warning attached!!!

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