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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • 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 
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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.

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So Glad I found this site in time


Ell-enn
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I only discovered this site a couple of weeks ago and have been addicted every day since - the amount of knowledge and confidence you all give is tremendous.

I'm not sure if this is the right section to post this but -

Yesterday an employee came to me (as HR manager) and showed me a notice of eviction for tomorrow at 12 noon. He explained he would need time off to sort something out. It transpired that he had got into a terrible mess with his mortgage and had just buried his head in the sand until he received the eviction notice. As he lives on his own and is quite a solitary person he had told no-one of his predicament. I managed to get out of him that he had an endowment policy which if surrendered would more than cover the arrears. A phone call to the insurance company confirmed this and within half an hour they faxed confirmation of the amount he would receive.

Next thing I did was log on to CAG and after 20 minutes or so of reading I downloaded the N244 form from the courtservice website, filled it in with him, wrote him a letter of support as his employer and affixed the fax from the insurance company. He took it straight to the local court and was told he could see the district judge at 10 am this morning.

He rang me at 10.30 to say that he had been given a stay of 28 days to allow for the surrender of the policy to complete.

I cannot tell you the relief that man felt - he was in tears.

This was all due to this wonderful site. He has promised to make a donation as soon as he has received his funds and cleared his arrears.

If this is not the right place for this post please can a mod move it? Many thanks. Ell Enn

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Thanks DMD, it's good to know that I can get advice for any other employees who might need it........

 

I've just got to fight my own battles now, and with the help on this site I'm nowhere near as scared as I was 2 weeks ago!

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Fabulous news Ell-enn - brought tears to my eyes too - I just wonder how many people lose their homes because they haven't got anyone to turn to and are too scared to go to court. Power to the people:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks HAK.

Goldlady, thanks too - people just don't know that they can challenge something which they think is a "done deed". This chap would just have stood outside his house and let it happen tomorrow - it just doesn't bear thinking about... he had nowhere to go and as he doesn't drive couldn't have got even a few of his personal effects moved. He went home at 11 am and slept till 6 this evening - he hadn't slept for more than a couple of hours a day over the last 2 weeks. I can't tell you how much this has touched my life.......

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Curlyben, to be fair, having had (and still have) financial trauma my own life makes me much more sympathetic to the plight of others and also recognise the need to react quickly. Unfortunately not everyone in trouble is able to muster the fight. A lot of of HR departments are more concerned with performance statistics than applying the duty of care they have to their employees - but we can't change the world in a day can we!

I've got to see a guy this morning who has been having a lot of time off "sick" and has admitted to his line manager that he has serious debt problems - guess where I'll be logging onto in an hour or so................ ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I wish I'd known about this site when my mate was about to lose his house, things might have turned out very different.

 

I'd so glad that there's genuine instances of people finding practical help through CAG - and HR people who are willing to take a more holistic view of employee welfare :D

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  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Thanks for the tickle Sosumi - just logged on again to see if I can get some info for another employee who's in trouble - fortunately not as bad as monday's situation, but bad enough. It's unbelievable how many people are suffering with debt - I look after nearly 250 employees here and in 48 hours have had 2 instances debt problems thats 1% of the workforce (that we know about!!!). There are probably others who won't - or can't - bring themselves to admit it!! what a minefield...........

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Given my experiences over the last couple of days - I've decided to enrol on a consumer law course - might even be able to persuade my employers to pay for it on the grounds that it will help me to deal with employee welfare situations. Found a couple which might be suitable - will keep you all informed when I get started.

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I've always suscribed to the "Human" part of HR ....... no self respecting HR practitioner should be just a management tool !!! it's a practice that's worked for me for 10 years. Mind you - it helps if you have a bit of "life experience" behind you when dealing with people - it takes all sorts, as they say.

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It was for mortgage arrears - Nat West...

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Well done Ell-enn.

 

1.7 million people last year sought debt advice from the CAB alone (figures are estimated to be higher this year) and it is estimated that 8 million people in the UK have unsecured debts of £10K or more, so it's not suprising you have a few with serious debt problems in your company.

 

Glad to read that you are actively helping them.

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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Nitrous Oxide - as soon as his arrears are clear and I can get him to think straight - I'll be encouraging him to look at his penalty charges. However, it looks like he's got a few more debts to deal with in the meantime, but not as serious as the repossession threat.

You're right about the good feeling you get when you help someone -managed to get another guy "on the right road" this morning too....... He was so distressed by the constant phonecalls from a DCA he couldn't sleep and therefore wasn't fit to come to work in the morning, this was affecting his earnings - a vicious circle that hopefully will ease soon.

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Its great to see a happy ending in here.. just shows that a place like this does work. debt is a terrible burden for people to bare and most often bury their head in the sand and hope it will eventually go away but alas this is not the case, Im also learning about the laws and regulations with regards to debt and bailiffs and this site has been a great source of information and help and in turn I have been able to pass help on to people with debt problems etc well done you *hug, :)

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ODC, thanks for the tickle - and for the suggestion - consider it done 1st thing in the morning, though I'll probably say they could come through HR (in confidence of course) if they don't own a PC or have computer skills.

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