Thank you for your reply. I already sent the death certificate however, she insisted me to send indemnity letter. Because my late husband didn't leave any asset except for debts, I did not need to request letter of administration so far. Do I need to go to see solicitors to be able to get indemnity letter or can I just send letter indicating I will indemnify in case if any beneficiary comes forward in the future you accept responsibility for paying them. I do not believe that anyone else can request deposit on behalf of my late husband. I didn't even have any issue with drawing money from banks because it was small amount and death certificate was sufficient evidence. However, I think she is trying to delay return of deposit as much as she can to avoid payment. It's just hassle to go to see solicitors and pay to draw indemnity letter for such a small amount of money. I do not even have any other creditors anyway. That was the reason I didn't even get letter of administration. Thanks a lot for your help. I will go and see solicitors this week. I will let you guys know after sending this letter. I bet she will make another excuse not to pay me. But if I have to do this, then I will do whatever I need to then sue her after. I won't let her get away with this. Thanks again

I had a letter from landlady and now she is asking me to provide "death certificate" and indemnify her against any claims against the deopsit as their is no will upon receiving this in writing. I sent the death certificate but I do not know how to indemnify against any claims against the deposit. Is this really necessary? She is insisting that this is advice she recieved from her solicitors but I never receive a letter from her solicitors so far. It would be appreciated if anyone can give me advice on this. Thanks

hi Sorry that I couldn't continue to read forum because I moved house and lost internet connection :o( At least, I am back online :o) I have been sending letters out to the banks but they all came back with same answer asking me for wait until test case is completed. I couldn't proceed any more :o( One thing I have issue at this moment is we had joint unsecured loan. Bank insisted for me to pay this loan back but when I requested early repayment figure they wouldn't send it to me. I had to go through their complaints department however, they still wouldn't send me early repayment figure. One person from complaints department said that because I didn't pay it during funeral, they passed to debt collection agency but nobody from bank or debt collection agency contacted me regarding this loan. I had to make complaint to financial ombudsman service but it seemed that it's taking very long time to get any feedback from them. I am concerned that interest will be charged until then I will have more debt to pay and it will affect my credit score Does anyone know why they didn't contact me even though I gave them new address and requested early repayment for months? I have another issue with landlord. They are refusing to pay deposit back because they received deposit from my husband not me. They asked me to stay until tenancy runs out and pay utility bills even though I didn't want to stay there. I did exactly what they wanted me to do and now they don't want to give me deposit back with this reason. I opened new thread for this issue. I have been through a lot and I find it difficult to cope with all these problems but I think I learned a lot as well. It is too hard for me to cope. But I am glad that I found this site because at least you guys tried to listen to me and trying to help me. Thank you so much

Thanks guys for your reply :o) Even though I didn't sign this tenancy agreement on 9th Feb 2007, my name is in the tenancy agreement (joint tenancy) and I am an excutor of my late husband's estate however, he didn't leave any asset except for debts. I did everything accordining to English law but I do not understand why I am having such a hard time with this landlord. I am just so sad that I have to go through hardship even after I left that property. I am already having hard time working full time and looking after a daughter on my own. I am not getting any help from everywhere because I am working. I can't afford to stay home waiting for somebody to help. I do not want to loose job to get legal aid to get decent legal advice. It's just frustrating... If I have to file a small claims I will defanately do it but I would like to avoid and find a best to deal with this situation. I had a private landlord, so there's no realestate agency involved. Landlord have around 80 houses in this area known as Bowman Enterprises. I can't even contact ARLA or council because they are not member of any regulating body. I sent numerous emails since last month giving them 7days to reply. Every time, they gave me different reason why they didn't return my deposit. When I called them 10 days ago, they told me that they need clarification from their solicitors and called me back. They never returned my call since then. Last Saturday, I sent a letter before action via first class recorded mail with 7 days to reply. Tomorrow is deadline but I don't think they will respond to me again. It would be great if anyone can tell me what's the best way to handle this issue. Thanks again

Hi all I am wondering whether somebody can help me on this. My husband signed a joint tenancy agreement on Feb 2007. Last October, my husband passed away and I begged landlord to release me from tenancy agreement 3 months early but she refused my request. It was joint tenancy even though I didn't sign this contract. She said that even though I didn't sign, it didn't matter because I will still be responsible for paying full rent including utility bills until tenancy ends on 8th Feb 2008. If I don't pay, she won't give me reference for new accommodation and she will sue me. So, I had no choice but to stay in that property even though I didn't want to stay there any longer because of sad memory. My tenancy ended as she suggested on the date specified in the contract, I paid utility bills up to that day and send her scanned image of final bills straight away. She promised to return my deposit £650 once she received proof of final bills but she is making various of excuses not to return my deposit now. Last excuse I heard was that she wants to discuss this issue with her solicitors because she received this deposit from my late husband, she doesn't think I can receive this deposit back even though this was joint tenancy. She insisted initially that I had full responsibility to pay even though my husband is passed away. My husband didn't leave will. I knew that she was very unreasonable person from the beginning but I can't understand why she is doing this to me even after I have done everything she asked me to and left that property in a very good condition which I have a witness and pictures as well. I have been contacting her via email and phone but she doesn't seem to reply to me any more. I sent letter before action last week and I haven't heard anything from her yet. Could anyone help me what I should do next, please? It's more than 2 months since tenancy ended but I am struggling to get deposit back without good reason. Advice would be appreciated. Thanks K

Merry Christmas and Happy New Year everyone!!!

No, we don't have house any more. All I got is around £30,000 debt. Some of them are unsecured joint bank loan and some of them are his own unsecured bank loan. I think I don't need to pay bank loan with his own name but joint loan, I need to pay back. I am trying to stop banks to add interest while I am trying to sort this out but it proves to be very hard to get through to right people in the bank. Thanks again for your help. I am reading a lot of books regarding will and small claims at this moment. It's not easy but I will get there some day

Thanks for everything. You can call me K. It was joint loan account; therefore, I am also responsible for repaying. He didn't leave assets. Because our house was repossessed by Birmingham Midshires two years ago. I think I will be OK, because this whole experience will make me strong. Thank you again for your help guys. I will start sending reminders to the banks to get SAR requests.

My husband died so sudenly without warning. He didn't leave a will or life insurance policy. That's why I am struggling so much to cope with all these legal stuff. Thanks a lot for your help.

Thank you very much Michael. I just printed these document now and I will read and fill this form after work. Thank you.

My husband tried to reclaim PPI on Capital One credit card before he died, but his request was denied. This card was on his sole name. I tried to follow up his request but they sent me a letter that I do not have authority to discuss this matter. They asked me to send a proof that I am an executor of my late husband. Does it mean I need to obtain "Letter of administration"? I have sent death certificate but they wouldn't accept it. All I have is huge debts, unsecured bank loans, which I need to pay it on my own. I can't even reclaim unfair charges which he was entitled to.

Thank you so much for your reply everybody. I don't feel alone any more. I will read the relevant treads as you suggested and create new threads under Barclays, Abbey National and Capital One. I will let you guys know along the way. Thanks. It means a lot to me.

Thank you for your reply. I didn't know how to reply I will get there someday. I have sent SAR letters out but only one bank, Halifax came back to me with statement. I haven't had any reply from Barclays or Abbey National yet. Also, I sent a letter to Capital One but they don't want to send statement yet. They want me to provide "letter of administration" before they release data. I guess my case is more complicated than other people I am in a strange situation. I am working mum because I get paid while I am on compassionate leave, I am not entitled legal aid. I can’t get legal advice because of that. I can't afford to pay legal fees on top of everything. I guess I have to start reading books like small claims and last will to be able to sort my case out on my own. But it's hard for me to understand because my first language is not English. Thank you very much for your reply. WidowK

Hi I am planning to reclaim unlawful bank charges from various banks. I suddenly lost my husband three weeks ago due to stress he had from banks. Now I think it is my duty to fight back on behalf of my late husband. I have sent my first template letter which I got from consumer action grup website and waiting for reply from banks; Halifax, The Royal Bank of Scotland, Barclays, Abbey National & Birmingham Midshire. I don't know anything about litigation but I am willing to learn to fight. If there's anyone who could help me on the way, it would be appreciated. If not, I will not give up until I get what I want. I do not fear losing because I am doing this to clear his name. Thanks