A while ago my stepmother died, adn her children never got on with my dad. They had a house together, in which the deeds state that the entire property goes to the surviving partner in the event of death. My dads solicitor at the time clearly stated that the property moves to my dad after having read the deeds. Unfortunately, it appears she left half of the property to her own children, and now we have a letter from their solicitors basically asking which estate agents are being used to sell the property so the kids can have their part of it. Does anyone know where we stand on this please, and what to write back? I do know its a tough task to challenge a will, is this the same with deeds to a property?

Hello Im wondering if anyone can help me please? I made a claim for ESA In november but only had my medical on the 9th july 2012, if i pass my medical will i get my money (the extra money you get from 13 weeks) back dated?

Hi, I'm 30 and I have WOEFULLY bad credit. The trouble is now, because nobody will give me credit, I can't redeem myself and I'm in a big catch 22 and i can't get out of it. I was earning a low wage, and pre-credit crunch, racked up £2000 o/d with ltsb. I then split with my partner and went to live alone at 22. This was the thing that set the ball rolling.. I lived from 2 credit cards: egg and C1, and then went to uni at 24. like a fool, in all naivety, i went into LTSB telling them i was a student, expecting them to transfer my o/d to student account. On a technicality, they told me this involved closing my current account, so i had to repay now, and btw, by declaring myself a student i had also declared myself unemployed and therefore insolvent when they recalled the 2k and i said "but I'm a student!". Into collections I went. i paid it back, yet had no access to student facilities, so racked up another £1000 with halifax, and a 300 on vanquis. by the time i graduated, i had hit a wall - 3 ccs and 2 o/d and a catalogue account had culminated in several missed payments and me having to go on a DMP, and i wasn't paying stuff on time due to that old chestnut of 'do i pay capital one or eat?'. I never owed more than 2.3 k though - we're not talking loads. My egg card got sold on then sold on again - last i heard of it was in 2008, i moved a lot and then after 5 years at uni juggling debt, am where I am now... i have AP on that o/d (with a DCA) and one credit card lost in the ether and one being paid off. 4 accounts are settled on my credit file and my current accounts have no o/d and are running fine. I'm now a teacher, my partner is on a good salary too, and i'm starting to think about a mortgage in the next few years. Fat chance. I checked credit. My score is below 300. Equifax, registers missed payments, but only one o/d is listed as D for default. Are missed payments technically defaults? How do they class it? I have had no CCJs, NO IVA, i'm not a discharged bankrupt, i'm in FTE, I have a smartphone contract yet as the title of this thread suggests, nobody will touch me with a barge pole and i'm getting desperate now. Ironically, they threw credit at me when i had no cash, yet now i can't get a £50 o/d extension or open a bank account! I've applied for in 12 months: vanquis, c1, aqua, argos card, and a nationwide account. Nada. I even applied for a secured credit card - they wanted me to pay the full £200 and there are still doubts about that! I want to show people that i got into a lot of trouble in the past, but i'm ok now. But nobody will give me a break. It's as though I AM a bankrupt. I'm starting to panic about a mortgage now. My partner's bank love him, he has great credit and a lot of equity and they do this 'pre approved £40,000 loan' crap with him. He just doesn't get it. He seems to think that as hes a great customer and we've got a deposit and good jobs they'll overlook defaults, but he's never been in the mess that people in debt have been in, and i don't think he gets the reality nowadays that if you have any black mark against your name, it's Goodnight Vienna for you and credit. I thought it wasnt too bad, as I've not been in serious trouble, but being turned down for AQUA was pretty shocking and that pre-pay thing!! My questions are this: Would my partner's standing really help us to get a mortgage or at least offset my defaults? Or is he in cloud cuckoo land? Can anybody think of ANYWHERE that will give me credit so I can show repayment - i'm even considering another phone contract? Catalogues? Loan? Would perhaps upgrading to gold or silver account with my bank soften the blow for an appointment to ask for a small o/d? Any ideas welcome! Many thanks!

I have been on Incapacity Benefit since 2004 but prior to that date I had worked non stop full time for 24 years paying my NI Contributions. I have just received "the letter" telling me they will contact me in 2 weeks and send me the ESA50 for completion so it is only a matter of time for I have the medical etc. I appreciate that I may not qualify for ESA but I do have medical problems and if I do quality for the ESA workgroup , will the first 12 months be contribution based or income based. I ask because I have savings. I thought I would get 12 months and then it gets means tested.

Hi Caggers Thought this article from the Independent may be of interest. As usual the Government has known about this problem but aint interested get the taxpayer to cough up to fix it themselves. http://www.independent.co.uk/news/uk/home-news/millions-will-have-to-pay-to-get-freeview-tv-7899834.html?origin=internalSearch

Hi, I wonder if someone could shine some light on my situation. I currently receive ESA and full housing/ council tax benefits. I live alone and my partner lives in company accomodation and this will continue (for the forseeable future) after we get married. My question is... even though my (future) wife wont actually be living at my address, are my ESA and Housing/tax benefits going to be altered or stopped? Thanks in advance:???:

Hello - Please can anyone advise how to access a will which is sat in a solicitors office and not probated. My grandmother died in 2001, her will never went to probate, i checked with the probate office. I dont know who the executor is, I wrote to the solicitors in the town where she lived and found the one who holds her will, they will not let me access it or tell me who the executor is. When my grandmother died she had a 2nd husband and 3 children from her first marriage. My father died a couple of years ago and i sent proof to the solicitors who hold the will of my grandma to say he had died and asked if dad was executor, they would not tell me. My grandmothers 2nd husband disowned the entire family the day she died and will not talk to me. I was lead to beleive the will said that their home was to be given to my father upon my grandmothers 2nd husbands death. How can i ever get access to the will or find out who was supposed to be executor?

Hi, I've got a Tribunal date this Friday, 15th Feb. I'm not going to be able to attend as my daughter isn't well. She has a very bad case of the flu which in turn has affected her asthma. I have no one else to look after her and she is too young to be left alone. I wanted to know if the tribunal will make a decision in my absence seen as I have provided them will all the evidence and paperwork needed. I did want to attend in person but there is no way I am going to be able to now. Please help, I'm very worried about it all!! Thank you!

This thread is quite simple... It's an ATTACK on WONGA... HOW LOW ARE THEY PREPARED TO GO....????? ******************************************************** http://s179.photobucket.com/albums/w289/diskmandave/CAG/Wonga/ ******************************************************** WONGA Ad's on CHILDRENS app's... This App is aimed at teaching children how to brush their teeth... But it's got Wonga ad's all over it!!! It seems now that Wonga are targetting their adverts DIRECTLY at CHILDREN... Which is ILLEGAL according to UK LAW.., And is certainly a breach of their Consumer Credit Licence.. Wonga need to be put out of business.. My name here, is DISKMANDAVE...... But, please, be assured that, I will NOT HIDE behind a user name..... My name IS........... DAVE BUCKLEY... and you can find me on Facebook.......... https://www.facebook.com/diskmandave

Austrian village

Help yourself and charity this November During November, Will Aid teams up with over 1,000 solicitors across the UK to provide basic wills. Having your Will written professionally can give you great peace of mind. Use a local solicitor who has signed up to Will Aid and you can enjoy the added feel-good factor of supporting nine leading UK charities. Instead of paying your solicitor’s fee, you will be invited to make a donation to charity. Suggested minimum donation is £90 for a basic Will, £135 for a pair of basic mirror Wills and £40 for a codicil. Making a legally valid Will is the only way to be sure that, in the event of your death, your money and possessions go to the people and causes you care about. If you do not make a Will, those you leave behind may suffer the distress of coping with legal complications as well as losing a loved one. Many married people believe that their possessions would automatically go to their partner. Without a Will, though, that is not necessarily the case. And if they are not married, their partner could receive nothing. http://www.willaid.org.uk/

My father exists on his state pension plus a small income from RAFA. He bought one of those DIY will packs from W H Smith and drew up the following will on a sheet of A4; I, Reginald XXX XXX bequeath all my property and assets in the United kingdom to my so, Ian XXXX XXXX if he carries out my instructions which he has agreed to, as follows: 1) My body to be conveyed to the crematorium in the cheapest way possible that the law allows. 2) No minister, no eulogy, no organ, but cremated without ceremony. Alternatively to allow my body parts to be used to help only any ethnic Anglo Saxon 3) Should any of the above conditions not be carried out, everything to be given to the British Royal Airforce Association or the S.S.A.F.A. (Soldiers, Sailors, Airforce Association signature......... Witness 1)............................ R X XXXXXX Date............................. Witness 2)............................ The concern here is that (1) is open to many interpretations. The witness signatures do not have any names below them and are only signatures with no names or addresses etc. Can someone please advise on (1) and whether the will is legal because of witness signatures only. Also does any one have any idea of the cost of the cheapest funeral? Thanks

Hi, I wana ask for the transfer of property by my name..property owner is dead as he was my mama ji.. his wife also died and he has no children..his sisters also died, and sisters sons are availabe like Iam and other 2 sis and bro.. My mama has other cousions but their father has done 2nd marriage sons how this property transfer ?

Hi, I hope someone can give me advice on my situation. I will definitely be receiving an eviction notice from my counicl as i have substantial rent arrears. if i give my council notice that i will be leaving, can i still be evicted? i would rather leave first so that i dont have an eviction against my name making it hard for me to rent in the future.

This has been bandied about for some time. http://www.dailymail.co.uk/news/article-2224349/Poor-drivers-priced-motorways-new-road-tax-proposals.html

I have a question that maybe someone could help me with. My father died just over 4 years ago and he left a will but I never got sight of it. My brother is the executor of the will and when I asked him what the will contained he told me not to worry about it. My mother is still alive and her will, will mirror my fathers. I rang up the Solictors who hold my fathers will and asked them if I could obtain a copy of his will and was told that he wrote a letter to the effect that I was not to see it and only my mother and my brother were to have sight of it. I was hurt by this and still am. I understand through other members of the family that I was cut out of the will and everything will go to my brother on my mothers death. I am not out to cause trouble for my elderly mother or brother but for the life of me I don't understand why and would like to obtain a copy of my fathers will just to reassure myself I suppose. Can anyone help me?

Hi, I have recently transferred bank accounts to Nationwide and I had a direct debit set up that is due today (monday) so I transferred the money across from my other account yesterday (sunday) via faster payments and it was there, available, immediately. However, I checked that it had gone this morning and it has but, it is listed first and then showing my balance as -157.00 and then the credit below bringing it back up to zero so if the money was available yesterday, how come it wasn't this morning when the direct debit went out and it is showing as paid in after the dd went out. My question is will this now be returned and charges applied? Doesn't seem right to me!

Hi all, I sent Santander a secure message via my online banking saying "I am contacting you today to have you action the cancellation of ALL continous payment authorities on my account. For the avoidance of doubt, Direct Debits are to remain unaffected" I received this reply I have spoken to them on the phone and been told no, has to be a written request. So I sent a reply stating that as already demanded I expect confirmation that all CPA's are now ceased. I got this in reply, What is the deal here ? I could go too branch, but taking extra ID ! What planet are these goons living on !! From what I have read about CPA's, once a bank has been told to cancel them in writing they must do that. I have contacted them by a means of writing, afterall the year is 2012 ! and as you can see they outright refuse. Thanks in advance for replies.

My brother and I are joint executors of my mothers estate. She willed her property to us and we have received probate for the estate. My brother wishes to purchase the property (which has no outstanding mortgage) and we have agreed the sum for purchase. The property deeds are in the possession of my brother. Can he buy the property without having to transfer it into our joint names before transferring it into his name. I am prepared to sign to acknowledge the situation. Do we need to involve a solicitor to effect the conveyancing. Regards Morgansbobi

Hi everyone, I need a bit of information in regards to Brighthouse. My girlfriend has got a few things from them and pays around £140 per week. A few weeks back she missed one weeks payments due to not having the right amount. She walked into her local store to pay the missed weeks payment as well as the payment that was due. The member of staff informed her that there was a £20 late payment charge to be paid on top of what was owed. She said she is not going to pay it and walked out the store. She phoned me and explained what had happened. I said to her that she did the right thing, but go back in and pay the money that was owed on the account. When she walked back into the store, the branch manager tried to force her to pay the £20 charge or he will not accept the money for the account. She argued with him and he called his area manager. After a lengthy conversation he put the phone down and told my girlfriend that she did not have to pay the £20 charge. Last weekend my girlfriend had the same problem only this time Brighthouse and the store manager were using dirty nasty tactics. She missed a weeks payment and the store manager came out to her house. He told her that she has to pay a late payment charge of £20 or he will not take her weekly payments and that she will have a visit by bailiffs to remove her goods. She told him to leave her property straight away. She was quite shaken by this and called me straight away. I was raging with fury after she told me what this idiot had told her. I know quite a bit about bailiffs and what they can and can not do. I reassured her that no bailiffs will come and remove her goods. He left her his card and told her she has got until 14:00hrs to pay the amount with charges. I told her to go to the store with a friend(I live in Portsmouth, she lives in Birmingham otherwise he would of been dealing with me) and take the digital voice recorder that I gave her a while back and ask him why he will not take her payments. She walked into the store and asked the branch manager if he was prepared to put in writing why he will not take her payments. He refused to do that and that she could contact head office and speak to them. She asked him if he was willing to take her payments and he replied no. She walked out of the store and called me straight away. I told her that she should never speak over the phone or deal with brighthouse face to face and never sign anything and that she should put a video camera by the front door in case they ever come back to the house. What I would like to do is write a letter to brighthouse about what this store manager has said, also to the OFT and FSA but I am unsure of what to put in it. Has anybody else had this problem with Brighthouse. Any help or advice of what to put in this letter would be most appreciated.

Hi . My father sadly died in September 2011 and did not leave a will, his estate consisted of the family home where my mother still resides , and our grandparents former home which was inherited from my grandparents and jointly owned by my father and his sister and which has been rented out for the last 20 years. We (my mother , and 2 sisters) had to apply for a grant of letters of administration and signed the estate over to my mother and presumed my mother would have owned my fathers half share of my grandparents home . However , when looking through my fathers documents we have found the will of my grandfather which states on my fathers death his half of the property passes down to his children - which is myself, and 2 sisters. The question I need answering is - now that we have signed my fathers estate over to my mum is my grandfathers will now null and void. or do/ can we still inherit his share of the property ? Hope this makes sense. thank you

Hi everyone, Me and my partner are members of DW fitness. We have been members for over 6 months now on student memberships. We have not been there to work out since July! We have been to swim a few times though. My partner got a job that gives him crazy hours so we hardly get to go. We have 2 kids so can't go whenever he isn't working. The gym is also an hour away so we don't get to go much anymore. Because it is quite far, we can't easily go and cancel in person. If I was to write a letter to them stating my membership number, and all the details I can think to give them would this be enough? Would I be fine to cancel my direct debit after I send the letter? I know I have to give a months notice so I won't cancel the direct debit until the November payment has been taken out. I would prefer to cancel by email as I will have more proof it's been sent if they try and deny it but I can't find anywhere to do this.

Switching is currently not available for customers with pre payment arrears of over £200 http://www.bbc.co.uk/news/business-19688019

I was wondering if someone could help me with an issue regarding a will? My grandfather passed away 9 years ago, leaving in his will, his share and interest in his property to his children, but giving a life interest to his widow ( 2nd marriage). The property was in his sole name when he died, yet there is a severance of a joint tenancy ( between grandfather and 2nd wife) that was drawn up several years before he died: the property was never held jointly, and remained in his sole name up to the point of his death. The children, were my mother and her half brother ( adopted): unfortunately the brother died in the same year as my grandfather made his will , but the will then stipulated if either child died, then their children would then take the parents share...still with me? However, when grandfather died, my cousins were not informed of their benefit from the will: and it appears that the executor ( the widow) decided that my uncle was no eligible as he was adopted, and decided to ignore that side of the family! Instead, she with her solicitors , drew up an assent that then put the property into hers and my mothers names only: neither cousin was informed of this. The solicitors have now admitted that this assent was wrong. I do have a solicitor working on this case for me, but I have a couple of questions that I can't seem to get a satisfactory answer to 1) when should my cousins have been informed of their benefit: we have been told they weren't told because of the life interest of the widow. no documentation refers to my uncle at all, and yet my was mother was informed, yet she would not benefit until the widow had passed away also. 2) the widow is about to take us to court to get her right of ownership...but from the evidence it appears that she was never on any mortgage , or ever on the title deeds, all she has is the severance notice. Is this notice actually valid at all? 3) do we have any course of action we could take against her , failing in her duties as the executor, I believe this is legally termed as devastavit Any help or advise would be eagerly taken:smile: sorry if i've put this on the wrong forum, but this is my first post on here Also, one last thing, not sure if it is relevant or not: the property was actually build by my great grandfather and grandfather: we have the original conveyance of the land to my grandfather

My parent died 5 years ago and a sibling acted as Executor. I have never seen the Will (despite requests) and the Probate Office has no record which indicates it did not go to Probate even though there was property and effects involved which have since been distributed. I thought I was also named as an Executor (along with a third sibling) but, of course, since I haven't seen the Will I have no way of knowing for sure. I have contacted the solicitors who, as far as I know, dealt with the Will and they say they were not asked to do the Probate and do not know if any subsequent Wills were made but if I wanted a copy of the Will they do hold I would need a copy of the Death Certificate and the permission of the other Executors, the latter being the problem due to lack of cooperation. This being the case, plus the apparent lack of Probate - meaning the Will is therefore not in the public domain - is there any other way I can obtain a copy? I would like to be certain the assets were disposed of in accordance with the wishes of the deceased as I have reason to believe there may be some discrepancy. I have discovered the deceased made several Wills before death (while in the care of the Executor sibling), two in the same month, and the property has not gone to the person the deceased and their spouse (who died first) always wished it to (which was not me, by the way). How can one be certain it is indeed the very last Will & Testament that's been acted upon by an Executor - or that it's been carried out properly? If Probate has not been granted, can anyone who has a Will of a deceased person obtain Probate - in other words, is it the first person to get there, so to speak? Can someone dispose of property and/or effects without Probate? Are beneficiaries entitled to see the Will?