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    • 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 
    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
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HFO claimform - old Morgan Stanley Card Debt **WON**


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Excellent IGNM! This is what the Cabot people came up against because the assignment instruments were copies contained in a book debt transfer. Although obiter it could be cited at disclosure and in a Part 18 request - don't you think?

 

Best - Richard.

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Does a book debt transfer amount to a valid assignment - depends on what the documernts say.

 

Court of Appeal obiter actually carries a lot of weight in the County Court so it should be cited.

 

I personally wouldn't use Part 18 to try and get a copy of the actual assignment - use CPR 31.14 - it specifically requires disclosure of any document mentioned in any claim form. witness statements etc

 

As an example if you just wanted them to answer a question - say asking the date of assignment that is what I would generally use Part 18 for IF HOWEVER you wanted the document I'd generally use 31.14

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Back from my hearing.

Application for permission to appeal granted.

 

Well done BA. Now we can all help with the appeal itself if you like.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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The Judge recomended the appeal be heared by a chancery Judge who would have more knowledge of credit law.

 

I made him aware of s127, which he looked up and I quoted Wilson v FCT.

 

In general the judge was understanding and listened to my points unlike the previous hearing.

 

He still raised the moral argument though.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Excellent...that is seriously well done...and of course we'll all help out - did he give any directions - presumably you've got to serve the other side.

 

Just out of interest which court is it in?

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I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Excellent result Broken Arrow. Sounds like this was a fairer judge than the last. I do wonder if the events of the past six months (bankers, banks, greed and devastation) has given these DJs a different insight. One can but hope.

 

Re the moral argument though - courts only deal in points of law. Don't they?

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Whooo hoooo! Made my day :D

 

Quite right Rhia - courts deal in law, not morals. As if HFO had any morals...whose morals are in question, I wonder?

 

Well done BA. Makes the first judge look like a bit of a monkey. Incidentally, a deputy district judge was sacked the other day - the first one in 30 years! Talk about a safe job!

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Excellent...that is seriously well done...and of course we'll all help out - did he give any directions - presumably you've got to serve the other side.

 

Just out of interest which court is it in?

 

Leeds

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Leeds

 

I'm in Sheffield - who was the Judge who did the permission to appeal.

 

If you post the date of the appeal, assuming I'm free, I'll come over and provide a bit of moral support

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Well, we need to get all the CAG big guns onto this to make sure it's watertight and that any 'moral' issues get blown out of the water. Look forward to another battle in the war against the vermin!

 

(Sorry, IGNM, didn't mean your 'moral' support!)

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Whooo hoooo! Made my day :D

 

 

Well done BA. Makes the first judge look like a bit of a monkey. Incidentally, a deputy district judge was sacked the other day - the first one in 30 years! Talk about a safe job!

 

That's unusual - although they do actually get rid of Deputy DJ's - a Deputy is only on a fixed term contract - its' not unknown for contracts not to be renewed but to sack one - do you know why? If so do tell

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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The Judge recomended the appeal be heared by a chancery Judge who would have more knowledge of credit law.

 

I made him aware of s127, which he looked up and I quoted Wilson v FCT.

 

In general the judge was understanding and listened to my points unlike the previous hearing.

 

He still raised the moral argument though.

 

Well done BA. Don't worry about the 'moral' argument. This is a court of law - and Lord Hoffman's speech on 'unfair enrichment' will deal with the moral point.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Quotes from the Daily Hansard Parliamentary Debate regarding Debt Collection and the Consumer Credit Act on 22 April 2009 beginning at column 338.

At column 341 Mr Andrew Mackinlay (Thurrock) (Lab) states:

The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” [my emphasis added]

At column 342 The Minister for Trade, Development and Consumer Affairs (Mr. Gareth Thomas) states:

“The OFT would expect the debt collection agency concerned to have checked the accuracy of the client data details that it received from the creditor or agency, and, where possible, to have obtained a copy of the original consumer credit agreement.” [my emphasis added]

See the original Hansard publication on the link below:

House of Commons Hansard Debates for 22 Apr 2009 (pt 0019)

HTH

Regards – Richard.

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I don't know what I'm doing then...I'll check when I get home...if I'm free I'll come over to Leeds - what time are you up

Edited by I've got no money

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I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Have you been orderes to file a skeleton - even if you haven't as an LIP you'd get away with filing one - likewise doing an amended defence...

 

We need to come up with something good - and we will

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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