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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Suzy H v Nationwide ***SETTLED***


Suzy H
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Hello everyone

 

New girl on the block so thought i'd just say hello ;) I have been reading all your posts for a couple of weeks now and am in the process of opening a new basic account with the Nat West (so I have an account when they close this one). Fingers crossed this goes well as I have a very poor credit rating :(

 

I thought I was ready to go but have just discovered the 'Scotland' forum so although i'm kinda back to square one on the swatting up ... ah well ... my enthusiasm for getting my money back has not gone ... woo hoo :rolleyes:

 

Like everyone starting out - I am very nervous but with your support and words of wisdom I guess things will get easier.

 

Good luck to everyone and I look forward to updating you all with my progress

Thank you :-)

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Hi and welcome to the forum - we're a friendly bunch on here :)

 

Please do keep us updated and we can help you whenever we can - have you any idea of how much you are claiming back yet?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi Suzy. Don't be discouraged: I have a terrible credit history, but I got a Step account with Natwest with no problem. I have my fingers crossed you'll get one too!

Nationwide: £2443. Settled in full

Co-operative Bank Visa: £351. Settled in full.

MBNA Visa: £476. Settled in full.

AA Account with Capital Bank: £80. Settled in full.

Capital One Visa: £160. Settled in full.

Paragon Personal Finance: £120 fees SETTLED ERC claim withdrawn Feb 07.

Kensington Mortgages: Claim withdrawn Feb 07.

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Hi guys

 

Thank you so much for the very warm welcome :)

 

Dolly ... I think since opening my account in Dec 2003 i've probably accumulated charges on my Nationwide account for about £1500 (as a conservative guess) -which would really go a long way just now as I am unemployed & about to start a uni course in Oct (however I WILL make a donation).

 

Ladymoonray ... please keep those fingers crossed for the 'Step Account' as I need all the help & luck I can get right now :wink:

 

melc - I also wish you good luck on 'your quest' - as soon as I start my proceedings I will update this thread :) - look forward to reading your updates as well.

 

Thanks again for the warm welcome x

Thank you :-)

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:D got a letter from NatWest today saying I now have an account with them so have got my Data Protection letter printed off and am now off to the post office to get a £10 postal order. I'm sending it special delivery to Gary Parkins in Northampton.

 

I have also printed off the Consumer Credit Act letter and am sending it off with my £1 to 'Moorcroft' (man are they nasty people so i'll enjoy that one lol)

 

I'll keep you posted on my progress :)

Thank you :-)

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I received a very nice letter of acknowledgement from Nationwide this morning from Sue Taylor - Data Protection Administrator so just waiting for statements now :-)

 

As of yet i've not heard a peep from Moorcroft but so far my 5 calls a day have gone down to zero so fingers crossed the nasty threatening court letters and phonecalls have now stopped :-)

Thank you :-)

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Got my letter a few days ago, i'm starting the 40 days from when they signed for it on 12/07, only 32 days to go:o ...hate this waiting!!!

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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Hi - not sure if I should start a new thread as it is about Moorcroft and not Nationwide or if I should continue with this thread as this is now mine (sorry if i've done it wrong)

 

Anyway ... after reading 'hagenuk's' reply to 'ianfms's' 'moorcroft debt collectors' I am now confused (ok not a hard thing to do with all the info i'm trying to take in at the mo lol) I posted my CCA on 14th July and Moorcroft recieved it on 17th July so am I now right in thinking that if I haven't heard anything by 29th July (12 days after receipt of letter) they have to obtain a court order to resume collecting the debt and if I still haven't heard anything by 16th August (30 days after receipt of letter) the debt becomes unenforceable!?!

 

Sorry if it's a really obvious question - it's just that until I read that post I was under the impression they had 28 days to provide the info.

 

Thanks in advance for the help :-)

 

Davisc02 ... I to hate the waiting but glad in a way so I have time to compose myself between each stage lol

Thank you :-)

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If you have access to internet banking for Nationwide, they have a very handy feature which enables you to see all charges and associated interest as a list of transactions.

Rotaryboy v

 

1)Nationwide

11/8/06 moneyclaim issued

25/8/06 letter received saying NW will pay back charges in full :-D £50.88 rec'd

31/8/06 remaining £480.00 rec'd today SETTLED IN FULL!

 

 

2)Lloyds TSB

S.A.R - (Subject Access Request) sent

10/10/06 statements rec'd

11/10/06 1st letter requesting payment for circa £5500 - (personal account) - have circa £1100 still to claim on business accounts

This is the big one!;)

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Hi 'rotaryboy' - thanks for that just had a look at my statements back to June '04 and I nearly fainted £3111.86 in charges :shock: I opened the account in December '03 so will need to wait and see if there are other charges to go on final total.

 

It's a shame we (in Scotland) can only claim in £750 bundles ... this is going to take forever trying to get it all back but after seeing that figure it will totally be worth it as that figure alone can clear off a big chunk of my existing debts - what a fantastic feeling that would be :-)

 

Good luck on your own quest

 

'davisc02' did you find your online statements & list of charges ok?

Thank you :-)

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I downloaded back till April 2004 with the individual downloads I was just a bit confused with the "list of charges" bit, is this just the page that comes at the end of the monthly statement? The way Rotaryboy said it seemed as if you could just somehow display online a list of charges which I can't see how you can do.:-|

 

Cheers

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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Hi davisc02

 

Yeah that's what I did as well as I couldn't see where to download as a list of charges either :rolleyes:.

 

Still waiting for my statements to be delivered but can't believe total so far! :shock:

 

Good luck

Thank you :-)

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  • 2 weeks later...

Great new, that's a nice sum to get back :)

let us know how they respond!!!

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Sorry, haven't been on for a few days!

 

If you go into the full statement page online, you can select the type of transaction (including charges applied) and see all the charges incurred for a given period. You can only go back 15 months online if memory serves, but it is a good starting point.

Rotaryboy v

 

1)Nationwide

11/8/06 moneyclaim issued

25/8/06 letter received saying NW will pay back charges in full :-D £50.88 rec'd

31/8/06 remaining £480.00 rec'd today SETTLED IN FULL!

 

 

2)Lloyds TSB

S.A.R - (Subject Access Request) sent

10/10/06 statements rec'd

11/10/06 1st letter requesting payment for circa £5500 - (personal account) - have circa £1100 still to claim on business accounts

This is the big one!;)

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  • 2 weeks later...

:rolleyes: received my 'thank you for getting in touch about your charges ... but you're still not getting your money back' letter this morning from Sarah Watson.

 

So now going to send off my 'letter before action.' I'm another step nearer to getting there :) Still positive but of course looking forward to the end.

Thank you :-)

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  • 3 weeks later...

Posted my Letter Before Action and it was recieved on September 07th. Still no word from Sarah Watson but hoping to hear from her before the 14 day cut off (21/09) - cutting it fine I know :rolleyes:

 

I'm totally expecting it to be the last of the 'take a hike' letters so i'm going to have to get my head round the court stuff now :o

 

I'll let you know when I get my LBA reply and hopefully you will be able to help me with the paper work etc :)

 

Thanks for all your support and encouragement so far - it really has been invaluable.

Thank you :-)

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We will definitely help - don't submit the claim until someone has checked over it, just post details on here and we'll make sure everything is ok.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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14 days in total Suzy - then on with the claim!

  • Confused 1

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Me too Suzy - I've not heard a sausage from NW from my prelim letter which they received on 7th Sept so I'm sending my LBA out today, then waiting another 14 days till MCOL...

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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