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    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • 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.  
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County Court claim, Urgently Need Advice, Please Help!


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Many thanks for your reply Jesteruk,

 

 

To me the defence posted above is fine and should get the case thrown out.

42man will prpbably confirm this as well

 

I just wanted to be sure it was ok before I file it later today.

 

Mr carter does seem to have gone very quiet since I did my AOS saying I was going to defend all of the caim.

 

Many thanks again :)

 

Jadzia

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Mr carter does seem to have gone very quiet since I did my AOS

 

Probably because he actually recieved one from someone other then a solicitor!

 

He is just a man who loves to bully!

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

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DONATE TO CAG - every tenner helps!

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  • 3 weeks later...

Still heard nothing from Bryan Carter he still hasn't responded to, or acknowledged my CPR Part 18 request they received and signed for on 12 Sept....Should I do anything about that?

 

I filed my defence online to the court on 29 Sept and the court sent me a letter (dated 29 Sept) saying:

 

"I acknowledge receipt of your defence. A copy is being served on the claimant (or the claimants solicitor). The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen.

 

Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay."

 

Is this the normal response?

 

Should I be doing something or just wait it out?

 

I thought Mr Carter would have been in touch by now.

 

Many thanks :)

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just giving your thread a little nudge. It might be that BC will not proceed, having been found out in his little trick of attempting to split the claim :) I am sure someone will be along soon. If not, you might try pming either jester or 42man and asking them to pop along to your thread. :)

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Still heard nothing from Bryan Carter he still hasn't responded to, or acknowledged my CPR Part 18 request they received and signed for on 12 Sept....Should I do anything about that?

 

I filed my defence online to the court on 29 Sept and the court sent me a letter (dated 29 Sept) saying:

 

"I acknowledge receipt of your defence. A copy is being served on the claimant (or the claimants solicitor). The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen.

 

Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay."

 

Is this the normal response?

 

Should I be doing something or just wait it out?

 

I thought Mr Carter would have been in touch by now.

 

 

Can anyone help with the above please

 

Many thanks :)

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Ring the court towards the end of next week to check the status of the case, unless you get a discontinuance from carters in the meantime( most likely), but even if you do still check with the court to make sure carters have filed a notice of discontinuance.

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Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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subscribing

 

Biting off more than he can chew seems to be a bad habit with BC

 

It does make one wonder how many he does get away with though, I would assume quite a few given that he seemingly does it at every opportunity, make sure you claim for your costs, make the b@gger pay for his stupidity

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Knowing BC, and there tactics, they have buried there heads in the sand.

Hell they got a big shark on the end of there fishing line and when they recieve your defence, they should realise what they have reeled in.

sorry had a few too many beers!

 

Be patient and your CPR request may take them time as they have to get all the info from Shop direct, something they should have done BEFORE they applied to the courts. Mr Carter likes to issue these threats and most people cave in and ring him up with a preposal, he would then continue with court action knowing theres no defense and he wins. But as your defending your actually giving him some work. If he fails to provide the CPR info - thens its in your favour

A judge will almost certainly throw it out, if and when it goes to court, for BC's failure in CPR requirements. If that happens issue the wasted costs order.

 

As Creditcardmug stated, wait till end of next week and contact the court to see if there is any sort of acknowledgment from BC

 

good luck!

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Knowing BC, and there tactics, they have buried there heads in the sand.

Hell they got a big shark :eek: on the end of there fishing line and when they recieve your defence, they should realise what they have reeled in.

sorry had a few too many beers! :-D :-D :-D

 

 

Many thanks spamheed, detectall & Jesteruk

 

Will keep you posted :)

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  • 2 weeks later...

Hi all,

 

Ring the court towards the end of next week to check the status of the case

 

I've just rang the court to check the status of the case and they said the claimant has 33 days from the 29 Sept to inform the court if he wishes to proceed...(1st Nov, if i've worked it out correctly)

 

I told the man I spoke to at the court that I wasn't really sure what alleged debt this case was about and that Bryan Carter had chosen to ignore my part 18 request for further information...

 

he said to give Mr Carter a ring and ask him to reply to my part 18 request as he may not have received it. I pointed out that it had been received and signed for by D. Carter on 12 Sept...he again suggested that I give them a ring!

 

It doesn't look like he's going to discontinue...hasn't he usually done it by now if he's going to?

 

If the claim get's stayed and not discontinued are you still able to send a wasted costs order? I want to donate some to CAG!

 

Many thanks :)

Edited by jadzia.dax1
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Time is running out for them to comply !!...I certainly wouldn't ring them, sending it by recorded shows they received it....i'm not sure on the wasted costs aspects, but hopefully somebody will add some comment on this...

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Its ok just sit tight for now,you cant claim your wasted costs until a) discontinuance b) claim struck out.

 

Dont worry i still cant see it going past the AQ stage.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 2 weeks later...

I've received my AQ for this...

 

In part A Settlement it asks if I would like to use the free small claims mediation service, to help settle the claim.

 

Not to sure how to answer this because I can't settle if I don't know what alleged debt he is claiming for...he hasn't supplied me with any information and has completely ignored my part 18 request...(it was signed for by D Carter on 12 Sept).

 

but if I don't say yes to trying to settle through mediation, won't I look like i'm being awkward?

 

As for part G the other information bit it asks me to set out any other information I consider will help the judge to manage or clarify the claim, including any other information I consider should be supplied by the other party...What should I put here about him ignoring my request for further information and what should I be asking for?

 

Many thanks :)

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Hi, Heres some info to help with the AQ

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/131499-directions-n150-n149-allocation.html

 

I wouldnt bother with the mediation, waste of time.

 

Get back with any other questions, take you time with it.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Ive tried it both ways, the time i ticked yes the court still didn't order it in the directions.

 

So if it bothers you tick yes, i still really cant see them paying that allocation fee, in which case it wont matter anyway.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I wouldnt bother with the mediation, waste of time.

 

 

 

 

 

I agree but won't that make me look like i'm being awkward though? :)

 

 

Not at all, they have been given plenty of time to provide you with information in order for you to settle matters, rather than supply that information, they started court proceedings. Who is going to end up looking awkward, not you that's for sure. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Part G the other information bit it asks me to set out any other information I consider will help the judge to manage or clarify the claim, including any other information I consider should be supplied by the other party...

 

 

My AQ has to be in by 17 November...I've filled it all in except for Part G the other information bit.

 

What should I put here about him ignoring my request for further information and what should I be asking for?

 

Am I able to ask for the court to order him to comply with my part 18 request or for his case to be struck out or something?

 

I want to put in the right wording/requests in now incase it messes me up for getting information later.

 

Do I need to do a draft order for directions.....or whatever it is you do at this stage? :???:

 

I still haven't heard anything from Bryan Carter since the claim was issued.

 

Many thanks :)

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good luck Jadzia, you should have any problems with this one.....as for the answer to your Q's, im unable to help.

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Many thanks Jesteruk :)

 

I've just re-read the answers given and for some reason I didn't see the link posted by creditcardmug in post 43...

 

I think if all that applies to me it will have answered a lot of my questions ...sorry I missed it earlier :oops:

 

Many thanks to all who are helping me through this :)

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