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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.  
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    • 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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Unenforceable Credit Card/Loan Agreements


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thanks for reply.

 

if our loan amount was for 25k, will we still qualify as its right on the threshold?

 

 

Sorry, I am not sure, you need to seek advice

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HI, Hve checked said websites, didnt find the answers to all my q's. dotn know if any moderators can help out? or advise of other posts for me to check and read up on? ever so greatful.

 

have sent off CCA letter today to nationwide. and am thinking to do the same to those **&^%S at HSBC for my managed loan too, seens as thyre not takign seriously my repayment offer and hardship case seriously.

 

does anyone know if the CCA1974 act would also apply (same rules) to a 'managed loan' as to an ordinary loan.

 

P

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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Hello All,

 

Thanks to everyone whose posted their comments on this forum, I have found it very useful.

 

I have done alot of research on companies that claim they are able to make your oustanding credit card and loans balances unenforcable.

 

Results of my research: So far, there are only 2 companies with a 100% success rate with every related case they take to court. One seems to be better than the other but I won't to into details right now. Each credit card or loan is treated as a separate case. These 2 companies both charge between £300 to £500 for each case. But if they decide to take your case to court, they GUARANTEE 100% success rate. If after considering your case they see that there is even a 1% chance they will not win the case, they do not proceed to the court and they FULLY refund whatever you have paid.

 

The processing times for Credit cards is 3 to 6 months. For Loans, its 6 to 9 months. It is quite a long time in my opinion but then most certainly worth the wait because if they decide to take your case to court, then they gaurantee 100% rate of success. The great thing about them as well is that they keep you posted with thier progress every step of the way.

 

I graduated from Uni last year with about £11,000 worth of personal credit card debts. Now I'm on my way to being debt free which is just amazing. This company has been true to their word. I am currently awaiting judgement on the BarclayCard credit and HSBC Credit card.

 

I hope this helps.

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well they untill the 13th august to respond- lets see what happens.. will keep you posted and probably no doubt come back with some more questions then! cheers Pete

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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hi all, i have recived my letter form nationwide on friday last week (so within the time limits) but my question is - how do i know what they have sent is correct under cca1974. i have recived a photocopy (black n white) of a loan sheet (one page) has both my and my wifes signatures and someone form the banks signature. is this correct, and have they duly obliged? theres also a schedule of what we have paid to date with interest and the dates payments made etc. i have a feelign they have properly obliged here - but if someone can let me know... or if theres anything else i need to look for/check/do etc would appreciate any advice.

 

i can post up a copy of the agreement if needs be?

 

Pete

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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bump?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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hi all, heres a copy of my CCA letter response from nationwide, does anyone know if theres a proper nationwide thread relatign to loans/cca letters...

 

can anyone please spend a minute and put me and my wifes plea for help to bed.... were misearble with this and its cuasing so muich heartache and stress for us both... i have a feelign they have played ball and fully complied... i just need to know if this is enforceable

 

thanks guys really appreciate any help with this.

 

hope my attachment insertion has worked, first time tryign this..

 

 

loan agreement for nationwide.jpg

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=11622&stc=1&d=1250259356

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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help......anyone, really need to know something on this, wife is freakign out, as am i... need somthing to be abel to go back to them with ... but dont know where we stand?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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help......anyone, really need to know something on this, wife is freakign out, as am i... need somthing to be abel to go back to them with ... but dont know where we stand?

 

pdaddy

 

Chill Chill, start a new thread with your details and somebody will be along.

 

Good Luck

 

Mr W

Regards..Mr Worried :)

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  • 4 weeks later...
  • 1 month later...
Because tjdaz is using EDIt (he writes) and suggested that we lok at the website

 

You would'nt make a detective....tjdaz is phishing for business touting a company which no doubt he work for.mr ton is a mod/admin ( I think ) and rightley so has moved the Info from the site...simple really.

 

Hope that clears things up a bit for you.

 

Mr W

Regards..Mr Worried :)

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Most of the companies touting on this forum don't have a licence, they are not monitored by the FSA. When things get tough they normally leave you to fight off losing your home. We have seen this so many times on this forum. If you need help in claims or defending claims against you, get professional help.

 

I have just tidied this thread up. . . please don't hijack this thread.

Edited by ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Hoi geoffthecheff....with a CHIP on your shoulder..

 

Your comment is a disgrace and I will suggest to the mods that you be removed from the forum..

 

Did you tell your daughters boyfriend ( YOU BORROWED THE MONEY PAY IT BACK) RE your post Nov 5th @ 19.23.

 

You need to sit in the corner and have a word with yourself, and keep your negative comments for you and your 'friend'

 

Hope it rains over you today.

 

Mr W

Regards..Mr Worried :)

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