Jump to content


  • Tweets

  • Posts

    • 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.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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
        • Like
      • 161 replies
    • 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
        • Like
  • Recommended Topics

hbos won/default removed/now lowell default


postggj
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5675 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

http://www.consumeractiongroup.co.uk/forum/halifax-if-successes/116741-halifax-default-credit-agreements.html

 

 

this is a link to my original thread

 

just got an equifax alert

lowells have just put a default on my credit file

 

just a recap

 

this was a aqua card

hbos in writing say they have no record of a cca, no default notice

all collection activity will be recalled from any dca

default removed feb 2008

has been put on twice since then by hbos in error, both times after a very angry call to them, removed in two weeks.

 

this time, not bothered by hbos

its lowells ime after

 

now they have defamed my credit file, they are going to pay big time.

need to get my options straight.

i believe pricing a default is £1000 plus the value of the default

illegal processing of data etc

 

i need to get my pre action protocol correct

can i go straight to court on this one, or should i argue it out with lowells.

reason being, they are going to take there time, and the default will still be on my credit file

 

can any body do a decent poc for me as i will be serving this n1 on monday

Link to post
Share on other sites

just being going through my old correspondents

found one from lowell dated 21/01/98 over this account

thats when i confronted hbos

lesson to all, keep all correspondents

informed lowell no cca/default notice etc

hbos default was on credit file at the time

telephoned lowells about dispute and not a peep out of them since

 

this is strange that hbos deleated there default and its taken lowells ten months to put on there one

Link to post
Share on other sites

Its Time To Put The Leeds Loosers In There Place

 

Comments Please And Is Lowells Address Correct

 

lowell Group

Enterprise House

1 Apex View

Leeds

Ls11 9bh

 

letter Before Action

 

Dear Sir/madam

After Receiving An Alert From The Credit Reference Agency Equifax, It Appears Your Company Has Registered A Default On My File.

The Credit File Details Listed Below

 

Company Name/insight Account Number

Lowell Portfolio 1 Ltd

Account Type Credit Card

Current Balance £ 981.00

Status Defaulted

Date Updated 30/10/2008

Default Date 29/09/2004

 

Your Company Contacted Me Reference This Account On The 21/01/2008.

I Informed You That I Was In Dispute With The Original Creditor Halifax Bank Of Scotland Over This Account And That They Had Failed To Supply As To My S 78/79 Consumer Credit Agreement Request For A Copy Of Any Agreement.

Halifax Bank Of Scotland Contacted Me On 3/08/08 ( Copy Enclosed ) That They Were Unable To Provide A Copy Of My Agreement.

Neither Were They Able To Provide A Default Notice, Or Termination Letter.

A Further Letter Dated 19/10/2007 It Was Confirmed That The Ammount Of £ 981.67 Is Coded For Write Off And That They Would Not Be Enforcing The Agreement.

It Was Also Stated That In Error The Alledged Debt Was Passed For Debt Sale Before They Brought It Back Fully Under The Banks Control.

I Require An Explanation As To Why Your Company Is Processing My Data And Why Your Company Has Registerd A Default When It Has No Legal Authority To Do So.

The Original Default Was Removed By Halifax Bank Of Scotland After I Instigated Legal Procedings Against The Bank.

take Notice

 

This Is A Fourteen Day Letter Before Action Allowing Three Days For Service.

Unless Lowell Remove All Details Including Searches From My Credit Files By 20/11/2008 The Following Action Will Be Taken.

With Out Any Further Reference To Your Company An N1 County Court Claim Will Be Placed Before My Local County Court For The Removel Of The Data From My Credit File.

Compensation Will Be Requested For Defamation, Priced At £ 1000.00 Per Default.

Woodchester Lease Management Services Ltd V Swain And Co.

I Am Also Of The Opinion Your Company Has Committed Offences Under The Consumer Protection From Unfair Trading regulations For Which A Compaint Will Be Made To The Relevent Authorities.

This Letter Complies With All Pre Action Protocol

Mr Postggj

Edited by postggj
Link to post
Share on other sites

This should be the bits you need

 

  • The Claimant respectfully seeks;

a) An order under s. 14 of the Act, subsections 1 and 4, that the inaccurrate data be rectified, blocked, erased or destroyed.

b) An order under s. 14 of the Act, subsections 3 and 5, that the Defendant notify third parties to whom the data have been disclosed of the rectification, blockage, erasure or destruction of the data.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

this is interesting

yesterday, i sent the above letter to lowells by email

it got returned

strange as i got it off there web site

 

[email protected]

 

sent today by special delievery

 

You could try [email protected]. I eventually got a reply after sending an email here a week later - in the post:rolleyes:

Link to post
Share on other sites

I NEED SOME SERIOUSE ADVICE ON THIS

 

lowell has just replied by phone

great things internet ( skype numbers )

just got a big appology from lowells

there reply was that this account was recalled by hbos and it was an automated process that has caused this.

human error

 

they have confirmed all data ref lowells with immediate effect will be erased.

 

not at all happy with lowells

they have done the decent thing and addmitted there mistake,

not good enough

if these people think they can trash peoples lives being a law unto themselves, they can think again

 

need to do this correct

damages claim in the pipe line

need expert advice please

Link to post
Share on other sites

just got this email

 

I am writing following our telephone conversations today along with receipt of your e-mail.

 

As discussed, I can confirm that in January 2008 HBOS plc did request that that we close our files in respect of this account and return it to them. Regrettably, an isolated administrative error by a member of our staff resulted in the account following an inappropriate procedure which has caused an incorrectly recorded default to appear on your credit file and I would not hesitate to offer my apologies in this respect. I would assure you that a request has been sent to the relevant credit reference agencies instructing them to remove this entry from your credit file. Following our second conversation, I would also assure you that a further request has been sent to the same credit reference agencies to remove all searches from your credit file carried out by the Lowell Group of Companies.

 

Please accept my sincere apologies for any inconvenience or upset that you may have been caused as a result of this unfortunate error. If I can be of any further assistance please do not hesitate to contact me.

Link to post
Share on other sites

this is interesting

 

from my email yesterday, there reply, telephone conversation,

today 24 hours later, default gone after i checked all my credit files.

the cra do not work that quick.

i know the major banks have a direct link with the cra and can ammend records direct.

hbos confirmed this to me last year

is this the same now for the dca

heaven forbid

Link to post
Share on other sites

some advice please

 

i have lowell by the nuts and they know it.

this time i would like to have the litigation thrown at them for a change.

 

now as lowell have addmitted the error and have corrected there mistake, how would this look in court for me

Link to post
Share on other sites

I may be going down this road soon so I would be interested to find out if you can still take court action against these thugs.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...