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    • 25/05/2024? That the deadline or the date of the claimform?
    • 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 if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. 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
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OH HSBC credit card debt


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  • 9 months later...

Hi Everyone

Continuing saga of O.H. v HSBC .Ref a Credit card. Gone the route with SBC who stated in writing "there was no point in further correspondence in this matter" 2 years ago. Since then Moorcroft tried and went away and last year Lowells surfaced and went away after non acknowledgement letter. Latest is letter together with photocopy of 2 statements from over 7 years ago at previous address + photocopy of T&C's + application form filled out with O.H's details at previous address - not where card was issued to! Beleive they are p***sing in wind, as copy statements were from HSBC Birmingham ? Card was Midland card originally. Any thoughts? hank You

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I would send them 1 final letter stating as the information supplied purporting to be copies of statements,T&Cs and application are all incorrect you do not expect to receive any more communications with false information.

 

How far away from being SB?

 

FS

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When was the last payment or acknowledgement

of the debt.

Miland was swallowed up by HSBC.

Before sending ANYTHING you need to check your

credit files and see the status of the account, it's

pointless sending any ''final'' letter until you are

sure,as the information is not false it reflects

the take over of the card issuer.

Were any payments or acknowledgments made

after the date 0n the statements you have received?

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Was the ''application form'' signed?

Do the statements show traceable

use of the account, name, address

etc.,

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No, application form not signed and even made out at previous address not where card was originally issued

just OH name & address. Card statements show a few items bought and old credit limit

Should have said all this saga is in OH single name prior to us getting married

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Ok, now you need to put the account into

dispute as the CCA information does not

comply, use the template letter in the CAG

library and tell them that no further correspondence

can be entered into until the compliant signed

and properly executed agreement is supplied, send

this letter recorded delivery addressed to THE COMPLIANCE

MANAGER at Lowells, check delivery on line.

 

Brig.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No they have not complied with

your lawful request by sending an

unsigned app form this is the account

now in dispute letter no fee needed,

it now puts them to proof of the debt

and their right to collect.

Have a read through the templates

I think there may be a couple to suit.

 

Brig.

 

Let me know if you need help

with it and I'll put something together

which you can amend.

 

Brig.

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Thank You Brig

I need help because I sent Lowells the " serious dispute" letter - their response before was that HSBC stated they had closed complaint and sent final response letter but amount was still owed. this sent them away last year so when they wrote recently I sent same letter, but this time received above info and statements

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OK, what you are telling the now is that

the documents they have supplied do not

comply with a request under CCA 1973 sections 77/78,

and until they comply you will not correspond further,

this is Lowlife attempting the BULL SH*TE baffles

brains approach by sending meaningless bog paper.

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Thanks Brig Will send tomorrow, and allow them 10 days + 2 to respond with copy of SIGNED agreement or they are also in serious breach. You've been great Will let you know result. Weight off my mind & OH Thank you once again

bb

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bb, The time limit is not relevant on this

letter as it is a complaint of non compliance

under the CCA 1974 just state you expect

a reply within 14 days as the final sentence

of the letter.

Brig.

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