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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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lloyds credit card have helped themselves


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My CC account was handed to Collections but that didn`t stop them helping themselves to £740 out of my current account.

I was livid and yes they have done it before. I phoned up and insisted they had no right to take it upon themselves to overide my financial priorities (my wife and kids).

They replied that they`d put the money back into my current account but would take 7-10 days (unbelievable).

Well ....... it actually took 22 days to get the money back .

Thieves.

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  • 2 weeks later...

Terrible, isn't it? :sad:

 

In my case they took money from my bank account to pay for the credit card, but I didn't know they were going to do this, the bank account funds were promised elsewhere, and then they charged me unplanned overdraft fees. I was furious.

 

Needless to say I never use that debit account anymore.

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Lloyds have helped themselves to money from my current account to pay my loan account on 2 occasions leaving me in the s**t both times. I have complained to the Ombudsman and am awaiting an adjudicating officer to investigate. Apperently, leaving a customer in financial hardship is grounds for complaint. Will report back with any outcome....

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Had a similar thing this morning. Cancelled DD for Lloyds loan to come out of my current account and I didn't pay on 1 December as I didn't have the money they then they took the amount when my account when into credit a couple of weeks later. I phoned them and they are returning the payment as it deprives me of being able to pay priority debts and they have now set me up a payment play for next six months at a tenth of my original payment and apparently its interest free. Gives me a bit of breathing space to sort out other creditors in the meantime!

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Lloyds have helped themselves to money from my current account to pay my loan account on 2 occasions leaving me in the s**t both times. I have complained to the Ombudsman and am awaiting an adjudicating officer to investigate. Apperently, leaving a customer in financial hardship is grounds for complaint. Will report back with any outcome....

 

Crikey I had the same thing!!! They took money out of my account and left me with no money to pay DD's that were going out the same week. Plus they hound me on daily basis on the phone!

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  • 2 weeks later...

Similar has happened to my friend. She gets a letter today to say there were insufficient funds to pay her mortgage, even though she thought she had left enough there.

Turns out they paid the mortgage, then (somehow? is THIS legal?) stopped that payment to award themselves their charges.

The mortgage was due the 31st Dec, the bank charges the 3rd Jan.

(Sorry, not sure if I should have started a new thread on this)

Rip x

 

 

 

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  • 1 month later...

Hi had the same problem TWICE the money got taken out-Nov and DEC 2008-they refunded the first one in the 7-10 day period then said they couldnt refund the second one as they only do it once- even though i had no money left for food after essential bills in December(yeh it was a crap christmas)- i have changed banks in the meantime it just took longer than i thought to set up thanks to LTSB- i have an overdraft now left with tsb where they are adding on unauthorised fees to it each month for the amount as i cant reduce it gradually or they will take the charges for the cards again!! i have to pay it off in one go-so how??

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Hi, subscribing as we are having long term battle with LTSB after they allowed Greenflag to take money out of OH's account using an expired debit card. At the time Greenflag were somehow connected to LTSB and OH had agreed to pay in £50 a month to clear the O/D which was all charges anyway, and as soon as he paid the money in it was paid to Greenflag using the debit card. If we had tried to use the card it would have been rejected. We have a file full of letters and the matter has never been explained to us satisfactorily, and needless to say we did not pay any more money into the account.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Crikey I had the same thing!!! They took money out of my account and left me with no money to pay DD's that were going out the same week. Plus they hound me on daily basis on the phone!

 

 

I would recommend that you complainin to the Ombudsman too, i have been assured that whilst it is within in their terms and conditions that they have the right to move money from one account to another (seriously underhand imo) they they should NOT leave you in financial difficulty.

 

Send them the telephone harrassment letter too, tell them you will only communicate by letter.

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Similar has happened to my friend. She gets a letter today to say there were insufficient funds to pay her mortgage, even though she thought she had left enough there.

Turns out they paid the mortgage, then (somehow? is THIS legal?) stopped that payment to award themselves their charges.

The mortgage was due the 31st Dec, the bank charges the 3rd Jan.

(Sorry, not sure if I should have started a new thread on this)

 

 

Same thing, i have been assured by the Ombudsman that they take a very dim view of this.

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Hi had the same problem TWICE the money got taken out-Nov and DEC 2008-they refunded the first one in the 7-10 day period then said they couldnt refund the second one as they only do it once

 

 

That's nonsense, they can do it, they have done it twice in my case and refunded it (after i demanded it and told them what the Ombudsman had said about leaving customers in financial difficulty)

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Hi

 

HSBC did this to my oh, we complained to the fos and then the bank refunded most of what they had taken after we had faxed proof of our priority debts. the bank reacted very quickly after the fos contacted them. different bank I know but i thought it might be useful to know.

 

regards

 

cas

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Well that was very interesting and contained some useful quotes regarding banks use of "right of set off"...

 

Tony Herbert, Social Policy Advisor at Citizens Advice Bureau says: "We are calling on the banks to adhere to the banking code, to treat their customers fairly and put a stop to this practice"

 

better still....

 

Robert Skinner, chief executive of the Banking Code Standards Board says "The right of set off which is clearly a legal right the banks have, should not be used to the detriment of someones ability to pay priority creditors, for instance their mortgage or their council tax or indeed utility bills or leave enough for day to day living expenses"

 

You can listen to the whole programme here: http://news.bbc.co.uk/1/hi/programmes/moneybox/

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