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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.  
    • 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.    
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    • Hello,

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How credit cards & bank loans REALLY work - Learn, & this will change your whole life!!


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Rufftuff-

It's horrendous-they don't respect, age, infirmity, disability, illness or even death. The world has gone mad-corruption everywhere from the top downwards, which is why we've got to dig our heels in and make a stand, using whatever declining laws and justice we can lay our hands on. Thankfully there are still lots of successes against these Goliaths. Largely thanks to CAG and similar sites.

Thanks for the rep:)

Elsa x

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Hi Elsa, You nailed it there, they rely on the fact that we may not be equipped physically or mentally to take them on. I have paid up for four years, but now regardless of age and damaged spinal cord which affects every muscle I feel like part of a large army on the offensive. Cant wait for the next stage....................Ruff x

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  • 3 weeks later...
Since most of us know that the entire system is fraudulent, has anyone raised this issue with their bank? What kind of response did you get?

 

Has anyone made any progress in getting loans written off etc?

 

 

0h yes, yes indeed , currently working on over half a million's worth between my friends & myself. using Contract law, their non disclosure, they provided nothing of substance & value, a signature created the funds etc. once you get into this, its the biggest rabbit hole ever !!!! talk about their fraud & their deception!!!!!! OMG

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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for those wanting to play catch up on the much much bigger picture, i suggest listening to this podcast ( or downloading it) as a starter!

 

The Lawful Rebellion Guide Pt.1 | Over time, we will seek to give people as much standing as possible with Lawful Rebellion | Common Law, Commercial Redemption, Sovereign, Common Law | Lawful Rebellion

 

BTW it is said that God created Man in his own image. with Commerce somewhere down the bottom of the pile. Why is it then that Corporations seem to have so much power & sway over us, when we as Sovereign human beings ( number 2 under God) are so much more that these fictions & money grabbers.! We have SO much more power then any legal fiction. Corporation etc.

 

We have the Power to say NO !!!!!!!!!!!!!!!!!

Edited by nuke em

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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0h yes, yes indeed , currently working on over half a million's worth between my friends & myself. using Contract law, their non disclosure, they provided nothing of substance & value, a signature created the funds etc. once you get into this, its the biggest rabbit hole ever !!!! talk about their fraud & their deception!!!!!! OMG

 

Are you preparing for court cases on this, or just giving banks and DCA's a hard time?

 

I am at the beginning stages of this with about £20k (3 unsecured loans) which I simply cannot afford.

 

I am about to write a complaint letter highlighting all their fraud to them as justification for not paying them anything, although if the debt was genuine then I would negotiate some form of payment:lol:

 

Have you had any interesting responses from banks?

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i'm not going down the Court route (Public) , as i said games are played on courts and the dice are loaded ( against us) . I am am looking for my remedies in the Private.

 

oh yes i have had some very interesting sqirmish responses from banks & other "lenders" . one or two are dealing with my paperwork as if it is a "Hot potatoe" and they don't want to be holding it. Its all about getting the power back to the Man or Woman, no some dumb a*s corporation!

 

If you are at the begining of your Journey then i suggest a lot of studying is in order. My route is quite a bit different from the becoming-main-stream that is here on CAG ( although this is a very fine place to start your education)

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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Hi nuke em...

 

I think you'll find this interesting... it is beginning to happen and

I believe this is why the powers that be seem to be in one hell

of a hurry to get the World Government installed. Brown seems so

keen on calling these international meetings....

 

http://www.brasschecktv.com/page/760.html

 

 

charlie

Edited by charlie*
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for those wanting to play catch up on the much much bigger picture, i suggest listening to this podcast ( or downloading it) as a starter!

 

The Lawful Rebellion Guide Pt.1 | Over time, we will seek to give people as much standing as possible with Lawful Rebellion | Common Law, Commercial Redemption, Sovereign, Common Law | Lawful Rebellion

 

BTW it is said that God created Man in his own image. with Commerce somewhere down the bottom of the pile. Why is it then that Corporations seem to have so much power & sway over us, when we as Sovereign human beings ( number 2 under God) are so much more that these fictions & money grabbers.! We have SO much more power then any legal fiction. Corporation etc.

 

We have the Power to say NO !!!!!!!!!!!!!!!!!

 

happy new year nuke em!

 

and what is your conspiracy theory for christmas? i am sure the turkeys cannot be all that innocent a party in the proceedings? what are they up to?

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Hi nuke em...

 

I think you'll find this interesting... it is beginning to happen and

I believe this is why the powers that be seem to be in one hell

of a hurry to get the World Government installed. Brown seems so

keen on calling these international meetings....

 

Financial Coup D'Etat

 

 

charlie

 

 

Charlie, goto the link on post 281, listen & learn what they are saying, thats where i'm at

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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happy new year nuke em!

 

and what is your conspiracy theory for christmas? i am sure the turkeys cannot be all that innocent a party in the proceedings? what are they up to?

 

 

And the same to you. Turkeys are further down the ladder than us Humans, that's why we eat them not they eat us.

 

BTW did you personally follow the advices given in post 259 on this thread ? ,

 

also there no conspiracy theorys, nothing to see here, move right along!

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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And the same to you. Turkeys are further down the ladder than us Humans, that's why we eat them not they eat us.

 

BTW did you personally follow the advices given in post 259 on this thread ? ,

 

also there no conspiracy theorys, nothing to see here, move right along!

 

i gave all my belongings away to a charity

 

the destitute DCA fund i think it was called!

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i gave all my belongings away to a charity

 

the destitute DCA fund i think it was called!

 

Good Man! i personally would have picked a better charity , but i'm not you

 

now read this

 

China will soon have the power to switch off the lights in the West - Telegraph

 

you might want to pick up on what Gerald Celente has to say about this year, he is the world leading expert of Trends, via his trends institute

 

http://www.lewrockwell.com/celente/celente21.1.html

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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having been to university and studied the "bleedin obvious"

 

why would britain not do the same instead of using nuclear weapons- then we'd all be in the dark (just like you)

 

alternatively , if the chinks did that- who would they sell all their tat to?

 

finally, by 2050 my lights will already be out!!

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having been to university and studied the "bleedin obvious" Nurse Nurse, Dick y needs his meds! he thinks he went to a Uni :D!

 

why would britain not do the same instead of using nuclear weapons- then we'd all be in the dark (just like you) Hey Dick, dont shoot me i'm just the messenger, all i'm saying is that things/the world is changing , big time, all the old beliefs/values etc are going to change, thats all, ya should have picked that up from the Celente vids as well

alternatively , if the chinks did that- who would they sell all their tat to? - dunno, their own population? 1.4 Billion & counting

 

finally, by 2050 my lights will already be out!. Nite Nite !

 

1234

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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Nuke em

 

Are you a freeman on the land, or in lawful rebellion?

 

What approach are you using to deal with the courts?

 

I'm not really sure about the "not a person" approach. In theory, lawful rebellion sounds good, i.e. "I'm in lawful rebllion under article 61 so I don't have to obey you - get lost" but not quite sure how to put that into legal language.

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Nuke em, I think you're living in the wrong country.

 

America seems much more like the right arena for your theories as your links seem to originate over there. The last time anything like this succeeded Che Guevara lead the revolt for the free man. Although he died his ideals live on in Cuba, but its not my idea of utopia.

 

I love the idea of overturning the mega powerful elite's control over our daily lives, but it ain't gonna happen in our lifetime. I do appreciate your sense of humour though!

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Nuke em, I think you're living in the wrong country. Really?

 

America seems much more like the right arena for your theories as your links seem to originate over there. The last time anything like this succeeded Che Guevara lead the revolt for the free man. Although he died his ideals live on in Cuba, but its not my idea of utopia. The purpose of this thread was to show the lie that is "money" & that 97% of "Money" is created as debt, this is the same pretty much throughout the Western world, in fact anywhere where you have a Private for Profit Central Bank as we have and so do the yanks ! so its the same system. I'm not interested in Che or Cuba , however i would like our Treasury to issue money without debt (remember this is a debt forum , how did we all get here i wonder?) instead of the Private for Profit Bank of England .

 

I love the idea of overturning the mega powerful elite's control over our daily lives, but it ain't gonna happen in our lifetime. It will if we just say NO, collectively. we have the power ,its just that most dont know (yet) I do appreciate your sense of humour though! , thanks !

 

 

see all above

Edited by nuke em

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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Nuke em

 

Are you a freeman on the land, or in lawful rebellion?

 

What approach are you using to deal with the courts?

 

I'm not really sure about the "not a person" approach. In theory, lawful rebellion sounds good, i.e. "I'm in lawful rebllion under article 61 so I don't have to obey you - get lost" but not quite sure how to put that into legal language.

 

 

You can't deal with the Courts, they are not there to help you but to make a profit as they are ALL corporations!!!! ( all Ministry of Justice DBA whichever court etc) . i keep everything in the Private, I don't go near the Public (courts)

 

the Purple colour should tell you all !!!!! ( geddit)

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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This is not the first time this has been mooted on the Forum as I think some one else has already acknowledged [bookie?].

 

I remember reading an article on the web about ten years ago in relation to reclaiming on your loan or credit card from US financial institutions. I may be wrong but I expect the Laws are different there. In addition, as I recall, there was a clause in their contracts that stated some thing like where the funds had originated-can't remember anything like the exact wording. Something that is not present on our contracts.

 

Now if what they were preaching was true, one would have thought that after 10 years, if this worked, then most Americans would be using it to get out of their loan, mortgage etc etc. It is pretty obvious that this is not happening judging by the number of bank repossessions that have occurred in the USA over the past two years or so.

 

In addition, were it established that debts could be written off like that, why would finance houses continue lending money?

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In the US they can opt out of being charged for going overdrawn, they simply ask the bank not to pay anything that will take them overdrawn and hence they do not get charged any 'service fee' for deciding whether to pay an item or not as there is no decision to be made.

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Hello tifo!

 

In the US they can opt out of being charged for going overdrawn, they simply ask the bank not to pay anything that will take them overdrawn and hence they do not get charged any 'service fee' for deciding whether to pay an item or not as there is no decision to be made.
The UK banks hate to admit the same applies here.

 

There is no such thing as an Unauthorised Overdraft. Every penny in the red is always Authorised. That's because their systems have always been more than capable of enforcing a zero balance limit when ever they want to.

 

I know from experience they can do this when they want to.

 

Once this is understood and accepted, the true nature of the whole UK bank charges issue is revealed in all of its banking Fairy-Tale glory.

 

The true reality is that when granting any Overdraft, the banks will always set a true limit, and a pretend limit. For example, taking a £5,000 Overdraft as an example:

 

£0 to -£5,000 OD is the so-called Authorised Limit but, in reality, this is actually just a Pretend Limit.

 

-£10,000 is the True Limit, beyond which they will never go, that's if that is the True Limit they have set. It may be higher, but there will be a True Limit marked on their system.

 

The zone between the Pretend Limit and the True Limit is the Charging Zone, and that's where the banks want people to stray in order to harvest charges. They will bleat and moan and cry Crocodile Tears, blaming the beastly Consumers and Businesses for grabbing number-money to which they were not entitled...without ever mentioning the fact that the bank handed the opportunity to them on a plate in the first place.

 

Cheers,

BRW

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the word you're looking for is "Shadow limit" not pretend limit. I suspect there is an element of truth in there somewhere, but remember banks charge for not paying items too, so enforcing a xero balance regime wouldn't remove charges, you'd just get different charges from the bank and probably charges from whomever should have been paid too.

 

So it seems a case of pay the direct debit and go over the agreed limit and incur charges and interest; or don't pay beyond your limit and incur charges, interest and a second charge from your mortgage/loan provider, credit card company etc and have a liate payment note added to your credit file.

 

Heads they win - tails they win a bit more.......

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