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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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.

      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
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Gizmo111 V Citicards**PAID AFTER BALIFFS VISIT**


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You can claim for contractual interest, though the majority of us have claimed for 8%.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Steve, can i claim my interest from them and then the 8% on top afterwards?

 

Shovey you either claim contractual interest or s69. What have you actually asked for in your prelim and LBA?

I seem to recall you started your own thread - it would be easier if you posted on there so we can keep up with your story in one place.

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 1 month later...

Hey Gizmo111,

 

Just wanted to wish you luck !!!

I am currently also taking citi to court. Handed in my small claim on 25/01/07

 

Hondamad,

__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

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Hey Gizmo111,

 

Just wanted to wish you luck !!!

I am currently also taking citi to court. Handed in my small claim on 25/01/07

 

Hondamad,

 

Thanks Honda,

 

Court hearing is 22/02.:)

Consumer Health Forums - where you can discuss any health or relationship matters.

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Gonna be there for moral support, and driving duties if need be.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks Honda,

 

Court hearing is 22/02.:)

 

 

Wonder if Brian will come to you, me or EmpireStrikesBack on the 22nd??!! Busy day for Citicards if they still don't want to settle beforehand!

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Wonder if Brian will come to you, me or EmpireStrikesBack on the 22nd??!! Busy day for Citicards if they still don't want to settle beforehand!

 

Be an interesting day - have to share phone no's beforehand.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Good luck on 22nd Gizmo.....I'll be keeping an eye on this one:D

Citi Cards

- S.A.R sent 29/01/07

- Statements received 08/03/07

- First Request sent 12/03/07

- LBA Sent 21/3/07

 

Bank of Scotland

- S.A.R. sent 27/02/07

- Request for Payment sent 14/05/2007

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Hi there, im fairly new to all this but i am currently taking HSBC to court for around £1500 but i am very wary of doing the same with Citi cards as i have read that they are actually contesting the claims?! i have sent the usual 2 letters before court action asking/demanding they pay me the £763 that they have charged me (including 8% interest). I have recieved a letter from a Mark Clibbens saying that "it may take between three and six weeks as they (statements) are retrieved from our archives" blah,blah and that he will confirm in writing the outcome, so what i want to know is do i to to moneyclaim online? Please,please can you/anyone help or advise me? Many thanks-Craig

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Yes it's definately worth continuing your claim against Citi Cards.

 

There current policy once you begin a claim against them is normally to refund the difference between higher charges and £12.

 

Of course if you nolonger have an account with them, you can refuse to accept the cheque. My personal believe is that the refunds are being made to make Citi look reasonable in the eyes of the court, and not necessarily for your benefit.

 

They are contesting all claims at present, however I would urge you to follow through the entire process. AS IT'S CITI WHO HAVE BEEN COMMITTING UNLAWFUL ACTS AND NOT YOU!!!!!!!

 

Court might seem a daunting prospect but the small claims court is in an informal setting, and as long as you prepare thorough enough you should have no problems in attending. There are lots of people here with the knowledge here to help you.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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My claim against citi had £900 debt which was all charges (and more) and they refunded the difference between charge and £12 and sent it to Cabot (dca) as they had sold the debt. Couldn't fathom that one out..

 

Hi ANdrew and what did you do after that - did you persue the balance - is this still ongoing?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi Andrew,

 

Also, if they have (I'd check with the DCA) I'd still persue the full amount from City as they have no right for "set off" as citi do not own the dca therefore can't transfer funds from one account to another.

 

Check with the FSA website or google "Set Off" for more info.

 

 

Cheers

 

 

Pj41

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  • 3 weeks later...
Good luck on Thursday, Gizmo.

 

Watching closely!:)

 

Elsinore

 

I'll let you know outcome Thurs night - If I am too drunk on champagne thne Enron who is kindly supporting me in court will let you know.;)

Consumer Health Forums - where you can discuss any health or relationship matters.

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I'll likely be back in the afternoon and will let people know what happens.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Good luck Gizmo.....fingers crossed for you!!

Citi Cards

- S.A.R sent 29/01/07

- Statements received 08/03/07

- First Request sent 12/03/07

- LBA Sent 21/3/07

 

Bank of Scotland

- S.A.R. sent 27/02/07

- Request for Payment sent 14/05/2007

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Just got back and must admit it was a very interesting process.

 

The judge has orderred full disclosure. A fact that Citi will be aware of through their solicitor.

 

Aside from that Gizmo1111 will update you later on once she has finished work this afternoon.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Probably stupid question but what does Full Disclosure mean?

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Basically means exactly as it says.

The Judge has ordered Citi to disclose full details of their charging regime and that means their actual costs.

 

Come on Giz...where are you ??????:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Martin!

 

Do you think this have any effect on my court date against them in 13 days?

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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