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

help with bank charges needed please


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

Thread Locked

because no one has posted on it for the last 5434 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

What bank is it with? How long do the charges go back and what sort of account is it?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi,

 

Which Bank is it.

 

(oops, sorry, emma, getting slow in my old age) :oops:

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Do you think you would qualify under the hardship criteria, so could ask the bank to look at this before the stay is lifted- on benefits, disables, behind with mortgage/utility bills/other debts?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi Lloyds and its 6 years have gone back, its a classic account

Furthermore you can go back further under the FSA Waiver which is to 27th July 2001 so you might have missed a few charges ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

All this is just confuing me more. I just want to know if i can now ask the bank for just under £5000 so i can then take it to small claims, or can't i change my original amount.

Also what letter do i send next, dont fancy taking the hardship way, my husband is self employed and working but not much compared to what he had had in past.

I have phoned bank to ask to waiver the charges being incurred cos of us not earning as much but they said to cancel my direct debits so i dont get charged for the charges.

Well i still have to pay the bills even so, what should i do?

Link to post
Share on other sites

All this is just confuing me more. I just want to know if i can now ask the bank for just under £5000 so i can then take it to small claims, or can't i change my original amount.

Also what letter do i send next, dont fancy taking the hardship way, my husband is self employed and working but not much compared to what he had had in past.

I have phoned bank to ask to waiver the charges being incurred cos of us not earning as much but they said to cancel my direct debits so i dont get charged for the charges.

Well i still have to pay the bills even so, what should i do?

Small claims court maximum is more than £5000.00 but the reason it is sometimes advised to claim up to that value at court is about costs being awarded against you. In all likelihood your case will be stayed pending the conclusion of the OFT test case issues.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Thank you for the information, what do you think i should do next step, what should i put in my next letter? Sorry to keep asking but i'm totally new to this and its quite frightening for me:confused:

Link to post
Share on other sites

I have wrote and asked for info on the 2nd letter i should send. Also it is more than the £5000 over the last 6 years, which means i could end up paying lloyds court charges if i lose. Could i reduce the amount i asked for to bring it below £5000.

Can anyone tell me what to do next, just had letter form lloyds saying that they will do nothing as until the test case is heard and they are not at fault anyway. Because my charges are so high i reckon they will go all the way with taking me to court and already i wish i had never started this. Shall i just give in cos i feel terrified by it all. Aint got a clue of my rights.

Link to post
Share on other sites

Hi, senferlaka.

 

Don't give up, thats exactly what they want you to do, why not claim the earlier charges and keep the amount just under the £5,000. Then once you've got, that claim again for the remainder.

 

The next letter you should send is your Letter Before Action.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/112-letter-before-action-bank-charges.html

 

Just remember it's your money, and they will give you it back.

 

I'll move this thread to the Lloyds Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

thank you maroon for yr info, but just read on another helpful site that once i get letter from bank to say they received my complaint and its on standby because waiting for the ruling, i should leave it and do nohing until the decision is made, is that right?

Plus about the LBA letter which you say i need to send next, (when i click on it, it says i have to buy the kit for £10.99, is that right?Can't find a template)

Link to post
Share on other sites

  • 4 weeks later...

i've now gone into financial hardship, and sent letter to lloyds to ask them to look at my case now rather than later, but to be honest i'm not expecting it to be easy, will let you know outcome when i get one

Link to post
Share on other sites

i've now gone into financial hardship, and sent letter to lloyds to ask them to look at my case now rather than later, but to be honest i'm not expecting it to be easy, will let you know outcome when i get one

Keep us updated and shout if you need a hand.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Received letter back saying 'they are sorry if i have cause for complaint and will look at my case to see if there is anyway they can help me.' I know its probably a way to prolong them helping and i am expecting nothing back. I have heard LLoyds are the worst to help, so i am moving my direct debits to another bank.

Why don't they just own up and payout, sorted!

Link to post
Share on other sites

Received letter back saying 'they are sorry if i have cause for complaint and will look at my case to see if there is anyway they can help me.' I know its probably a way to prolong them helping and i am expecting nothing back. I have heard LLoyds are the worst to help, so i am moving my direct debits to another bank.

Why don't they just own up and payout, sorted!

 

Hi Senferlaka,

 

Re: your quote above - probably because they are the biggest bunch of ****holes going!

 

We asked them to consider our case for refund of charges on the grounds of hardship and they chose not to, instead trying to get us to pay a reduced amount each month to reduce our overdraft (which is about half the size of the charges claim).

 

They refused to admit we were in financial difficulties, yet they have now sent me a letter stating their intention to move both our joint account and my loan account to Consumer Debt Recovery - which they say has been specifically set up to help customers with long term financial difficulties. If that's not an admission of our problem by them, I don't know what is:eek:

 

Good luck with your case - with Lloyds you're definitely going to need it!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

hi landy

Yes, they v already started to reduce overdraft by decreasing it £50 a month. They think they are doing me a favour. So i guess the next stage is what they v done with you, true, they are the greatest ****holes on this earth

Link to post
Share on other sites

Well still waiting to hear from lloyds. It seems they close yr account and then send overdraft owing to debt recovery, so how can that be helping out under the hardship rule? I watched on gmtv last wk that an advisor said carry on claiming because under the hardship rule they can't put you in the queue until the high court ruling in july. Dont understand how its any different to just waiting in the 'queue'

Link to post
Share on other sites

  • 2 weeks later...

received 2nd letter, they are gettin stroppy now. They say they are not in the wrong and i have to wait until the ruling, and they will still charge me the usual charges as i agreed this when i took out the account. I thought if i was in financial hardship they should take a different approach? If anything, they have got worse! What step should i take now? Getting really worried and stressed out again

Link to post
Share on other sites

I have wrote and asked for info on the 2nd letter i should send. Also it is more than the £5000 over the last 6 years, which means i could end up paying lloyds court charges if i lose. Could i reduce the amount i asked for to bring it below £5000.

Can anyone tell me what to do next, just had letter form lloyds saying that they will do nothing as until the test case is heard and they are not at fault anyway. Because my charges are so high i reckon they will go all the way with taking me to court and already i wish i had never started this. Shall i just give in cos i feel terrified by it all. Aint got a clue of my rights.

 

 

Hi there...

Just some advice...don't give up on these muppets !!

I have two accounts one in credit the other £600 O/D all charges..phoned them a couple of times , sent two letters requesting all charges back,sent a LBA letter end of April and still got the standard blah blah..will take us up to 8 weeks letter..been like this for two months now

Filed a claim online today and will get the documents sent to them a.s.a.p.

Keep all your documentation,even if it does go to court I plan to show the judge all there paperwork refusing to help.

Judging by peoples comments on here I think Lloyds would crumble first rather than face court action..

Take the fight to them , don't let them decide the actions..

Link to post
Share on other sites

I sent a letter back stating that i plan to take them to the Ombudsman if no reply within 7 days, reason being that i do not think they have looked at my case under the hardship rules. Well the 7 days are up today and had nothing back. Whats my next step?

Link to post
Share on other sites

Hi,

 

If you consider yourself to have a good case, then you can take your claim to the Financial Ombudsman Service.

 

They are currently finding in favour of claimants to the region of 84% of claims.

 

You will need to send them copies of all letters, evidence, and responses from the bank.

 

 

They do have a bit of a backlog but you should have a resolution within 90 days maximum.

 

Here's their site........

 

our complaints procedure and how to complain

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...