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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 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
    • 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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Allan's V Preffered


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S.A.R Sent 31/07/06

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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The Post Office must be making a fortune. We might help in keeping some of them open!!!!

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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  • 1 month later...

not yet.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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yer they will be getting a nice phone call from me in the morning :)

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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can someone please help me here:sad:.

I have received my S.A.R - (Subject Access Request) back and caculate as follows.

unpaid direct debit fee £30 x 4 = £120

Arrears fee £45 x 7 = £315

Deeds fee £40 x 1 = £40

ERC = £488.70

Total so far of £963.17

 

Thing is i have more charges for things on this statement and was wondering what i could claim for.

 

 

Redemtion statement fee £15 x 6 = £90

Statement fee £25 x 1 = £25

Final reminder default notice fee £25 x 1 = £25

Higher lending charge £528

Completion fee £495

1st solicitors letter £25

solicitors fees £481.23

solicitors fees again £229.78

Redemtion admin fee £210

 

can i claim for any of these, please help.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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I think from previous threads that it is not advised to include Deeds Fee. The other fees quoted I will have to leave to others to advise

Mortgage Trust Services - S.A.R - (Subject Access Request) sent 07/09

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ok thanks bushy

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Its amazing what Zoot keeps coming up with, in "new alliance thread" just found:

 

Re: new alliance thread

No worries Kia,

 

In fact today I had a pm regarding a mortgage company that had offered to pay back a deed dispatch fee of 50.00 so it might be worth chasing the sealing fee after all.

 

All the best

 

Zoot

Mortgage Trust Services - S.A.R - (Subject Access Request) sent 07/09

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letter sent, lets see what happens now

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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  • 2 weeks later...

OK Update, standard letter from prelim LBA sent 26/09/2006 next step court action....:)

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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  • 2 weeks later...

yup LBA sent and got a nice letter telling me as i no longer wish to comply with their complaints procedure, they would close down my complaint. i sent this in reply :-)

 

I can confirm receipt of the letter dated 4th Oct 2006 where you state your position with regards my so called complaint in respect of your unlawful charges, I am frankly at a lose as how such a large and respected company as Preferred could get this so wrong.

 

1./ My 1st letter to you was not a Complaint, but a request.

2./ My 2nd letter to you was simply to inform you of my intention to commence legal action against Preferred with regards to refunding the unlawful charges applied to my account in the time it was held by preferred.

 

With respect to Consumers credit Act 1974 & Unfair Terms in Consumer Contract Regulations, these Both apply to you in this case and I would strongly suggest you have your legal dept have a look at them.

 

The Data Protection Act section of my second letter to you simply refers to my recovering the cost of the Subject Access Request fee of £10 which I intend to include on my claim.

 

In the interest of goodwill I will extend my deadline for a favourable outcome in this matter and hope the offer of an out of court settlement of £2,300.00 will be seriously considered.

 

I expect a full reply to this letter and a response to my offer within 7 working days, after this point I will Serve my claim on preferred and let the courts decide. I will attached another copy of my schedule of charges with this as I have done in my previous 2 letters.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Got a reply to this today lol, reads as follows.

 

Thank you for your letter Dated 5th Oct.

 

I can advise you that we will not be refunding you the charges as per your origonal request of 15th Sept.

 

As previously advised, we will not be taking this matter any further via our internal complaints procedure.

 

Signed Miss R Daimond.

 

 

what you all reckon, off to court i guess.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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well paul you have given them the chance to explain their charges and they havent so yes court my friend i would say is the appropriate option left to you im not that far behind you 12 days to i file my papers !

if my advice has been of any help to you then please click the scales ! Thank you :D

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  • 2 weeks later...

yer they have said they are paying nothing and will close my (complaint) lol

 

i need to now raise action in an english court that will persue this on my behalf, so gonna take a wee bit more time i guess.

 

remember im in scotland

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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hi ho, hi ho, it's off to court we go.....

Barclays Bank

13/9/06 - ACCEPTED HALF ON BOTH A/Cs

HSBC

21/10/06 - SETTLED IN FULL

Preferred Mortgages

11/8/06 - prelim let sent - redemption fee

12/07 - case dropped

Halifax B/S

2/07 settled in full

Halifax visa card

MCOL due

Citicards & Hillesden

2/07 Data Protection Act & CCA let sent

3/07 Prelim let sent

4/07 LBA sent

Barclaycard

04/07 offer received for 1/3 - refused

Argos Card services

Half offered - refused

PPI Claims:

8/12 MBNA Loan settled in full

7/12 Barclayloan settled in full

9/12 Liverpool Victoria settled in full

7/12 Barclaycard claim rejected

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  • 3 weeks later...

I need some help here guys, it seems to file a MCOL i need to have an address in england which will act as my service of papers address, i have email about 15 lawyers regarding acting as my service of papers address none of which said yes, had loads of oh we don't do civil and stuff like that. can anyone stear me in the right direction here or is a anyone a lawyer in england that would act for me. any help would be greatly appreciaited as i am keen to get a claim filed.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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paul lickthewallfatboy used his friends english address it doesnt have to be a lawyer any address will do maybe some of our fellow forum members would let you use their address !

if my advice has been of any help to you then please click the scales ! Thank you :D

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great news paddy thanx, anyone wishing to offer their address for me could PM me, would be great.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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Ho, no! what a nightmare for you. I will make some enquiries and get back to you

Barclays Bank

13/9/06 - ACCEPTED HALF ON BOTH A/Cs

HSBC

21/10/06 - SETTLED IN FULL

Preferred Mortgages

11/8/06 - prelim let sent - redemption fee

12/07 - case dropped

Halifax B/S

2/07 settled in full

Halifax visa card

MCOL due

Citicards & Hillesden

2/07 Data Protection Act & CCA let sent

3/07 Prelim let sent

4/07 LBA sent

Barclaycard

04/07 offer received for 1/3 - refused

Argos Card services

Half offered - refused

PPI Claims:

8/12 MBNA Loan settled in full

7/12 Barclayloan settled in full

9/12 Liverpool Victoria settled in full

7/12 Barclaycard claim rejected

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thanks paul, got it, and email reply sent. doing my MCOL now. tough to get it all in with only 1080 allowed. any tips ? or templates

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

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