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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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Any news from PT or UK26 yet???


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To me it looks like there isn't much that UK & PT can say about this case

 

However, in the future, because of the knowledge that they have gained, they may be able to advise people using that knowledge, to the advantage of the cagger (and the detriment of Lowells).

 

That's what you have to look forwards to.

Exactley!! spot on there with that comment 2grumpy:)

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Well done UK26 & PT. Despite it not being a complete victory, it is still a victory none the less!

 

As for donaitions, I have been off site for most of this it seems but I would gladly have donated and would not be expecting a refund.

 

I think what some people are forgetting is that this site is here to help OTHER people. By assisting with funding for this case, they have helped someone who was in need and have also "enhanced" the experience and knowledge of one of the Site Team who, from my experience, gives lots of good, solid and sound advice to as many people as he can. This in itself is good for CAG as a whole and shouldn't be shunned. I don't see PT, or UK26, disappearing any time soon.

 

AS for people screaming about not hearing anything, Part 36 offers are not something to be ignored as has already been said. Also, as PT was acting in a PROFESSIONAL capacity, there is counsel-client priveledge. BReach of this priveledge can have consequences for counsel that breach this.

 

Well done UK and PT.

 

I am also sorry for your loss UK, and you should be taking some you time.

 

Thanks,

H

 

 

I agree wth this post 110%

 

Well said.

 

Jogs

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Well, well, well..you do suprise ODC :rolleyes:

I know you hate Lowells more than anyone on here, but a reality wake up call on your part wouldnt go amiss mate ;)

 

Mr Ton I can assure you I am wide awake. It's just that I can see the bigger picture. On this occasion unlike most others we will have to agree to disagree

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Well done to UK26 and PT. It may not have been a complete victory but they have gained a lot of knowledge that can now be used to help other Caggers. We are all here to help each other. I have received a lot of help from this site and i have learned quite a lot. I am now spending my free time (what little i have of it) trying to help other users of this site.

 

My sincere condolences to UK26. I have lost close members of my family and my thoughts are with you. Have to time with your family and come back when you feel you are ready.

:cool::cool: Blondmusic :cool::cool:
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I feel it's now my duty to cheer people up a bit.....

 

 

LOWELL FINANCIAL LTD Holding Company Lowell Finance Ltd

Ultimate Holding Company LOWELL GROUP LTD

Trading Address ENTERPRISE HOUSE,1 APEX VIEW,LEEDS,LS11 9BH

12 out of 100 Very High Risk! - This company exhibits characteristics similar to companies who have generally failed although they tend to be less severe.

Credit Limit GBP 0Selling to this company? The Credit Limit is the recommended maximum outstanding debtor exposure at any one time.

 

 

Summary of CCJ's/Scottish Decrees

There are 4 exact unsatisfied CCJs totalling GBP 5508 in the last 72 months

Details of most recent CCJ's/Scottish Decrees

07/04/2009, a Judgment of "GBP" 100 was made in NORTHAMPTON court (Case No. 9QT34632 ) against Lowell Financial Ltd, Enterprise Ho, 1 Apex View, Leeds, West Yorkshire, LS11 9BH

06/04/2009, a Judgment of "GBP" 4858 was made in WOOLWICH court (Case No. 9WO00198 ) against Lowell Financial Ltd & jointly with Lowell Portfolio 1 Ltd, Enterprise Ho, 1 Apex View, Leeds, West Yorkshire, LS11 9BH

27/03/2009, a Judgment of "GBP" 500 was made in BOURNEMOUTH court (Case No. 9BH00754 ) against Lowell Financial Ltd, Po Box 172, Leeds, West Yorkshire, LS11 9WS

24/03/2009, a Judgment of "GBP" 50 was made in NORTHAMPTON court (Case No. 9QT26536 ) against Lowell Financial, Enterprise Ho, 1 Apex View, Leeds, West Yorkshire, LS11 9BH

 

Financial SummaryTurnoverTurnover increased by more than 104% in the period. Turnover totalled GBP 12,490,849,units for the period.

Operating LossTotalled GBP -2,675,070,units In the period prior a loss of GBP 2,851,984 was achieved. Pre Tax

The subject made a loss of GBP 3,960,061,units compared with a loss of GBP 3,730,370 in the previous period.

Working Capital The company's working capital deficiency increased in the period and now stands at GBP 16,016,915,units

Tangible Net WorthNet worth reduced by 3,960,061 during the period and now stands at GBP -14,564,690,units

Fixed Assets The subjects fixed assets reduced during the period by GBP 162,382 to GBP 1,452,225,units and are now 48% of total assets compared with 48% in the previous period

Long Term Liabilities Long term liabilities are now 0% of total assets compared with 0% in the previous period

 

Historic Update DetailsDateHistoric update detailsfrom March 200315 May 2009CCJ Event - 8658 -> 5508 (Value GBP unsatisfied)

15 May 2009CCJ Event - 5 -> 4 (No. unsatisfied)

14 May 2009CCJ Event - 5508 -> 8658 (Value GBP unsatisfied)

14 May 2009CCJ Event - 4 -> 5 (No. unsatisfied)

11 Apr 2009CCJ Event - 5408 -> 5508 (Value GBP unsatisfied)

11 Apr 2009CCJ Event - 3 -> 4 (No. unsatisfied)

10 Apr 2009CCJ Event - 2 -> 3 (No. unsatisfied)

10 Apr 2009CCJ Event - 550 -> 5408 (Value GBP unsatisfied)

10 Apr 2009Risk Score Changed - 52 -> 1210 Apr 2009Credit Limit Changed - 18800.00 -> 0.00

10 Apr 2009Internally Instigated Recalculation - 2 Apr 2009CCJ Event - 1 -> 2 (No. unsatisfied)

2 Apr 2009CCJ Event - 50 -> 550 (Value GBP unsatisfied)

2 Apr 2009Credit Limit Changed - 18900.00 -> 18800.0031 Mar 2009CCJ Event - 0 -> 1 (No. unsatisfied)

31 Mar 2009CCJ Event - 0 -> 50 (Value GBP unsatisfied)

7 Jun 2008New Accounts Analysed - 200708317 Jun 2008Credit Limit Changed - 15500.00 -> 18900.00

16 May 2008New Mortgage and Charge(s) - New mortgage added"

18 Apr 2008Director/Secretary Resigned -??????????(Removed) ON 03/04/2008 AS DIRECTOR

9 Nov 2007New Mortgage and Charge(s) - New mortgage added

9 Nov 2007New Mortgage and Charge(s) - New mortgage added

9 Nov 2007New Mortgage and Charge(s) - New mortgage added

9 Nov 2007New Mortgage and Charge(s) - New mortgage added

27 Jul 2007New Mortgage and Charge(s) -

18 Jul 2007Risk Score Changed - 37 -> 5218 Jul 2007Credit Limit Changed - 3300.00 -> 15500.00

18 Jul 2007New Accounts Analysed - 20060831

17 May 2007Risk Score Changed - 34 -> 3716 May 2007CCJ Event - 2 -> 0 (No. unsatisfied)

16 May 2007CCJ Event - 880 -> 0 (Value GBP unsatisfied)

9 May 2007CCJ Event - 2 -> 1 (No. unsatisfied)

9 May 2007CCJ Event - 880 -> 550 (Value GBP unsatisfied)

9 May 2007Risk Score Changed - 43 -> 34

9 May 2007Credit Limit Changed - 6600.00 -> 3300.00

9 Apr 2007Risk Score Changed - 39 -> 43

9 Apr 2007Credit Limit Changed - 3300.00 -> 6600.00

24 Mar 2007CCJ Event - 00001 -> 00002 (No. unsatisfied)

24 Mar 2007CCJ Event - 550 -> 880 (Value GBP unsatisfied)

 

 

Suffice to say they have a less than perfect record and are undoubtedly getting rich at everyone elses's expense.

 

Mods, if you are unhappy with this information being divulged here, feel free to edit or delete this post.

 

Most, if not all of this information is already in the public domain.

:D:lol::D:lol::D:lol: The Leeds Losers

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[Delay in Response]

 

over the last few weeks a Family member has been very ill in hospital, today he passed away.

 

I would like to say thank you to all thoses who helped with the case and the continued supported offered, without you guys i would have been lost

 

Sorry to hear that mate. I hope the cynics are satisfied:mad:

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Mr Ton I can assure you I am wide awake. It's just that I can see the bigger picture. On this occasion unlike most others we will have to agree to disagree

 

Wel im glad to hear that ODC :)

You of all people should know the significance of being weary when it comes to giving money to people off the internet.

Great if this is all genuine & well done to all involved etc....

But its still my duty to warn otherwise just incase.;)

We all have a blind hatred of DCA's & thats what concerns me about all of this....

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Well done guys - keep up the good work :)

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Sorry to hear that mate. I hope the cynics are satisfied:mad:

 

So just because someone says they've lost someone (of which deepest heartfelt sympathies if so), but nevertheless..that makes someone of a cynical persuasion about all of this any less significant in what they warn about does it? :mad:

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Dave, go and get away from all this for a while and be with your family. The filleting can wait until another day - some things in life are a bit more important. Best wishes.

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Mr Ton

 

I don't understand why you are going on and on for.

 

I posted a breif outcome of the case, and a statement about the donations.

 

What is it you want?

 

So just because someone says they've lost someone (of which deepest heartfelt sympathies if so), but nevertheless..that makes someone of a cynical persuasion about all of this any less significant in what they warn about does it? :mad:
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So just because someone says they've lost someone (of which deepest heartfelt sympathies if so), but nevertheless..that makes someone of a cynical persuasion about all of this any less significant in what they warn about does it? :mad:

 

Mr Ton

 

I,ve made my point on this thread. I wasn't happy, and said so, but I counselled everyone to hold fire until UK responded.

 

Now he has, and he has had a family bereavement. You have to take that at face value from a long standing member of this community.

 

I respect you for your forthrightness, on this occasion, I think you need to rein in your neck a little.

 

In a moment you'll be asking to see a death certificate.

 

He has lost a relative, or he is mentally unwell for posting such a thing without foundation.

 

Cut him some slack for God's sake.

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Mr Ton

 

I don't understand why you are going on and on for.

 

I posted a breif outcome of the case, and a statement about the donations.

 

What is it you want?

 

Goin on & on? - errrr excuse me :rolleyes:

Like ive said - credit & well done to you if all of this is genuine & you have done all of this etc.......

But i stand by every bit of my wording of caution to everyone about any senario (not just this example) when it comes to being asked to part with money.

If you or anyone else doesnt like me for that then tough - i would/will do the same again :)

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Maybe we should close this thread for a while... I see nothing to be gained for the forseeable future while Dave deals with his loss. I think a bit of respect is due, both on a personal level, and for the enormous personal risks he's taken very much with the benefit of CAG and its members in mind.

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Mr Ton

 

I,ve made my point on this thread. I wasn't happy, and said so, but I counselled everyone to hold fire until UK responded.

 

Now he has, and he has had a family bereavement. You have to take that at face value from a long standing member of this community.

 

I respect you for your forthrightness, on this occasion, I think you need to rein in your neck a little.

 

In a moment you'll be asking to see a death certificate.

 

He has lost a relative, or he is mentally unwell for posting such a thing without foundation.

 

Cut him some slack for God's sake.

 

Wooooooooo hold on a mo.:mad:

This has got nothing to do with the death of a relative & like ive said..my deepest sympathies on that issue.

So dont dare or anyone else dare to combine the 2 issues :mad:

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Wooooooooo hold on a mo.:mad:

This has got nothing to do with the death of a relative & like ive said..my deepest sympathies on that issue.

So dont dare or anyone else dare to combine the 2 issues :mad:

 

Then you should be careful what you write, and make sure that what you say is what you mean.

 

What follows are your words. and they were what so incensed me:

 

"So just because someone says they've lost someone (of which deepest heartfelt sympathies if so)"

 

IF SO?

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Maybe we should close this thread for a while... I see nothing to be gained for the forseeable future while Dave deals with his loss. I think a bit of respect is due, both on a personal level, and for the enormous personal risks he's taken very much with the benefit of CAG and its members in mind.

i agree here, i am closing the thread as requested

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