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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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Go Debt - help needed


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Hi postggi

 

I'm tugmistress's other half. Thanks for all the help you've given her on this just wish I'd found you earlier. Had a read through the links you put up and I was wondering although I have paid them as from what I've read it was for an unforceable/missold agreement could I claim this money back or is it too late now.

 

Thanks again

 

Stuart

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my own opinion would be to leave well alone on that score

at the end of the day you did have use of the finance agreement and a court may well not be to pleased if you go down that road.

its called unjust enrichment

 

just be satisfied you are getteing rid of a mile stone around your neck and put it down to life lessons.

 

i dont blame you for wanting to get your money back as from the beggining they were conning you.

 

keep me informed

regards

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OK letter received this morning from Go Debt --

 

Dear Mrs XXXX

ref direct auto financial services ltd - £1281.28

Thank you for your letter of 12th August 2009.

We do not agree with your view and believe your account is enforceable.

Yours Sincerely

Carwin Humphries

 

 

....................................

 

What's next please?

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Not Unexpected

 

Thats Just A Template Reply

 

You Need Now To Write Again By Recorded Delievery

 

Ask Them To Clarify Why They Consider The Account Enforceable

AND TO COUNTER THE POINTS RAISED IN LAW

 

Remind Them Until They Comply The Account Is Still In Dispute

 

Request A Reply With In 14 Days Or You Will Be Handing The File Over To Stephensons Solicitors To Act On Your Behalf

 

No Panic

This Is Normal

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YOUR ADDRESS

GO DEBT

ADDRESS

 

 

ACC NO

OR REF NO

 

 

DATE

 

 

DEAR SIR/MADAM

 

 

THANKYOU FOR YOUR LETTER DATED XYZ FOR WHICH THE CONTENTS HAVE BEEN NOTED.

 

 

I SENT YOU A LETTER ON THE XYZ WITH REFERENCE TO A YES CAR CREDIT AGREEMENT FOR WHICH THE CONTENTS ARE BELOW

 

 

 

 

 

 

after Having An Audit Of My Agreement , I Have Been Informed The Agreement Can Not Be Enforced

 

any Deposit Or Trade In Has Been Used For The Ppi Insurance, Not For The Purpose Intended.

as A Result The Agreement Is Unenforceable

 

if You Maintain The Agreement Can Be Enforced, I Will Have No Alternative To Turn The Matter Over To A Firm Of Solicitors Called Stevensons.

 

as You Have Had Prior Dealings With These Solicitors, Costs Now Become An Issue

 

i Expect Your Reply With In 14 Days

 

 

 

 

 

YOUR REPLY TO THIS ON THE XYZ WAS AS FOLLOWS

 

 

 

 

 

 

Dear Mrs XXXX

ref direct auto financial services ltd - £1281.28

Thank you for your letter of 12th August 2009.

We do not agree with your view and believe your account is enforceable.

Yours Sincerely

Carwin Humphries

 

 

 

 

 

 

AS STATED, UNLESS THE ACCOUNT IS TERMINATED, I WILL HAVE NO ALLTERNATIVE BUT TO TURN THIS MATTER OVER TO STEVENSONS SOLICITORS TO ACT ON MY BEHALF.

 

 

IT IS MY BELIEF THAT GODEBT ALONG WITH ANOTHER DEBT COLLECTING AGENCY PURCHESSED NO ENFORCEABLE AGREEMENT THAT HAVE BEEN PUT BEFORE THE

 

 

 

 

 

 

 

 

COURTS TO DEEM THEM UNENFORCEABLE.

 

 

COSTS WILL BECOME A MAJOR FACTOR IN THIS AND I REQUEST YOU CONSIDER YOUR POSITION BEFORE I INSTRUCT STEVENSONS.

 

 

IT WILL BE ALSO MY INTENTION TO MAKE A COMPLAINT TO THE FINANCIAL OMBUDSMAN OVER THIS MATTER. AS YOU ARE AWARE I NEED YOUR REPLY TO MY COMPLAINT BEFORE I CAN ESCALATE IT TO THE FINANCIAL OMBUDSMAN.

 

 

I HAVE INFORMED YOUR COMPANY THAT THE AGREEMENT IS UNENCORCEABLE DUE TO THE FACT ANY DEPOSIT OR TRADE IT HAS BEEN ADDED TO THE INSURANCE PRODUCTS AND NOT FOR THE PURPOSE INTENDED, THE VEHICLE.

THIS HAS PREJUDICED MYSELF IN REGARDS TO THE TERM OF THE LOAN AND THE TOTAL AMMOUNT REPAYABLE DUE TO THE INCREASED INTEREST PAYMENTS.

 

 

I REQUIRE AN EXPLANATION WITH STATUTE LAW LEGISLATION TO COUNTER THIS DEFENCE BEFORE THIS MATTER IS ESCALATED TO THE FINANCIAL OMBUDSMAN OR CIVIL ACTION.

THIS REPLY WILL ALSO BE USED IN ANY LEGAL ACTION INSTRUCTED BY YOUR COMPANY IN THIS MATTER.

 

 

UNTIL GODEBT OFFER COMPLIANCE IN THIS MATTER OR BY WAY OF A FINAL RESPONSE, THIS ACCOUNT REMAINS IN OFFICIAL DISPUTE AND I EXPECT NO ENFORCEMENT ACTION TO BE TAKEN EITHER BY CORRESPONDANTS OR THROUGH THE COURTS

 

 

 

 

 

 

 

 

 

 

 

 

FEEL FREE TO ADD OR DELEATE

 

YOU GET THE IDEA

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just a quick update, got a phone call yesterday from that carwin humphries guy, he started wittering on about the account on hold, i just butted in and said i had sent another letter recorded to him and he asked when, i said last week and he said he hadn't received it yet and said something it had better arrive tomorrow ? then i put the phone down.

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I Take It That Humphries Gut Was From DODEBT/ Cretin

As Far As You Are Concerned The Account Is On Hold And In Dispute And As You Sent The Letter By Recorded Delievery, They Can Sod Off

 

Its Nice Knowing The Boot Is On The Other Foot And Well Done For Standing Your GrounD

This Chap Knows Exactly What The Situation Is

 

Its All Over Bar The Shouting

 

They Have To Try, Dont They,

But You Know Better

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