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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. 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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Can I stop a door step collection


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Hi,

I hope someone can please help me & I appologise if this is in the wrong thread, sorry.

 

My wife has received a letter today from Provident personal credit. The letter is asking for £532.50 & says it offers a "fresh start", although originally the loan was with a company called Greenwood personal credit, this letter is from Provident.

The letter states that a "friendly local agent" will come to our home in the next few days. Obviously we are worried about what will happen. The loan was originally taken out about 7 or 8 years ago and to be honest we had forgot about it as we have heard nothing from them until now.

 

The loan had extreemly high APR but at the time we where desperate to find money to live on due to my business going bust & we had nothing at all to live on, I was declared bankrupt a few weeks later.

 

My question is .....

Is there a law that I can quote to the collector, or letter template that I can hand to the collector when he / she comes to our home as I am desperate for them to leave us alone ?.

 

If we are out and our 16 year old daughter is at home when they call, can she simpley hand a typed letter to the collector and basically say "sorry but I'm closing the door" ?.

 

I would rather write, fax or e mail a letter too them but there isn't an address on the letter for me to write too.

 

Our life is a struggle as it is. I am disabled with Multiple Sclerosis & Bi Polar disorder and my wife in poor health. She has recently come out of hospital after having surgery and has to endure more surgery at the begining of November. I would rather Provident take my wife to County Court so she can be treated fairly. We do not have enough money to declare her bankrupt.

 

Thanks,

 

Matt

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when was the last time you acknowledged the debt by a payment or in writing

 

Hi, thank you for reading my letter. As far as I am aware we have never spoken or agreed to anything with them. It appears that after reading the letter again that the debt has been sold to a different company.

 

The opening line of the letter that my wife received says ....

 

On 12th Oct 2009 BCW Group appointed Provident Personel Credit to collect your outstanding Greenwood Personel credit debt. A friendly local agent will call to your home to discuss repayment options with you.

 

We could help you pay less

 

We understand that there may be many reasons why you have been unable to make repayments with BCW Group in the past and if you cannot pay the full amount now, we may be able to help.

 

The Blue writing above is an exact copy of the wording in the letter that we have received.

 

The letter then goes on about how regular payments will improve her credit score & that a future Provident loan should be available in the future, not that we ever intend to get involved with this company for a loan.

 

Look forward to any advise that you may be able to offer.

 

Thanks

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have a read and send them this

 

looking at other threads, it seems providant are getting into the dca business

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

 

 

Thank you. I'll copy the contents of the template letter but unfortunatly there are no contact details for written correspondence other than a phone number. I'm worried that if we phone them we will be talked into payment promises that we cannot afford.

 

I really do appreciate you taking the time to help me.

Thank you.

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this is difficult to understand but i'll guess..

you have a loan running with greenwood, but have fallen on hard times and now provident want to take on paying that loan off for a new loan with them?

 

if this is so they are acting illegally, they should NEVER suggest paying of credit with more credit, report them to the FOS/FSA.

 

if this is a debt/loan you know nothing about then ignore them.

 

is my guess correct??

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Greenwood Personal Credit is part of the Provident Financial group of companies.

 

ya know what, i was thinking that. seem to remember that name from my past 15yrs ago.

 

nice way of acting then. hey you cant pay this loan, but we'll give you another oh ! thats 2500% int too!! int compound on int!

 

hope my guess is wrong though.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ya know what, i was thinking that. seem to remember that name from my past 15yrs ago.

 

nice way of acting then. hey you cant pay this loan, but we'll give you another oh ! thats 2500% int too!! int compound on int!

 

hope my guess is wrong though.

 

dx

 

20+ years ago for me ;)

 

Your guess is far from wrong I'm afraid, A loan is what will be offered.

Hopefully one day all dca's will be history

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The number is 0800 916 6346 it says call and quote "fresh start"

 

can we confirm you have an outstanding loan going?

or is this the first you have heard of this 'debt'?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ya know what, i was thinking that. seem to remember that name from my past 15yrs ago.

 

nice way of acting then. hey you cant pay this loan, but we'll give you another oh ! thats 2500% int too!! int compound on int!

 

hope my guess is wrong though.

 

dx

 

As daft as it sounds, the letter does say that if a proven payment plan is adhered too that we (Provident) may be able to consider us for future credit. At their interest rates they can clear off. The loan was taken out we think in 2001 and at a time in our lives when nothing seemed to be going right. From memory, we have not paid anything since 2002.

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can we confirm you have an outstanding loan going?

or is this the first you have heard of this 'debt'?

 

dx

 

It was a loan that was taken out in about 2001 or early 2002 but we quickly fell behind with payments and we both think that nothing has been paid or aggreed for about 7 years.

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well send the statute barred letter by recorded delievery

 

print some off and if any body does knock on your door

 

ram it under there nose

 

 

Thanks. Unfortunatly no address is shown anywhere on the letter, only a phone number which I'm going to ignore. I'll print off the Statute Barred letter and address it too Provident Personal Care. I'll ensure the "freindly" door step collector gets a copy.

 

As you all know, Provident must have the legally highest interest charge in Britain. I've just noticed the logo on their letter says....

Credit Today awards 09 5 star winner. Home credit provider of the year...

I presume this must be a competition that is run by their own group of companies.

 

Thanks again for all of your help.

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actually i wonder if this is a crafty way of getting new business?

they have looked in their old Co. records and have seen you had a loan......

tough its statute barred though.....

 

i wonder if they are rgistered as a dca now too..can anyone look 'em up?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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