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    • 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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    • 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.    
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Welcome Finance Unenforceable Loan ??


dantripled
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Hi,

 

I am new to this site, but after reading many of the threads on here, I feel sure somebody may be able to help/advise me.

 

I took a secured loan out with Welcome Finance in 2005 for around £11800, this was a re-write. I have paid in almost £5000, however I have missed several payments over the years and have accrued many charges. My account was recently taken over by a new account manager, who decided to tell me for the first time ever that my contractual monthly payment wasn't even covering the interest being applied!!!!!! My £11800 loan now stands at around £16000. I immediatly agreed to up my payments to cover interest and a little bit more but was very shocked no-one in Welcome had ever told me this before, I questioned this and was told that interest had only accrued since Oct 2008 due to missing a payment, so for almost a year, I have had £2/£3 added to my account each month, instead of anything coming off!!!.

 

I paid a £10 fee back in July, to which i have proof of (bank smt) and requested that they send me my CCA. I received a computer print out, with all figures on, but no dates, names or signatures.

 

I never did anything with this until 2 weeks ago when i asked my new account manager to send me the correct CCA through, which i had paid for. He phoned back to say they couln't find it. He then basically said if i go for unenforceable loan, they will take me to court for the original loan, which this one wrote off.

 

I have a meeting arranged this week with new account manager to discuss this further and would appreciate any advice beforehand. I have been advised to hold all future payments as this loan may not stand etc....

 

First of all:-

a) should i stop paying now???

b) should i even go to meeting this week???

c) what do i say when they phone chasing payment???

d) if they can't produce my CCA, and the loan is uneforceable, what would happen to previous monies paid in???

 

I would really appreciate any help on offer, thanks guys:)

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Welcome Dantripled

 

What Ever You Do, Follow This Advice

 

Welcome Only Want You To Go Into The Branch To Get You To Sign A New Agreement

 

Tell Them To Bog Off If They Do

 

Do You Have The Original Loan Agreement And If So Post It Onto Your Thread

 

Google Photo Bucket

 

GO TO THE MEETING TO FIND OUT WHAT WELCOME ARE UP TO

 

THATS ALL

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I have the original agreement in my possession (blue carbon copy). This i believe is unenforceable as it doesn't have CONSUMER CREDIT ACT 1974 on there as a header, it is also unsigned and undated for and on behalf of Welcome Finance.

 

I truly believe they know this is unenforceable and have "lost" it on purpose maybe???

 

Either way, if they do happen to locate it, do i have a leg to stand on??? If they don't locate it, i am laughing anyway surely????

 

Do you suggest i stop making payments as of now, only my DD is due out this week??

 

Thanks for your speedy reply post ;)

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the above is a copy of the loan, myself and hubby went into branch to sign. not very clear but, there is no signature for and on behalf of welcome or date, there is only a witness signature. also this agreement does not have CCA header on it, hence the reason why they probably can't find it????

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it is difficult to read figures from this, so here they are:-

 

Total amount of credit: £10676.40

monthly payment: £151.50

Number of monthly payments: 180

APR VARIABLE: 16.40%

TOTAL CHARGE FOR CREDIT (M+N+O) £16594.36

ACCEPTANCE FEE: £0

MORTGAGE INDEMNITY FEE: £1174.40

INTEREST CHARGE: £15419.96

RATE OF INTEREST - NO FIGURE IN THIS BOX

 

SETTLEMENT FIGURES:-

AFTER QURTER TERM: £9864.99

AFTER HALF TERM: £8189.87

AFTER 3 QUARTERS TERM: £5230.37

 

MYSELF & HUBBY HAVE BOTH SIGNED THE AGREEMENT ON 25/11/2005

 

UPON LOOKING AT THIS FURTHER I HAVE JUST NOTICED A BOX FOR PPI FURTHER DOWN, NOT SURE IF YOU CAN SEE IT BUT THIS READS AS FOLLOWS:-

 

I WISH TO PURCHASE ________________

PAYMENT PROTECTION INSURANCE

 

THERE ARE NO FIGURES IN THIS SECTION AND NONE OF THE BOXES HAVE BEEN TICKED, HOWEVER I HAVE JUST NOTICED THAT WE HAVE SIGNED THIS SECTION ALSO. SO WHAT HAVE WE ACTUALLY SIGNED FOR HERE??? I WAS ALWAYS UNDER THE IMPRESSION WE DIDN'T HAVE PPI

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You Signed The Pre Contract Agreement And Welcome Being Muppetts Have Accepted It

 

You Have Not Signed Any Credit Agreement

 

JUST LOOKING ALSO

 

THE APR HAS NOT BEEN INCLUDED

 

THAT A PERSCRIBED TERM

 

LOAN TOTALLY UNENFORCEABLE

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YES THIS IS A SECURED LOAN POST. UPON REQUESTING A COPY OF MY CCA BACK IN JULY, I RECEIVED THE FOLLOWING DOCUMENT:-

 

ccafromwelcome.jpg?t=1255989518

 

THE FIGURES READ THE SAME AS THE CARBON COPY ABOVE, HOWEVER THIS ONE HAS THE CORRECT HEADER AND ALSO HAS THE ADDED FIGURE OF 14% FOR RATE OF INTEREST PER ANNUM.

 

THE MASSIVE FLAW HERE IS THAT THIS COPY STRANGELY HAS NO NAME, ADDRESS OR SIGNATURES ON IT ANYWHERE, SO BASICALLY IT COULD BE ANYBODY'S LOAN????

 

WHEN I PHONED TO SAY PLEASE SEND ME CORRECT AGREEMENT, IT IS THEN THAT THEY SAID THEY CAN'T LOCATE IT.

 

WHAT ARE YOUR THOUGHTS NOW????

 

WHAT DO YOU MEAN BY IT'S MY LUCKY DAY, DO WE HAVE A GOOD CASE HERE????

 

THANKS YOU SO MUCH FOR ALL YOUR HELP SO FAR, IT REALLY IS MUCH APPRECIATED.

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No it was requested over the phone back in july and i was told i had to pay £10 fee!!!! I did this by debit card and have the statement to prove my payment.

 

When i have phoned again requesting the correct CCA, they said they can't find my £10 in the system so any requests from me are on hold while they locate my fee. Personally i think they are stalling, god knows what for, but they have requested this meeting on friday so i will be taking a copy of bank smt in with me to prove i have paid.

 

What else do you think i should be saying to them when i get there???

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It Seems Welcome Have Lost Your Agreement

As Stated

Sign Nothing, Welcome Will Prob Sling An Agreement Under Your Nose And Say Sign Or Be Hung , Drawn, And Quartered

 

Ime Posting A Template In A Mo For You To Send Welcome

 

Lets Do This By The Book

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yes i have signed the pre contract agreement only haven't i. i did notice that it says on there DO NOT sign or return this copy, why is that???

so basically are you saying i have never signed an actual credit agreement?? also, why do you think they would "lose" this pre-contract agreement, surely if this goes to court, they at least have something with my signature on and that would help them, no??

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WITH OUT AN AGREEMENT

 

WELCOME ARE STUFFED

 

THEY DEFAULT ON THIS REQUEST IME POSTING AND THEY WONT BE ABLE TO TAKE IT TO COURT AND AFTER 14 DAYS FROM RECEIPT YOU CAN WITH HOLD PAYMENT WITH NO PENALTY

 

send this by recorded delievery

to

 

welcome financial services

compliance

ruddington fields business park

ruddington

nottingham

ng11 6nz

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77(1) to s.79 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name

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It is clearly obvious that you have had bad dealings with Welcome in the past and your advice is absolutely sound as can be. Thank god for people like you, i really can't thank you enough. For once i think i will have a decent night's sleep tonight, as i am feeling positive now.

I will send this letter off recorded tomorow and if anything happens in the meantime, i will let you know asap, other than that i will be in touch on friday after the dreaded meeting ha ha, speak soon and once again thanks for everything:D

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Just a little tip. Welcome Finance tend to charge interest on their fees. There's a case in the CoA at the moment awaiting judgment on the issue of whether that is legitimate. If it goes in favour of the consumer, then you may want to challenge Welcome over that mortgage indemnity fee...

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