Jump to content


  • Tweets

  • Posts

    • 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.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
    • 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.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Secured Welcome Loan - Help!


Gram1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4752 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Gram, out of interest who is the 1st charge with?

 

as for the 2nd charge...picture! search the mortgage and secured loan thread...you might find useful info over there to help you with those parasites..

 

b-o-2

 

HI brassed off,

 

1st charge with Halifax, 2nd with Picture, 3rd with Welcome.

 

If we were to sell the house then Halifax would get all their loan back, Picture would only get about half of theirs and Welcome none.

 

I wish i could get Welcome and Picture to agree to 50p in the pound f&f settlements and then we would simply sell up, pay all 3 off and start all over again a million times better off. Can't see any other way out of this without going BRupt.

Link to post
Share on other sites

  • Replies 159
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Gram

 

I only asked, as i am with another sub-prime **** as first charge, who are hopefully about to go arrrse over t!t.. anyhow...

concentrate on welcome at the moment...were all here to help!!...when you have them under control..i would suggest you look at picture loans..and deal with them too...but that you can do at your leisure...as they are also sub-prime ..that account will be riddled flaws, must say im no expert on picture but you will find some over on that thread.

b-o-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

Link to post
Share on other sites

Oh thats interesting. My loan with Picture is much larger than the Welcome one so i would be keen to get started on them too - Do they have their own thread just like welcome do? I had a look on the Secured loan/mortgage section but could only see a couple of short posts on Picture but nothing much. any ideas?

Link to post
Share on other sites

it might be worth start in your own in the mort & secured loan thread, and see how it goes...then post a link over here and i will have a look!!

take a look at this link...interesting

http://www.fscs.org.uk/Download.ashx?id=11570

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

Link to post
Share on other sites

Thanks Brassed off - I have started my own Picture thread too - here's the link

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/240145-picture-loans-anyone-help.html

 

The default link you posted, is that just concerning ppi mis selling? as i opted not to take ppi so i dont have it on my loan. I do believe that they shouldn't have loaned to me at all as it effectively made me 125% LTV or worse - would that be grounds to claim?

Link to post
Share on other sites

going over to your thread now...

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

Link to post
Share on other sites

Gram

 

I Have Enough

 

Ime Going To Do A Letter For You

 

Check Back Tonight And Decide How You Want To Play This

 

 

Hows the investigations going Post?

 

Any thoughts on how or if i can go about trying to sell up and pay reduced sums to Welcome (and Picture) so that the house sale covers all oustanding debt on it or is this just wishful thinking?

Link to post
Share on other sites

Lets Get Started Then

 

Has Welcome Sent You A Copy Of Your Agreement Yet Under A Cca Request

 

HOW OLD IS THE AGREEMENT

 

No, havent sent this off yet. The agreement i posted earlier was the copy they sent me at the time of taking the loan out.

Link to post
Share on other sites

125% Loan To Value? At best irresponsible, at worst unfair. Perhaps the slender tendrils of an unfair relationship but for now you have more than enough to go on.

 

Just off to get some popcorn and a nice cold diet pepsi.

 

Looking forward to watching Post at work in the coming entries :D

Link to post
Share on other sites

125% Loan To Value? At best irresponsible, at worst unfair. Perhaps the slender tendrils of an unfair relationship but for now you have more than enough to go on.

 

Just off to get some popcorn and a nice cold diet pepsi.

 

Looking forward to watching Post at work in the coming entries :D

 

Well house was valued at about 120,000

 

Mortgage balance was approx 95,000

Picture then lent us 55,000 (which paid off a previous secured loan)

Welcome then lent us a further 10,000

 

so that would be £160,000 owed on a house valued at approx 120,000. Not good eh?:-|

Link to post
Share on other sites

right then

 

this has been done before but only through court action

 

ime trying to explain this in the best way. you have to understand that the whole welcome network is there to screw you, from start to finish.

 

even on insurance policy , they suply the vastly inflated insurance then screw you on commission for screwing you

 

give me five and ill post up the first document you need

Link to post
Share on other sites

Engineering debt which technically you could never re-pay without a bit of help from seven lucky balls in a transparent container!

 

This is a sign of the past irresponsible lending practices that helped to cause the current economy. Not sure how you'd introduce this element to your argument but it would certainly reduce credibility of the lender in a more formal environment. As they were supposed to be a professional outfit it'd hard for them to maintain this lending was anything other than reckless.

 

Given the fact they probably made large commissions on such deals (which should be obvious on paperwork resulting from a SAR) you could reasonably argue it was lent not in your best interests but in theirs. Just another little point to add to your weaponry.

Link to post
Share on other sites

Given the fact they probably made large commissions on such deals (which should be obvious on paperwork resulting from a Subject Access Request)

 

not a chance on sar

they just spout corporate sensativity

 

you need this for them to comply

 

most important sent recorded delivery

 

 

 

xxxx

Xxx

Xx

Welcome financial services

Compliance

Ruddington fields business park

Ruddington

Nottinghan

Ng11 6nz

 

1/01/2010

 

 

Account number

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed. Additionally I require the underwriting sheet and any reference to welcome elite brokers. These documents to show any commission paid to you by the broker or by you to a broker.

 

obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and would ask for a response by 4pm on 21/01/2010

 

 

Regards

 

xxxxxxxx

Link to post
Share on other sites

Terrific, thank you very much. Will send this off asap.

 

I take it they will either ignore it or send a standard rubbish response back?

 

 

Also, have you seen anything in the agreement i posted that you think is

questionable? Would we address this after their response?

Link to post
Share on other sites

ive spotted many things in the agreement

 

we have to take it one step at a time

 

lets see to begin with if they have an agreement

 

that welcome elite brokers will scare the hell out of them

 

they cant say sod off we dont have that, not me gov

 

i have proof they do

 

they cant ignore that request or spin a yarn

Link to post
Share on other sites

ive spotted many things in the agreement

 

we have to take it one step at a time

 

lets see to begin with if they have an agreement

 

that welcome elite brokers will scare the hell out of them

 

they cant say sod off we dont have that, not me gov

 

i have proof they do

 

they cant ignore that request or spin a yarn

 

Excellent, thank you so much. Will get that sent off asap and will let you know what response i get!

 

In the meantime i am expecting a call any day regarding the December direct debit payment that bounced. Any suggestions as to what i should say?

Link to post
Share on other sites

they will say they will hang draw and quarter you if you dont pay, baliffs

blah, blah,blah

 

just tell them to send every thing in writing

tell them you have sent a letter to compliance

 

any hastle, get back to me

 

you can allways refuse to go through security, every thing in writing

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...