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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.  
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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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Lloyds Loan - Default Notice & Solicitors Letter


JRP1414
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Hi all,

 

I am after some help with my other half's personal loan from Lloyds TSB if I can please? We have come across a problem with it and are now struggling to work out the next step.

 

The loan is a few years old and everything was running smoothly until my other half went on maternity leave in Feb 2009 and struggled to make the monthly £230 payment. She spoke to Lloyds who agreed to accept £30 per month for the duration of her reduced income.

 

This started off well but after a couple of months, without warning, Lloyds suddenly increased the monthly Direct Debit to £230. There was insufficient money in her current account to cover this and consequently the figure was returned unpaid and a charge of £30 levied by Lloyds. My other half contacted Lloyds, who after a lot of passing around departments agreed it was a mistake, cancelled the £230 direct debit, refunded the £30 and set up a new direct debit for the agreed £30.

 

For the next two months, exactly the same happened again and £230 was debited from her account, but this time, along with the agreed £30. At one point, despite cancelling the direct debit, Lloyds actually forcibly set up a new one without my other half's permission. This time I wrote to them to complain about breaches of the direct debit guarantee. Lloyds upheld the complaint, apologised for their mistake and awarded £75 compensation.

 

As we had completely lost faith in Lloyds being able to manage a direct debit, my other half insisted that she pay manually in future and after some negotiation, Lloyds furnished some account details for her to make payments to.

 

Unfortunately, however, in November 09, she was taken into hospital and missed the £30 payment. She received a call from Lloyds who said that she had broken the agreement and that they now required in excess of £110 per month from her. She explained she couldn't pay that much and asked to be put back on the agreed £30. Lloyds said that they needed her incomings and outgoings to make this decision, which she gave over the phone. The man did some calculations and agreed that she could stay on the £30 and the call was ended. 10 minutes later, he called back and said he had made a mistake and they could not accept less than £110. She again said she could not pay this much and was told that she would therefore be hearing from their collection agents.

 

On 17th December 09, my other half received a default notice, dated 14th December, demanding the full outstanding balance on the account of over £6600 and giving her until 4th January 2010 to pay it. I have attached a scanned copy of this notice here, pages 1 & 2:

 

http://i411.photobucket.com/albums/pp192/JRP1414/LloydsLoanDN1.jpg

http://i411.photobucket.com/albums/pp192/JRP1414/LloydsLoanDN2.jpg

 

On 5th January 10, she then received a letter from SCM Solicitors also demanding the outstanding balance in full:

 

http://i411.photobucket.com/albums/pp192/JRP1414/LloydsLoanSCM.jpg

 

We have checked her credit file on Credit Expert and there is no default registered. It does however say that she is 6 payments late, which cannot be correct.

 

I did request a copy of the Credit Agreement a little while back, which is attached here:

 

http://i411.photobucket.com/albums/pp192/JRP1414/LloydsLoanCCA1.jpg

http://i411.photobucket.com/albums/pp192/JRP1414/LloydsLoanCCA2.jpg

http://i411.photobucket.com/albums/pp192/JRP1414/LloydsLoanCCA3.jpg

 

and going through the FOS, successfully managed to get the PPI refunded.

 

Since looking through the statements that were sent with the CCA, I have spotted a couple of inaccuracies with the account, where it seems that they have charged back the returned £230 monthly payments more than once, thus incorrectly increasing the debt. They have also charged some fees in relation to this that have not been refunded. So its possible that the amount in debt is disputed too.

 

We have not yet replied to the Default Notice, nor the Solicitors letter and really do not know what step to take next. Should we consider a complaint to Lloyds that cancelling the voluntary agreement after missing one payment, when they took incorrect amounts several times seems quite unfair? Or should we simply contact the Solicitors to see if they will be reasonable and accept the agreed £30?

 

Any help would be gratefully received!

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[email protected]

 

That would be my port of call, CEO Office.

I can truly appreciate what you're going through, having problems with a similar issue ourselves, just awaiting a response from eric :)

Well his secretary ;)

Somebody else may have alternative suggestions, but that would be mine for starters.

Just explain everything to mr daniels that you have here, and you should have a reply rather sharpish.

 

Best wishes.

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Thanks Mills, that's certainly worth a try. I hadn't even considered complaining to the top. You just get to the point where you simply cannot see an end to the ridiculous situation!

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Hi JRP:)

 

It is definitely worth a try and I do wish you every success. From my own personal experience of sending both an email and a letter to Mr Daniels, I would say the chances of a response from his office are slim. A similar complaint with the added bonus of referring to apalling verbal abuse on the telephone by a LTSB staff member met with my complaint merely being passed to Customer Service Recovery in Hove. The response received (from a 'Senior Officer') stated that it had been passed to them for 'special attention' and then proceeded to inform me that they had nothing to add to any previous letters I had received in relation to my complaint:(

 

However, let's just hope Mr D and his staff have made New Years resolutions to be more sympathetic to their customers and you receive a more positive reply. Let us know how you get on!

 

Best wishes,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Thanks Landy. I just don't know how these guys excuse their behaviour. I can't imagine a customer writing to the Chief Exec at my work and not receiving a thorough reply to their concerns! What a way to run a business.

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Thanks Landy. I just don't know how these guys excuse their behaviour. I can't imagine a customer writing to the Chief Exec at my work and not receiving a thorough reply to their concerns! What a way to run a business.

 

Ah yes, but this is LTSB we are talking about and I wouldn't trust them as far as I could throw them:eek:

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Personally, I would not alert them to the problem with the DN - they have certainly ballsed it up arrears must be the arrears and not the total balance.

 

This would become very useful in court if it gets that far.

 

If you alert them they could easily come back with the correct DN and then you are stuffed so to speak I would not contact them regarding this but this is my personal opinion.

 

HH

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