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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.  
    • 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.    
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Laura v Halifax - **Debt Written Off**


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According to internet BLS is Lloyds TSB difficult to know whose responsible as night before a call said it was the LLoyds group and the numbers are same for Halifax/BOS and BLS

 

Anyway just before 10pm had one of the silent calls with the office back ground noise daughter had to leave me in shower on my own to answer phone these low life are interfering with my quality of life it`s a disgrace and should be a criminal offence to harrass a 3rd party to the debt owed it`s nothing to do with me yet I`m the one suffering all these constant annoying pre-recorded calls my children are here to look after mine and my hubbies needs not to keep answering harrasment phone calls:mad:

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Will do m you have a good weekend off to Grandaughters 7th Birthday party should be a laugh then Twycross Zoo tomorrow it`s a break for me looking forward to it:)

 

LC. What HAVE you done!!! Talk about 'famous last words'. Now i'm convinced that you're some sort of witch :D.

 

Seriously, so sorry for you. Must be pretty painful. I wish you a very speedy recovery.

 

M

 

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M no one would believe the calamity had a rainbow coloured cast on yesterday been back today had no sleep as the cast seemed tight I now have changed from fibre glass to plaster of paris and now it`s pink

 

Daughter had a half day today, to see to us daughter in law as been to hospital with me this morning

 

A witch I`m a devil lol 6 weeks + of this and I`ll be a crazy nutter lol

 

Loads of friends been calling to run errands and help great to have good support with the added bonus of friends raising my spirits on here

Edited by Laura Cooke
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DD

 

Hi felt a bit better my sister been then my niece today which as took my mind of things today

 

Just started emailing this and BLS collections have rung any idea if it is Halifax or LLoyds TSb numbers same 08456029441 can`t wait till FOS take action on them

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Are you sure it`s Halifax BLS everywhere on the site says it`s LLoyds Tsb just had a call from a Scottish guy saying it was Lloyds Tsb group BLS a sales call needed me to sign something he was sending hung up I really need to know off here who I am reporting whether it is Halifax or LLoyds TSB as same number:confused:

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All the same bunch. From their site>>>>>

 

ABOUT US

Lloyds Banking Group

 

Our Opportunity

Lloyds TSB Group plc was renamed Lloyds Banking Group plc on 19 January 2009, following the acquisition of HBOS plc. This makes us the largest retail bank in the UK with a number of leading market positions. One in three people bank with us.

Halifax, part of HBOS, owned by Lloyds TSB

 

M

 

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I`ll report Halifax then because forms came today from FOS they are partially filled in by the FOS I was so annoyed when they rang today on a pretence of a "Sales call" I have been up to my neck in it because I have been poorly been took back to the hospital for the 3rd time to change my cast

 

What bit I could understand with the accent was they`ll send a form so I can discuss things if hubbie can`t speak to them

 

What a shower of sh** this lot are

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I`ll report Halifax then because forms came today from FOS they are partially filled in by the FOS I was so annoyed when they rang today on a pretence of a "Sales call" I have been up to my neck in it because I have been poorly been took back to the hospital for the 3rd time to change my cast

 

What bit I could understand with the accent was they`ll send a form so I can discuss things if hubbie can`t speak to them

 

What a shower of sh** this lot are

 

Well I hope they give you a peaceful weekend :mad:. Yes, they are a shower. The latest trick from ARC is they phone my work mobile from random mobile numbers in the hope I answer it. They finally caught me out yesterday. I taught him some new words :D. Don't think he'll call again.

 

M

 

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Thanks M everyone kept saying it was Halifax akward with them being same group so when you get this automated phone calls or their favourite silent calls you don`t know who you are holding reponsible when you complain to FOS:confused:

 

Had similar probs myself with Blair Oliver Scott. Never used to go through security with them and I eventually complained about the non-stop calls (against the wrong account :-|. I had a card but didn't realise that a loan I had ended up with them too lol).

 

Surprise, surprise they came up with phone logs and all sorts to prove that they hadn't called. Soon put them right when i realised what was going on. D***heads.

 

M

 

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  • 3 weeks later...

Call centres face ban on repeat silent calls

Repeated silent phone calls are to be banned, bringing relief to all those harassed by the calls which are generated by computerised cold calling systems.

 

Telecoms regulator Ofcom has been trying to put a stop to the nuisance calls for years and has fined several companies for breaking its rules. But 70% of the complaints it gets about silent calls are still from people who received two or more a day from the same company, often over several days or weeks.

 

The silent calls come from telemarketing firms using computers to automatically dial random numbers simultaneously. Sometimes the technology mistakes someone answering the phone for an answer machine and hangs up. Or if too many people answer at once and all call centre staff are busy, the call is cut off.

 

The new dialing rule is set to come into force early next year. It will ban companies from calling a number more than once in 24 hours unless a call centre worker is on hand to pick up the call.

 

"Silent and abandoned calls can be very irritating and even frightening for some people," said Ofcom's chief executive, Ed Richards. "By tackling repeat silent calls, backed by firm enforcement action, Ofcom expects to see a sharp reduction in consumer harm."

 

There are existing rules that say a message should be played to explain an abandoned call. Ofcom is looking at clarifying its rules.

 

Ofcom already slapped a £50,000 fine on Barclaycard in 2008 for breaking its rules. Other companies fined include The Carphone Warehouse and Abbey National.

 

The number of silent calls has fallen since its peak in 2008 and complaints are also down, from 1,300 in October 2000 to 825 in March, but it is still a big problem.

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Ofcom already slapped a £50,000 fine on Barclaycard in 2008 for breaking its rules. Other companies fined include .............and Abbey National.

 

Made me smile :). Where's this from?

 

M

 

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Hi as I can`t get in my office upstairs very well with my broken leg I`m using a lap top downstairs I get my emails by going on TalkTalk Web Mail it came up on there with the days latest new clips I for one welcome this as had umpteen silent calls which are not very nice as I am a third party to anything I find it very distasteful and intimidating I reported Halifax recently for this and then Lloyds Tsb started doing same telephone n umber same but actually got a caller on other end told her to remove my number from her files not had any bother for near on 3 weeks:)

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hi DD battling on with the leg nothing else I can do it`s so frustrating relying on people to do errands as I`m the only driver in the house. No heard nothing but all calls stopped I`ll flip if they start again really not in mood for keep answering phone got enough on my plate thanks for your concern x

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