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    • 25/05/2024? That the deadline or the date of the claimform?
    • 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.  
    • 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
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Keep up the Good work!


Major Player
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Hi all, thought that I had seen a few people feeling a little wary about the action that they have or are taken, wanted to point you in the direction of the FOS stats:

 

Complaints data

 

You can see on the resolved cases from the six months to December, overall an incredible 92% of cases referred to the FOS after Welcome rejected the complaint were found in favour of the customer and an even more impressive 96% of PPI misselling cases where found in favour of the customer when Welcome had rejected the claim in the first place.

 

The work of everybody on here makes things like this happen, it goes to show that through combined knowledge and experience a difference can be made. I would also say that this means for those who Welcome are giving the run around to, remember, they might think that they are getting a small measure of success in batting your complaints around, however don't lose heart as the FOS can see who is actually in the right!:cool:

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Exactly right Major :) . . . most of us on here do not want a free ride or a loan that we do not expect to pay back, we jst want to be treated fairly in a moral and professional sense. There are laws to ensure this happens and we will defend ourselves and not only receive justice but allow the path for others.

 

 

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Hi all, thought that I had seen a few people feeling a little wary about the action that they have or are taken, wanted to point you in the direction of the FOS stats:

 

Complaints data

 

You can see on the resolved cases from the six months to December, overall an incredible 92% of cases referred to the FOS after Welcome rejected the complaint were found in favour of the customer and an even more impressive 96% of PPI misselling cases where found in favour of the customer when Welcome had rejected the claim in the first place.

 

The work of everybody on here makes things like this happen, it goes to show that through combined knowledge and experience a difference can be made. I would also say that this means for those who Welcome are giving the run around to, remember, they might think that they are getting a small measure of success in batting your complaints around, however don't lose heart as the FOS can see who is actually in the right!:cool:

 

I Did say this Feller would be an ASSET!!! Brilliant Stuff Major. Thank You Very Much. Your Input is Really Invaluable to ALL here on the Welscum Forum!!!:)

 

Cheers, MARK

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Exactly right Major :) . . . most of us on here do not want a free ride or a loan that we do not expect to pay back, we jst want to be treated fairly in a moral and professional sense. There are laws to ensure this happens and we will defend ourselves and not only receive justice but allow the path for others.

 

 

I agree with this, the majority of us (the ones here doing research to find out rights etc) dont want to wriggle out of a debt we just want companies to stick to the rules which are there for everyones protection funnily enough including their own :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Exactly, take myself for example I have been paying them for 6 years since 2004 and always played their game and spoke on phone and made payments, never questioned them and only now out of frustration and gaining of knowledge that I question their motives and professsionalism and am first ashamed I have allowed myself to be treated this way and now willing to challenge their previous and current actions.

 

 

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Its not for you to be ashamed its for them to be ashamed they are the ones taking advantage of people that at the time of using their company have very little choice! And with hindsight and knowledge its easy now to see how we have been treated but not so easy at the time. I think CAG is fab because it makes you realise that you arent alone in all of this!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Its not for you to be ashamed its for them to be ashamed they are the ones taking advantage of people that at the time of using their company have very little choice! And with hindsight and knowledge its easy now to see how we have been treated but not so easy at the time. I think CAG is fab because it makes you realise that you arent alone in all of this!

 

And that MY Friends is the Exact Reason WE Will ALL WIN against these ****!!!

 

WE Found Out WE were being Conned, Diddled, De- Frauded and Theft IS Being Perpetrated Against US. When ALL WE Need is Fairness And Understanding in Our Dealings With this ****.

 

The Strength of Feeling Has Been Unleashed. The Difference NOW is The Knowledge is There, Along With STRENGTH in Numbers.

 

We Played The Game Long Enough. Feeling Indebted to Them because There Was No One Else, and they HELPED Us Out of a Stickey Patch, or something like that.

 

Now WE Have Found that They Make up Their Own Rules has they Go Along!!!

 

That IS SHAME ON THEM, And SHAME on A Government that Allows Them to Operate in This Fashion.

 

Cheers, MARK

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The Financial Ombudsman Service is able to deal with complaints about sales that happened before 14 January 2005 as long as the policy was sold by a high street bank or the firm was a member of the General Insurance Standards Council (GISC), I'm pretty sure that Welcome were not.

 

If the firm you dealt with wasn't a major bank or a GISC member, but was a member of the Finance & Leasing Association (FLA), then the FLA may have to deal with your complaint, rather than the Financial Ombudsman Service, I think Welcome were a member.

 

Welcome must tell you which body your complaint can be referred to in their rejection letter, if they haven't then this alone is cause for complaint.

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Hi Major Player, the agreement was a welcome agreement dated 2003. In 2008 we exausted our complaint with welcome and sent to the FOS who took one year to say that they could not help as Welcome had refused them any information on the grounds that at that time they were not regulated by FSA. This only came by letter to us from FOS and not welcome. The OFT refused help also, it seems that no authority is able to help people with these old agreements.

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FLA are the old boys club though arent they?? or is that some other set of letters lol

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Its not for you to be ashamed its for them to be ashamed they are the ones taking advantage of people that at the time of using their company have very little choice! And with hindsight and knowledge its easy now to see how we have been treated but not so easy at the time. I think CAG is fab because it makes you realise that you arent alone in all of this!

 

Couldn't have said it better myself....people have been taken advantage of for far too long.

Thanks to everyone involved with CAG.

Somedays I feel I am leading my daughter's boyfriend down a wrong road by urging him to fight Welcome but when I come onto the forum I realise if we all keep fighting, hopefully things will change for the better.

 

Thanks....you are all wonderful

Dawnx

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