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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. 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
    • 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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Is This A Valid CCA? They Say Yes - I Say No


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On the CAG donation issue, I made my first donation today by Paypal, but my own view is that this should not be compulsory as posts do go unanswered. Remember that a lot of folk are on CAG because of debt / financial problems.

 

However, what are royalties, platinum, classic account holders etc? Does that depend on subscriptions or is it do with the number of posts etc??

Mozzone

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Taking on the bloodsuckers

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Hi Mozz and thank you for your donation.

 

The status, ie basic, classic, platinum, etc reflects the number of posts made by an individual. It has nothing to do with donations at all.

 

If anyone wants to discuss the donations issue further, please start a new thread to do this to avoid any further hijack of this one.

 

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  • 3 weeks later...

I have had a response off CQ telling me that the agreement is enforceable as they have now supplied the T and C's

 

The problem is, one set of the T and C's cannot be the original ones as they quite clearly show late payment / default charges of £12 - So these T and C's have to be from after 2006 - These have the reference v14# at the bottom of the 6 pages, therefore there is no way that they were on the back of the agreement.

 

The other set of T and C's that they have sent me, has late payment / default charges of £15 and yet on all the statements that they have sent me as well, all the intial charges are for £20 - There are 5 pages of these T and C's and so cannot have been on the back of the original agreement. These have the reference V6# at the bottom of them.

 

Where do I go from here now?

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Hi LDT,

 

By supplying their T&C's, CQ may have gone some way to complying with CCA 1974. This means they may have the right to continue to seek payment from you for this debt.

 

However, that has nothing to do with whether the debt is enforceable or not. Only a court can decide this if the creditor takes you to court.

 

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Hi LDT,

 

By supplying their T&C's, CQ may have gone some way to complying with CCA 1974. This means they may have the right to continue to seek payment from you for this debt.

 

However, that has nothing to do with whether the debt is enforceable or not. Only a court can decide this if the creditor takes you to court.

 

:)

 

 

Hi Slick

 

The T and C's they have sent are practically the same as previously posted on CAG

 

http://img.photobucket.com/albums/v2...ginalAgr-2.jpg

 

http://img.photobucket.com/albums/v2...ginalAgr-6.jpg

 

http://img.photobucket.com/albums/v2...ginalAgr-3.jpg

 

http://img.photobucket.com/albums/v2...ginalAgr-4.jpg

 

http://img.photobucket.com/albums/v2...ginalagr-5.jpg

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-3022377.html

 

 

Obviously they are reconstituted, which CQ now seem to think they have a case. And in no way would they be on the back of a single piece of paper aka as an agreement. As already mentioned, the figures that they would charge me for a late payment / default etc are not the same as my statements show that I have been charged.

 

They also state this in their letter.

 

The court in the case of McGuffick-v-RBS PLC (2009) EWHC 2386 (Comm) determined that if an agreement is unenforceable, the debt nevertheless remains due and it is proper for the creditor to continue to report the existence of the debt to the Credit Reference Agencies. Consequently, we will continue to report on this account to the Credit Reference Agencies.
Which way now - anyone? Edited by letsdothis
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Hi LDT,

 

If you are sure the Prescribed Terms could not have been on the reverse of the card application, then the doc't supplied as your "credit agreement" is not enforceable. However, that only comes into play if the creditor actually takes you to court for the a/c balance.

 

My focus would be on reclaiming the penalty charges with interest in restitution at the bank's contractual rate. This will maximise the amount you can claim and could put a decent dent in the a/c balance.

 

Another useful point is that a DN or other adverse marker on your CRA files is invalid if it includes any penalty charges. In effect, the balance they state as owing is wrong and such adverse data should be removed from the CRA files.

 

:)

Edited by slick132
typo

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i wouldnt "go anywhere"

 

let them sue you on this as an original agreement and see where it gets them!

 

Hi Diddy

 

That's what I was sort of thinking, do I communicate that or just leave them to it now?

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Hi LDT,

 

If you are sure the Prescribed Terms could not have been on the reverse of the card application, then the doc't supplied as your "credit agreement" is not enforceable. However, that only comes into play if the creditor actually takes you to court for the a/c balance.

 

My focus would be on reclaiming the penalty charges with interest in restitution at the bank's contractual rate. This will maximise the amount you can claim and could put a decent dent in the a/c balance.

 

Another useful point is that a DN or other adverse marker on your CRA files is invalid if it includes any penalty charges. In effect, the balance the state as owing is wrong and such adverse data should be removed from the CRA files.

 

:)

 

The images I linked to are practically the same, about 5 pages of T and C's - There is no way they would be on the back of the agreement. (Or at least that is not a copy of the back anyway)

 

As for the reclaiming already in hand. Approx £4.7k including restitution etc

 

DN can wait for now, will sort that out once the charges have been refunded.

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personally id just sit back and see what happens

 

Cheers Diddy.

 

I have had a reply from Cap One re my letter asking for the £4.7k back this morning.

 

Thank you for writing to us about your account.

 

It's going to take us a little while to look into your situation and come back with a detailed response. We'll do everything we can to get an answer to you within four weeks of this letter.

 

If for some reason our investigations take longer than four weeks, we'll contact you to tell you why this is.

 

Thank you very much for being patient while we collect the information we need.

 

Lots of Love

Sven Lagerberg

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Sent me same letter about 3 months ago they never came back to me reported them and they still have not offered a response

 

Did you not issue a court summons?

 

I fully intend to 14 days after I send the LBA in about 7 days or so, I gave them 14 days to respond to my first request.

 

No point in going to the FOS I don't think at the moment for me, I may as well go to court, nothing to lose.

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i wouldn't advise initiating action against them

 

Not for the CCA Diddy, the charges etc

 

CQ can initiate against me if they want re the CCA and then I could counterclaim for the charges?

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Not for the CCA Diddy, the charges etc

 

CQ can initiate against me if they want re the CCA and then I could counterclaim for the charges?

 

if you claim then the burden of proof is on you and it could be expensive

 

much better (IMO) to have the information ready and then deduct it from their claim in any pre action correspondence and./or counterclaim

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if you claim then the burden of proof is on you and it could be expensive

 

much better (IMO) to have the information ready and then deduct it from their claim in any pre action correspondence and./or counterclaim

 

Hi Diddy

 

I have sent Cap One a letter asking for all the charges back. They have responded with the letter above.

 

I gave them 14 days to refund all the charges, plus CI and also 8% interest as well. I was going to wait for the 14 days to pass and then send them a LBA giving them another 14 days to comply.

 

At that point I was then going to issue a court summons for the amount of the charges, plus the CI and the 8% - Is this what you are advising against?

 

I have done the same with BC and Aqua and also managed to negotiate a final payment of £1k in F&F against a car loan by using this method. BC paid CI and 8% and Aqua repaid all the charges with 8% - Both against the balance owed leaving hardly anything left to pay to clear both accounts. All of this was done with just letter writing and no court summons.

 

Cap One, I believe are a tough nut to crack, hence why I was prepared to go all the way.

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wouldn't it be easier to claim via the FOS if the OC is failing to cough up?

 

The FOS would not get you the CI I believe, just the charges and the 8% stat interest, hence why I was not thinking of going down that route.

 

If I just get the charges and 8% stat interest I would only get about £1.5k back, leaving a balance still to pay.

 

With the CI the amount owed is approx £4.7k enough to pay off that debt and 2 others as well.

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well i stress it is only MY opinion- if you have had previous experience and success well you must go with your own instincts

 

when i can wait until a creditor starts and action and i can then wrest control of it away from him - i cant personally see the point

 

i would have thought that at the time of starting an action against you- the creditor is much more likely than he is now, - to refund any charges- so as to increase his chances of success/decrease the chances of his action being struck out

 

good luck whichever way you decide to go

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well i stress it is only MY opinion- if you have had previous experience and success well you must go with your own instincts

 

when i can wait until a creditor starts and action and i can then wrest control of it away from him - i cant personally see the point

 

i would have thought that at the time of starting an action against you- the creditor is much more likely than he is now, - to refund any charges- so as to increase his chances of success/decrease the chances of his action being struck out

 

good luck whichever way you decide to go

 

I think I understand what you are saying, basically, if CQ try anything now, all I need to do is to let them know that there is potentially, £4.7k of charges plus interest, to be counterclaimed. Therefore they would be on a hiding to nothing?

 

Whereas if I initiate the action myself there is a greater risk against myself?

 

I think I need to wait for one of 3 things to happen:

 

1) Cap One give in without a fight and refund all the £4.7k

2) CQ to initiate action and then tell them about the £4.7k thus negating their chance of success

3) Cap One offer a lower amount to settle, and then I tell them that I only accept it in partial settlement, and save the balance in case of 2)

 

Would that be a better plan?

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  • 4 weeks later...

Any ideas on how to proceed now?

 

Some of the unfair charges are over 6 years old, and I did ask for Contractual Interest in my letter.

 

What would be the best way of continuing and telling Cap One that their offer is not good enough?

 

Would I be best replying, saying that I would accept their offer in part settlement only and then giving them another 14 days to reconsider?

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