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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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      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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Creation/Irwin 1a small claim Summons old BOS then GE Money Joint Loan *WON*


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Hi PF

I do appreciate all this help you are giving me, even although you are feeling poorly thats what I call dedication.

 

Hope antibiotics kick in soon.

 

I took your linkto Companies Hand after some digging out here I found all my correspodance from First National Bank plc and they have a registeration number 593896 on their letters, tapped that in and Hey Presto! it came up with GE Money Home Finance with the old address for First National Bank so can I assume that GE Money took over First National Bank plc therefore would I address it to GE Money or First National or both just to confuse them. (This one shall be by special delivery) the problems I have been having with Recorded delivery just lately are horrendous in the past month no signatures on Royal Mail site for 6 letters posted to different companies.

 

Put your feet up get the telly on nice hot drink and plenty rest (thats if people like me give you time).

Cheers

AFW

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Hiya AFW yes that is what i am doing and browsing the net via my phone :-) i would address to ge money as they are now the owners with the same company reg number PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hiya peeps

CCA'd Robinson Way & Co on July 7th - No sign of CCA from them also CCa'd Lewis Debt Recovery who have insisted they have sent me CCA but obviously dontknow what they are doing keep on sending me store card CCA.

Receive threatening court letter from Howard Cohen took Ida's advise and sent them letter in post 9 (to Howard Cohen)Well sent letter as advise today I received this in the post from CL Finance some kind of statement but on the back it states it does not contain all information to which I am entitled to...who is playing silly games here?.

 

I shall up load a copy for your bedtime reading. They are now starting to p**s me off (maybe thats what they are trying to do).

Any advice I do know that this statement does not represent the CCA but read the backof the statement:

 

Front Page One

Back Rear of page one

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just as an extra, have you recevied a default notice for the 'correct account'?

 

ida x

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Hi Ida THanksfor your reply.

 

The statement in Post #20 is the first thing I have ever received from CL Finance in connection with this account and I presumed this was in response to my CCA request to Howard Cohen who is now threatening mewith court action. I have written them with Ida's "I am rather bemused letter"

 

As for aDefault notice I do not hold one on file however at the time we defaulted I was up in the air with having my terminally ill dad staying with us and my Hubby who is not a well man so not sure of default notice.

The only other letter I have apart from demands from Robinson Way is a Notice of Assigmnment which I dont really understand as it is dated September 2008 from Lewis Debt Recovery (This is getting really confusing now.

 

1. Bank of Scotland Loan

2. Letters from GE Money wanting me to pay them seemingly transferred to them at some point.

3. Then letters from Robinson Way demanding payment. Requested CCA then they wrote saying they were no longer dealing with this loan.

4. Letters from Lewis Debt Recovery wanting payment. ALso a letter from them dated 28 September 2008 Notice of Assignment seemingly Lewis Debt Recovery is giving me notice that GE Money have by assignment dated 31st December 2007. But I was still receiving demand letter from GE Money on 14th January 2008 so how could this have been assigned on 31st December 2009 (not sure really what I am talking about assignment but why dates 31st December 2007 on assignment and then letters from GE Money dated 14th January 2009. Please can you help me my mind is pickle right now.

 

I shall post up the Notice of Assignment that I received from Lewis Debt Recovery.

 

Notice of Assignment

 

AsI have said before Lewis Debt Recovery are adament they have sent me a copy of the CCA but haven't

Any help would be greatly appreciated.

Cheers

AFW

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ok so howard cohen have not responded to the letter direct apart from sending statement?

 

 

to be honest there is not much you can do at this stage - just keep copies of all letters sent to and from- just incase - you have done all you can to show the shower of muppets that the have set you the wrong cca - which maybe them trying it on which is a big no no.

 

ida x

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Goodevening PF

 

Hope you aref eeling better tonight (Antibiotics kickedin yet) I thought I would give you a couple of days rest without me hammering questions at youtolet you recuperate.

 

I amabout to send the letter to GE Mney but on reading your spread sheet in your email I am not too sure what figures to send them. ANd I didn't want to bother you whileyou were feeling unwell.

 

Is it the 8% total or 12.5% totals sorry for sounding so stupid but Idon'twant to make a mistake at this level.

 

Have a nice night.

Cheers

AFW

 

but I don'twantto make a mistake at this level.

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Good Evening AFW,

 

How are you.

 

Yes im feeling better just a bit chesty now, but my mum in law has it now will have to keep an eye on her as she is 82.

 

She was due her flu jab next week too poor girl.

 

Now the 8% total is the statutory figure and the 12.5% is the total you have paid so that is the one to go for.

 

Thank You for your concerns.

 

Could do with some of that fresh Scottish air now lol

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hiya PF

 

Glad to hear your better,but sorry to hear your mum-in-law got it especially at 82 years old hopefully with people like you and your good wife looking after her she will be on the mend soon. It takes so much out of them. I remember my dad having it when he was terminally ill and it floored him but he bounced right back again thankfully. Which surprised everyone including his GP.

 

THereis one thing onthe PPI policy that is not right I only worked 15 hours at the time amd my hubby was medically retired so they should not have sold it to us as it stipulates 16 hours for working. No doubt they will try their hardest to get out of this as I am having trouble just now with GE Money regarding charges for my Daughter. She paid all her store card accounts off and didnt realise she could claim charges sent SAR 2 months ago to GE Money with another letter at the beginning of this month and they are just ignoring the letters obviously because they know its going to cost them a lot of pennies but I believe they think there is a stay on store card charges according to some people on here.

 

Many thanks once again

 

Will let you know the outcome of letter as soon as I recieve a reply.Fingers crossed.

Cheers

AFW

Edited by 24233513afw
Blooming space bar keeps sticking need a new one!!!!
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Hiya Ida.

 

Will sit and wait it out for a few weeks and see if anything comes of it.

 

By the way like the new Aviator but I liked the smurf too.

 

Cheers

AFW

Edited by 24233513afw
Blooming space bar sticking need anew one!!!!
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Hiya afw,

 

Yes im sure our mum will be fine, she does have angina so any extra stress on her chest could set that off.

 

Anyway we are checking on her every hour and watching the temperature as it was a bit low this morning.

 

Because of the above we will call the GP in the morning.

 

Now the court stay only applies to bank charges not credit or store cards furthermore if you can prove financial hardship the stay on bank charges can be lifted.

 

Finally you are welcome.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Blooming space bar keeps sticking need a new one!!!!

 

Can get them for 2 a penny now ;)

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Morning PF

 

Could I ask you a huge favour could I PM you with the letter I am about to send to GE Money with all the figures in it to get your opinion.

 

Sorry to be a pest but dont want to make a mistake.

 

WIll go and get thwhere I get them.ese 2 for a penny keyboards today lol...make my life so much easier.

 

Hoep your mum-in-law had a good night and feeling better this morning. I do realise that you will be busy due to her not being well so in your own time.

Cheers

AFW

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yes certainly ill take a look this evening 4 u PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hiya PF

 

Hope you and your mum are keeping better tonight.

 

Many thanks for your PM regarding my letter to GE Money asking them to refund my PPI. It is very much appreciated that you took the time to read it over as I was not sure I had put the correct amounts in.

 

I shall let you know the outcome as soon as I hear from them although not holding my breathe.

 

Enjoy the rest of your night.

Cheers

AFW

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Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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Hiya folks

 

A bit of a new twist to the saga sent a letter requesting payment of the PPI we have paid on a loan to GE Money/1st National.

Also in the meantime we requested the CCA from Link Capital (I think its known as) and today surprise surprise what came in the post a copy of the CCA.

 

Now for the 1 million Dollar question....

 

Because I am claiming PPI for this loan from the original financier can Link enforce payment ?.

 

They (Link) are threating us with court action but the balance that we owe is much less than the PPI we have claimed from GE Money.

 

However Link bought this loan from GE Money in 2007

 

Can anybody help us here ?.

 

Cheers

AFW

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Did you make link aware in the CCA letter that you where in the process of reclaiming the PPI ?

 

Others may correct me but im of the opinion that the account is in dispute by you due to the PPI claim so no they can not chase you.

 

If they take you to court i think that could be an oman as you could then counter-claim for the PPI.

 

There is also no harm telling them that any court action by you will result in a counter claim for the PPI.

 

Finally this link below maybe of interest to you:

 

The Consumer Forums - PPI misselling can render CCA loans unenforceable - Very significant for new CCA agreeements

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi PF

 

THanks once again I was thinking exactly what you have said,however if anybody does have a different opinion please feel free to let us know.

 

Hope you and your mum are keeping better will let you know outcome.

 

 

I shall get a letter to them on Monday and see what they have to say.

 

Afterall they owe us more money than they are trying to get of us.

Have a good night

Cheers

AFW

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AFW,

 

I know where you are coming from as i have the same problem with the Co-op Bank I have a loan of £6000 yet they owe me £26000 in mis-sold PPI

 

I refused to pay them any more until I get my money back they did default me ( very unfair considering) and harassed me until I got the FOS involved.

 

Claim started July 2008 and still ongoing.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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I know where you are coming from as i have the same problem with the Co-op Bank I have a loan of £6000 yet they owe me £26000 in mis-sold PPI

 

I refused to pay them any more until I get my money back they did default me ( very unfair considering) and harassed me until I got the FOS involved.

 

Claim started July 2008 and still ongoing.

 

PF

 

 

Hi PF

 

I can't believe what I am reading that is daylight robbery and they think they can get away with it.

No wonder they had big fat profits & bonuses well that has to change I shall be rooting for you and keep fingers toes crossed that you get your money back.

 

It wouldnt be quite fair if all the peolple you help get something back you are such a kind helpful person lets hope you will be repaid for all your hard work.

 

I have just sat a wrote to link will wait their reply if they do reply considering all the bad postings they are getting on here.

 

Cheers

AFW

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  • 2 weeks later...

Hi Just a wee update.

 

Received a letter last week from OFT eventually thanking me for sending my disclose slip to allow them to disclose my complaint details.

 

Then today out of the blue I received a Letter from WEst Midlands Debt Collections again demanding payment. (Have not heard anything from them for months)

 

1. They sent me a blank CCA.

2. In a letter at thebeginning Ida pointed out to me that they do realise that this is not enforceable.

3. Could somebody advise me what to do.

 

WOuld you reply to WMDC demand letter that i received last week

or ould it be better just to ignore them.

 

WHen does statue Barred time limit start from I am a bit confused.

 

Does statue barred start from last payment or last contact from DCA.

 

Cheers

AFW

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last acknowledgment from youself which is normally payment

 

 

me personaly would just let wmdc know that this is stll in dipsute and now in the hands of OFT

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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  • 2 weeks later...

Hi PF and everyone,

Back in the landof living have not been too well recently then computer took a turn for the worst. Anyway back on track now but unfortuately not much to report.

 

Sent special delivery letter to GE Money to their Middlesex office (which was seemingly redirected by Royal Mail who will not confirm where they redirected it to) this was sent on 5/10/09 by sprecialdelivery adndgave them 7 days to reply regarding the missold PPI to date I have not heard a peep out of them which I knd of expected after reading bit and pieces on here. ANy advice on what I should do now. Just recently I haven'tbeen feeling too good a lot of worries catching up I think so any help would be greatly appreciated.

Hope lifes been treating you all a bit better have a good evening.

AFW

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