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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.  
    • 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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Help ..Enforcement notice


sweetpants
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Same here sweetpants, I sent them off the letter in Gary's link, it may help things along.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Hi Mindzai

Yes I think I will fax a copy off in the morning and pop another in the post as Gary did.Like you say it may help things along.

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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Just another update.

Faxed and posted [problem] non compliance letter off last Saturday and have heard nothing from them ,(no surprise really ) ,so letter to the court being delivered on Monday.

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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  • 2 weeks later...

Got the following reply from the court yesterday:

 

Dear Sweetpants

Re:Sweetpants vs Lloyds

Thank you for your letter of 5th Feb.

In a case such as this where one side has complied with the Judges direction and supplied their documents to the other side but the other side has not reciprocated,it is for the aggreived party (yourself in this case ) to consider making an application to the court for an order imposing a sanction against the offending party ,up to and including asking that their case be struck out.Wether or not you make such an application and what you actually ask for in it is a matter for you to decide.

Clearly the idea behind giving the parties directions is so that at the hearing both parties will have seen and be familiar with all papers in the case,their ownand the other sides,and so that no evidence is adduced at the trial which the other party (and the Judge) have never seen before which can lead to an adjournment or that evidence not being allowed to be used,and possible costs being awarded against the offending party.

The court is not aware as to why the defendants have not complied.It may possibly be,as with many of these bank charge cases,that they may offer to settle with you at the last minute.

Yours sincerely

Mr R Hodder

Listing Section

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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The court is not aware as to why the defendants have not complied.It may possibly be,as with many of these bank charge cases,that they may offer to settle with you at the last minute.

Yours sincerely

Mr R Hodder

Listing Section

I really like that part sweetpants. :D

 

Am I right in thinking that your hearing is on 14th February? If so then keep a check on your account at various times throughout the day from Monday and you will probably find they credit the money at the last minute. Make sure you know exactly how much it should be including interest on that day, as they may try to credit the amount without interest.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Hi Lucid

Yes I liked that part too..Think the courts know what to expect now

Yes I have a valentine date with Lloyds.Same place and time as GaryH as it happens.Dont think we will get any chocs and flowers from them though but as long as we get our money I for one wont mind.I am on early shift and am that confident that I am not taking the day off.Should I not hear any good news before I finish at 2 I will just go straight to the court from work for the hearing at 3.Do you think Im being over confident now ?

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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No not at all. My way of thinking is that if they really did want to go to court then they would make sure they met deadlines and submitted documents etc. Obviously be prepared to turn up - which you seem to be - as you may need to turn up and get told by the Judge that they have faxed a settlement. But again, make sure you know how much they owe you on that day so that you can tell if the amount they're paying is right or not.

 

Also you might want to consider totalling up a schedule of costs to submit to the court on the grounds that the bank has behaved unreasonably. Check out my post here containing a letter and a schedule of costs we submitted to the court.

 

Lucid :)

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Thanks Lucid

I have the sreadsheet on my home pc plus identical at work so I will be checking just before I leave at 2 .

Once that is done with I will be back at them for everything they have charged me since I started this claim...about another 800 in total I think and also start one with them for my credit card too.

Massive congrats on your win by the way.Im not sure I am confident enough to go for the costs etc though I do admire you both for it...the same as the contractual interest...I thought about it but chickened out.

I will have enough of a task working out the interest on my next claim with them

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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Well I just checked my bank account and there it is in black and white.....CLAIM SETTLEMENT.....£5163.69........whooohooo.

 

I must admit that when I checked it late this morning and saw nothing I was in a panic cos I thought I would be facing court at 3pm tomorrow

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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Im not too sure about the centenary posting as it seems to go up and down like a yoyo.I was on 159 at one stage ??

Thank you both and a massive thank you to GARY H , MINDZAI and LUCID.

Without their help I would have given up long ago.

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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CONGRATULATIONS!!!

Yipeeee!! Well done SP, great news. Looks like I'd better put the suit back in the wardrobe then!:D

 

Obviously you'll have to inform the court, and at the same time you could make an application for costs. I've half drafted a template letter with the intention of posting it on the site linked to the court guide thread - if you like I'll finish it tonight and e-mail it over? PM me your addy if you want to go ahead with it.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks Gary.Couldnt have done it without you.I rang the court straight away and was told " Oh yes they wrote to say they would settle".....Pity no-one informed me as I was getting more nervous as the day went on.I do have to inform them in writing though.I will PM you but will have to think about claiming.Im just working out how much more they have ripped me off for since my claim started so will be starting the battle all over again

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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Well Done - Yet another winner and the banks are down once again ha ha

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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CONGRATULATIONS!

:D:D

 

I've been keeping a look out for your post Sweetpants! :)

 

Well done - I'm so pleased that it's now over for you.

 

Enjoy your celebrations. :p

 

Lucid :)

 

WELL DONE AGAIN!

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Lucid,

 

Have you got a scanner by any chance?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Yes we do now. Need something scanned?

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Thanks Lucid

Couldnt have done it without your help and encouragement either

You guys are brilliant

 

S.P

Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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  • 1 month later...

First of all congratulations sweetpants!!!! What fantastic news! :D Your thread is really inspiring!

 

I'm hoping someone might be able to help me untangle myself... I received an enforcement notice a couple of days ago - phoned the bank and STUPIDLY agreed to pay back £20/month of the £178.07 they say I am over my limit...

 

  • 9th March - I sent my preliminary letter to Michael Orton in Birmingham
  • 22nd March - Received an "I'm just writing to let you know we've received your complaint" letter enclosing a "voicing your concerns" letter from Kerry Parfitt in Andover
  • Then yesterday (27th March) I received the enforcement notice from collections in Brighton.

Is it a ploy to confuse me - some kind of battle manoevre or are they just confused and disorganised?

 

To whom/where do you think I should send the LBA ?

 

When I write to collections and retract my agreement to pay £20 am I in any danger of saying something they can use against me (I've a feeling I might have already done that!:roll: )

 

I think I might have overdosed on CAG today - as my head is spinning but there is so much to read! It's fantastic.

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  • 1 year later...

Hi everyone,

 

Many thanx to whoever came up with the idea of this forumn. It is more than helpful than I expected.

 

I already got two problems solved at once, the first being bank charges, actually I had a student overdraft which the bank decided to withdraw because I had not renewed it. I owed in excess of £2000- have since paid half the amount back but then I had a temp job so could not keep the payments. The amount of course included many bank charges from way back when i started uni and in Aug this year I served a notice to claim the charges back.

 

The bank (Halifax) wrote back to me to say I should pay £10 as a "processing fee". In the meantime, I have now recieved a letter from a credit mgt company claiming they have bought the debt and they want their money asap.

 

I guess i need to send the debt in dispute letter to both the bank and credit mgt company. But do I have to pay this "processing fee?"

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