Jump to content


  • Tweets

  • Posts

    • 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.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lloyds Stayed 2008 claimform - Claimant Now Going for SJ ***case discontinued ***


gaz2006
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4523 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 104
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Ok, I will have a look when I get back home...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Need some help here re credit card solicitors took me to court with claim in 2008 for just under £5k . I sent several letters asking for agreement copy and default notice copy etc never recieved so District Judge said claim stayed until they were provided .

Now I have now recieved copy of application to "remove stay and apply for summary judgement " as in their words "defendent ie me has no real prospect of defending claim .

They say in witness statement that in 1997 card issued (they never issue without signed agreement they say )

They enclose reconstituted credit agreement stating "due to length of time the original agreement is no longer available . The also say claimant does not have to produce original as its admissable by Sections 8(1) and 9(!) of Civil Evidence act 1995

They also state they changed my card account number 3 times cant give any reasons for doing

Say they have no copy of any default notice and say " that the CCA Act 1974 does not require claimant to keep copy . They say notice on computer system is sufficient .

They also have no copy of formal demand letter but note it on computer .

They say based on evidence provided there was an agreement between the parties and there is no doubt an agreement did exist as its standard industry procedure to have such an agreement . They then ask for summary judgement

 

Now I know reconstituted agreements can be used for s78 requests etc but I thought it wasnt suitable for "proof of debt " they will of course use Carey judgement and they say due to this ruling "no need to produce agreement a reconditioned one is enough and their own bank records " but as there is no

copy of agreement

proof that terms and conditionslink3.gif were correct

no default notice

no demand letter etc

If this is acceptable to the court then anyone would without an agreement be able to sue just going on computer records and industry practice where is the safeguards for people if thats the case ?

It has been suggested I write a letter under CPUTR, Waksman (paras 108 and 234) and CCA 1974 sec 127 (3), should I also be using CPR31.14 ?

What can I do advice and comments please gentlemen and ladies

Regards Gaz

Link to post
Share on other sites

Hi Gaz

 

Have you been given a date for the SJ application hearing?

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Could you post up your defence Gaz.Have i got this right the claim has been stayed for 3 years and the judge requested disclosure?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy Yes 3 year stay as I wasnt able to submit defence as my requests under s77/78 hadnt been answered so the good old judge he was a nice chap said case stayed until the claimant did satisfy them Regards Gaz

Link to post
Share on other sites

Did you file your AoS?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Acknowledge of service.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No Gaz the original Summons in 2008 The defendant must AoS and file a defence if defending.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

sorry

I said I had asked claimant on several occasions to supply information under S77/78 inc true copy of executed agreement and terms and conditions at time and all records inc transcripts telephone conversations , manual intervention , default notices copies statements any other documents that they may rely o in court .

I also put claimant on strict "proof of claim " i asked for true copy of executed agreement containing prescribed terms signed in prescribed manner by both debtor and creditor etc

I used template for here when I did it many years ago ..

.I also said if these documents received I reserved right to amend my defence etc

This is brief summary

judge without hearing stated claim stayed until claimant provided all information id asked for :!:

Link to post
Share on other sites

Ok Gaz so in essence you did submit a defence be it an holding defence. Ok you have a couple of options:-

 

You can file a Witness Statement yourself in opposition to the SJ application (very important you refer to the DJs stay and request for disclosure).

Alternatively or both you can make application to strike out/set a side their application. CPR 24 PD 2. On the grounds that they have failed to disclose failed to follow the DJ order of xx xxx xxxx

 

3) The application notice or the evidence contained or referred to in it or served with it must –

(a) identify concisely any point of law or provision in a document on which the applicant relies, and/or

 

(b) state that it is made because the applicant believes that on the evidence the respondent has no real prospect of succeeding on the claim or issue or (as the case may be) of successfully defending the claim or issue to which the application relates,

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy see my comments re *******************

Ok Gaz so in essence you did submit a defence be it an holding defence. Ok you have a couple of options:-

 

You can file a Witness Statement yourself in opposition to the SJ application (very important you refer to the DJs stay and request for disclosure).************** yes i understand that

Alternatively or both you can make application to strike out/set a side their application. CPR 24 PD 2. On the grounds that they have failed to disclose failed to follow the DJ order of xx xxx xxxx**************** yes follow that too

 

3) The application notice or the evidence contained or referred to in it or served with it must –

(a) identify concisely any point of law or provision in a document on which the applicant relies, and/or

 

(b) state that it is made because the applicant believes that on the evidence the respondent has no real prospect of succeeding on the claim or issue or (as the case may be) of successfully defending the claim or issue to which the application relates,*********** are you talking about what they should have done or what I should do as it says defending the claim as Im defending etc bit confused here

regards Gaz

Link to post
Share on other sites

The above are the grounds the Claimant must adhere to in their application for SJ.The points I have highlighted are grounds to object to their Application.

Gaz can you PM me their WS I understand your wishes not to post it here in the open forum.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Also have a read of the summary at the very bottom, point 4, Carey v HSBC (2009)

No 6 in my signature. If the agreement has been 'Varied' then they have to provide a copy of the original agreement, by 'Varied' i.e. increase in interest rates.

Link to post
Share on other sites

Hi Gaz, I have found my Terms & Conditions from 1998 - will they help? Shall I post them up on here?

Pru

Dear Pru that would be helpful to see even if its 1 year out but im sure other people would like to see too and it my help me regards gary

Link to post
Share on other sites

Hi Gaz

 

Ok i have had a look at the WS what date have you got for their SJ hearing?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...