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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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Fed up, need some encouragement!!


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After listening to my mate (who now has been paid out by A&L, and extremely easily) she had me convinced that barclays was one of the easier ones to sue! After reading more closely i now know that this isn't the case. Issued court proceedings on 12th Sept, which i now know won't be acknowledged until about the 13th/14th day, then the wait of another 28 days!! Is it really worth the sleepless nights?! Is it likely that it will then be defended in which i will have to pay more money and spend more time, listing my charges?? I don't know how you really work out the interest, as using your calculator, my mate who just got a cheque wrongly thought you added the total at the bottom of the calculator to your charges fees, so she had to then file an amendment, but before they got that they paid, and about £500 more than she had worked out on the amendment. If you have to pay for the next stage, do you have to stay at the figure you have already filed for?? Am i worrying too much?? Going mad!! :-x

Prem letter sent 19th August asking for £1465.00

Fob off letter received 24 August :mad:

LBA letter sent 3 September

MCOL started 12 September

Deemed as served 17 September

Offer of £550 received 18 September :(

(Not accepting, waiting for acknowledgement!)

Acknowledged on 25 September yey! :)

Defended on 8 October

Allocation Questionnaire received 14th October

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Oh, fallen7682....poor u!

 

Don't loose sight of why you first started. They have taken YOUR money unlawfully and you have every right to claim it back! Chin up... keep strong and keep reading everyone elses threads, it keeps me motivated!

It will be worth it!

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Thanks for the encouragement. I'm getting married in December and could really do with the money, and at this rate will be lucky to get it before then. I find your words helpful and i will stick with it, just having a bad week lol, and wish there was some ending to this. Good luck with yours and let me know how you get on. Kate

Prem letter sent 19th August asking for £1465.00

Fob off letter received 24 August :mad:

LBA letter sent 3 September

MCOL started 12 September

Deemed as served 17 September

Offer of £550 received 18 September :(

(Not accepting, waiting for acknowledgement!)

Acknowledged on 25 September yey! :)

Defended on 8 October

Allocation Questionnaire received 14th October

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Many congrats on wedding... just think, you will have the money in the new year to start your new married life!!

It is definately a rollercoaster ride but remember .....IT IS YOUR MONEY!! Well worth fighting for it back!

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ps- yes Barclays are 'bloodsuckers' as people on this site have been known to refer them as, and they do try and fight a little (more than other banks) but they are just wasting their money in the end by dragging it out. And, they are trying to scare people off.

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Hi Heidik.

 

Chin up.

Issued court proceedings on 12th Sept, which i now know won't be acknowledged until about the 13th/14th day, then the wait of another 28 days!!
Think you will find its 28 days from the date of issue of claim, after they acknowledge your claim they have 14 days to submit defence.

That should cheer you up.

Argyle.

Story So Far:

Pre letter sent 14th August.

Barclays Reply 18th August.

Barclays Reply 5th Sept.

Lba sent 30th August.

Rejection letter sent 9th Sept.

Barclays reply 13th Sept.

Mcol submitted 15/09/2006.

AQ received 21/10/2006.

AQ returned 23 /10/2006.

Court Date:25/01/07 10.30am

Phoned Barclays 08/01/07 Said they would contact me shortly.

15/01/07 Received letter offering a full settlement however figure was short.

22/01/07 Received telephone call from Barclays asking for a settlement figure.

CLAIM SETTLED IN FULL!!!!!!!!!

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Thanks you all for being so supportive, was having a really bad day which didn't help. Feeling a lot more optimistic about it all now, at least the longer it takes the more interest they will have to pay!!! Look forward to hearing how all your cases are doing to keep me posted, and thanks once again for brightening my day :D

Prem letter sent 19th August asking for £1465.00

Fob off letter received 24 August :mad:

LBA letter sent 3 September

MCOL started 12 September

Deemed as served 17 September

Offer of £550 received 18 September :(

(Not accepting, waiting for acknowledgement!)

Acknowledged on 25 September yey! :)

Defended on 8 October

Allocation Questionnaire received 14th October

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Just keep us all updated on the steps you take and if you have any doubt ask us before you send in the letters or do whatever. We will help you through this. Good Luck, we will be watching with interest, you will find if you follow it through you will hit the roof when the cheque arrives on your doorstep, i know i did.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi Heidik.

 

Chin up.

Think you will find its 28 days from the date of issue of claim, after they acknowledge your claim they have 14 days to submit defence.

That should cheer you up.

Argyle.

 

No, Heidi is correct, you're not. It's 14 days to acknowledge, then 28 days from acknowldgement to lodge a defence.

 

Heidi, if you've filed 12th September, don't think about seeing your money until March, April earliest. I lodged mine in April, and they still haven't settled. (However, hearing date's November 2nd, so one way or another, it shouldn't be much longer :-D)

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Hi,

Please keep going dont get down, claiming back whats your's is full of obstacles, precisly put in your way to put you off claiming back your charges, the banks want people to think it's too much of a hassle, and they make things as difficult as they can, but believe me whern you persevere and WIN you feel a million dollars, I had times when I was very frustrated and I too thought it's doing my head in, but Please continue It's worth it in the end.:)

 

 

GOOD LUCK ......................:D

LETS ROCK !!!:D :D :D

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Acknowledged

The Defendant is allowed a total of 28 days from the date from when they are served with the claim to reply.

 

Doesn't this mean that they only actually get another 14 days on top of the claim to respond and file defence?? When they are served with the claim they have 14 days to acknowledge or defend plus then if they acknowledge they get another 14days but that from their website surely means from the date they are served??? Oh im confused.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I thought the same orfoster. The Step by Step instructions are clear on this. The link http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

state that the Defendant has a TOTAL of 28 days from "date deemed served".

 

Bookworm, can you check on this please?

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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I thought the same orfoster. The Step by Step instructions are clear on this. The link http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

state that the Defendant has a TOTAL of 28 days from "date deemed served".

 

Bookworm, can you check on this please?

 

AFAIK it's a total of 28 days. Fourteen days to defend or acknowledge, then if acknowledged a further fourteen days.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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From HMCS site:

 

Within 14 days of receiving (being 'served' with) particulars of your claim, the defendant must send to the court (called 'filing') either:

  • an acknowledgment of service; or
  • a defence.

 

and

 

Why would the defendant file an acknowledgment of service instead of a defence?

 

Filing a Form N9 (acknowledgment of service) gives the defendant extra time in which to prepare a defence. The time for filing a defence is increased from 14 to 28 days from the date of service of your particulars of claim.

 

So in theory, it would seem so. But I have had 5 claims forms coming back to me form Northampton now, and every single one of them stated on the AoS that the defendant had "28 days from this date (on AoS) to file a defence".

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From HMCS site:

 

 

 

and

 

 

 

So in theory, it would seem so. But I have had 5 claims forms coming back to me form Northampton now, and every single one of them stated on the AoS that the defendant had "28 days from this date (on AoS) to file a defence".

 

My AoS clearly states:

 

"The defendant now has 28 days from the date of service of the claim form to file a defence.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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The question that then springs to mind is, why claimants have been filing for judgement - and allowed to do so - at the end of the 28th day after the defendants were deemed to have been served.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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A-ha, clarified. My mistake, or should I say my misunderstanding:

An Acknowledgment of Service of your claim has been filed today, a copy of which is attached.

 

The defendant now has 28 days from the date of service of the claim form to file a defence

 

So yes, 14/14, then, which means that retrospectively, I let Natwest get away with it a few months back! B*gger, b*gger, b*gger :mad:

 

Apologies for the confusion, grovel, grovel, etc... :-)

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Bookworm, no problem. I do feel it is very confusing until you look at it with an open mind. I called the court about this as it made no sense to me. I may be on first name terms with them soon lol.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I was getting confused just reading it all!!! Kept me entertained for 5 mins lol!! Made me grin about the whole thing, which i haven't done for a while. Thanks guys for all being so supportive. Trying not to check my online claim every 5 minutes so made a bet that i will not check it till after 1pm from now on, and it's only 9.17am and it's killing me!!! Keep me posted on any developments :razz:

Prem letter sent 19th August asking for £1465.00

Fob off letter received 24 August :mad:

LBA letter sent 3 September

MCOL started 12 September

Deemed as served 17 September

Offer of £550 received 18 September :(

(Not accepting, waiting for acknowledgement!)

Acknowledged on 25 September yey! :)

Defended on 8 October

Allocation Questionnaire received 14th October

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haha you sad person lol

 

Thats what i did as well. Its suprising how good it makes you feel when you get that cheque in the post which in sure you will very soon.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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