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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.  
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    • 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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hi new here need help please,littlewoods debt!!


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hi im new here,im just looking to get some advice on littlewoods.

 

ive been with them since 2007 or begining of 2008,i always paid on time till a few months ago,my partner lost his job and we had to stop paying them we were paying 400 a month,i rang and told them i couldnt pay that much and if they could lower the payments just till we get back on our feet,they ignored what i said and i was told to pay up, i told them ive never missed a payment and its not our fault he lost his job,enyway i kept getting calls and they upset me so many times :-( that i changed my number,they have threatend me with court,bailifts but not in writing ive not had one letter about the debt,ive never had eny debt and im so scared i dont no were to turn eny help would be great,as my debt keeps going up and up :!: thank you.

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Thread moved.

 

Hi and welcome to CAG. I have moved your first post to a more appropriate forum where hopefully, you will get more help

 

If you have a look in the library (top left-in green) you will find some letters to help you negotiate with Littlewoods.

 

DO NOT deal with this by phone. They will tell you all sorts of things on the phone that they would never dare say in a letter

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Welcome to the site.

Can you confirm whether this is a catalogue,store card or what ?

 

What charges / interest has been added,and how have you been communicating-have they put anything to you in writing,and when was their last contact and your last payment ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hi its a catalogue called littlewoods,my last payment was july it was 395 pounds, there adding a charge of 12 pound for every missed payment and 24 pound for something else not sure what and thats monthly,i have nothing but my monthly bill sent to me in the post i refuse to talk to them on the phone as they are really nasty

i have a different number now so they cant ring me,but when i had my old number it was once a week.

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i got my monthly bill from littlewoods today asking for £1700 and odd :jaw: wow i dont no were am gonna get that from, enyway do you think it would help if i asked for a cca from littlewoods ive read up on them today and i dont think ive signed eny contract with them,just to get them off my back a bit.

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Ok thanks for clearing that up.

First things first then.

You say that you have always paid on time therefore I assume there were no charges levied prior to the last few months right ?

These charges are a penalty although they will say they are not.

You need to be making a list of them all and adding them up.

If you have got statements then this should be easy.

If there are a few charges from 2007/8 even only a few,the interest on those added to the charges themselves could be quite a sum.

Many of our members have successfully got these charges back.This site has seen many get their charges refunded with interest.

 

Insofar as their attempts to contact you go,providing that you are prepared to deal in writing,and not ignore them,you can insist that all communications are done in writing.

Under Office of Fair Trading guidelines,and as holders of a Consumer Credit licence,they must not demand that you can pay more than you can afford,must not make threats that they cannot enforce,and should respond to your questions and deal fairly and transparent.

So in the first instance you need to;

 

1,work out how much the charges are

 

2.Make a request that they refund them.

 

3.Offer a repayment amount that you can realistically afford and keep to.

 

Keep everything in writing.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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well so far ive had 3 months of charges because i have not paid,but my debt is pretty big it wasnt so bad till i let my mum use my catalogue she ordered a 1500 couch but she doesnt want to pay she stopped talking to me and so did my family,so its just me and my partner and our kids sorry to go on, but i will write to them about the charges they have added to my debt if they refund me then great but i cant see them letting me pay less as ive rang up before and they said with the debt being so big they will not accept enything lower than the monthly amount,my debt today is £4979 pounds :oops: its not like i dont want to pay its just ive not got enough,i hate the fact that my mum knows im in trouble with littlewoods and she wont even give me the couch i have to pay for,i feel so down most of the day :-( but i will try to sort it

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