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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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Toothfairy website error - Where do I stand


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I have a £400 loan with Toothfairy due tomorrow - Now I don't get paid until Wednesday 26th so am prepared to extend it for £72 as after this month I will never require their services again.

 

Anyway I went to the website, signed in, tried to submit the extension payment and...after going through the 'Visa secure code' stage it tries to redirect me to the TF website only to receive some form of SQL database error!

 

As far as I'm aware the funds haven't been taken as I haven't received an email to say they have, I actually have a feeling the transaction may have been declined by my bank as I was hoping they would allow the transaction to make my account slightly overdrawn as I won't have chance to pop to the bank with the £72 until tomorrow being Sunday today! But since I get this SQL error, I can't tell either way really!

 

So where do I stand legally if their website has an error? If I offer them the full £544 on Wednesday 2 days late how many fees will they slap on? I don't mind a small late fee but I will be very annoyed if they start throwing fees on left right and centre!

 

Thanks :)

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Also the last time I extended my loan I received a letter in the post shortly after stating I was 'overdue' and they were to default me if I didn't pay up sharpish!

 

The problem was they addressed this letter to "Mr (surname)" so my Dad opened it. Surely they breached guidelines by doing this!

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I don't know how toothfairy work, but email them now explaining that you do not have the money but that you can do pay all the money due on the 28th (i.e 472) . They will no doubt email you or call you today as the payment has failed. Just in case get the £72 into the bank asap and if they refuse the offer ask them to roll over the loan until friday. If I were you I would fight tooth and nail not to pay the £72. Also in you emal state that correspondance must be addressed to you and explain that another Mr .....also lives at the address. Keep all correspondence

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They haven't breached any guidelines on the letter, it is perfectly acceptable to send a letter to a Mr X without any initial in front. You are clutching at a straw there which will lead you nowhere. It isn't in the OFT Guidelines on Debt Collecting that letters have to be properly addressed to a specific person.

 

As far as the error goes, give them a call and see what they say. If they are playing games in that direction then you can complain to the company and give them 5 days to resolve the issue, if not then a complaint to the OFT, Trading Standards and the Advertising Standards Authority is in order.

 

Trading Standards are taking the line that the company should resolve any issue in 5 days (and this INCLUDES weekends) - after all they claim to be a 24 hour service don't they? If they leave it to day 5 to resolve any issue then you still inform TS and the OFT as they are taking the proverbial.

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OK, tried again this morning and nipped to the bank to ensure there was £80 clear funds in my accountThis time it let me 'extend' the loan for £72 and once I did that my loan status is now showing as owing them £472 so when I clear that on Wednesday I'll have paid the correct £544 which is the £400 plus one month interest.Is that correct? Presumably because I've 'extended' it for another two weeks they'll be moaning I actually owe them £616 but the website clearly shows I owe £472 after processing the rollover payment!

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Actually as you are paying it back before the two week extension you might find it is slightly less, but I wouldn't split hairs at this stage, see what happens when you repay the amount on Wednesday, you might want to phone them and say you did extend for two weeks and repaid a lot earlier so is there any refund? Don't fall for the '25% discount on the next loan' line.

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