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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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Fictitious amount on claim form


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I thought that if 6 years had passed since last payment, they could no longer enforce it?

 

Correct, if there has been no acknowledgement or payment for 6 years in England and 5 in Scotland then the debt is statute barred.

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I have just looked at those figures again.. lol.. sorry.. I think they might just have added an extra '0'.. but I agree, it is very misleading and extremely scary !!

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They are having a laugh! A response to CPR is a legal requirement – they MUST comply. They clearly have no intention of sending you anything.

 

They have misunderstood the concept of providing their evidence so you can file a defence.

 

This is not a CCA request – there is no requirement for ANY fee – so they are talking crap.

 

You cannot properly file a defence without their compliance.

 

Here’s the instant reply you need:

 

Dear Tossers

 

I write with reference to your letter of XX Nov 2011.

 

Please note that it is a legal requirement for you to comply with my valid CPR 31 request. You clearly do not understand the legal protocols, judging by the content of your letter, which will be shown to the court. Further, as this is a CPR request and not a CCA request under section 78 of the CCA 1974, there is no fee payable.

 

You should be fully aware that I am entitled to sight of the documents on which you seek to rely in court in order to defend your claim.

 

Please supply the documents requested by return, failing which I shall be applying to the court for an order forcing you to disclose the documents requested. This cost will be borne by you if you fail to cooperate.

 

If you fail to respond to this letter within three days, or do not agree to a time extension in writing, I shall have no alternative but to seek such a court order.

 

Yours sincerely

 

Mad Bugger

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They are having a laugh! A response to CPR is a legal requirement – they MUST comply. They clearly have no intention of sending you anything.

 

They have misunderstood the concept of providing their evidence so you can file a defence.

 

This is not a CCA request – there is no requirement for ANY fee – so they are talking crap.

 

You cannot properly file a defence without their compliance.

 

Here’s the instant reply you need:

 

Dear Tossers

 

I write with reference to your letter of XX Nov 2011.

 

Please note that it is a legal requirement for you to comply with my valid CPR 31 request. You clearly do not understand the legal protocols, judging by the content of your letter, which will be shown to the court. Further, as this is a CPR request and not a CCA request under section 78 of the CCA 1974, there is no fee payable.

 

You should be fully aware that I am entitled to sight of the documents on which you seek to rely in court in order to defend your claim.

 

Please supply the documents requested by return, failing which I shall be applying to the court for an order forcing you to disclose the documents requested. This cost will be borne by you if you fail to cooperate.

 

If you fail to respond to this letter within three days, or do not agree to a time extension in writing, I shall have no alternative but to seek such a court order.

 

Yours sincerely

 

Mad Bugger

 

Why bother if it is over 6 years since last payment as it would be statute barred?

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Weird...I posted this ages ago and it has just appeared... wtf?

 

Very odd indeed!

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have just looked at those figures again.. lol.. sorry.. I think they might just have added an extra '0'.. but I agree, it is very misleading and extremely scary !!

 

I'm glad you noticed their mistake, I faxed the letter you posted regarding it taking 6 weeks to get the docs and I will call them tomorrow.

 

Truth being told I know that they can't have the so called credit agreement they base their claim on because as I've said before this is for an old current account that DID NOT have an overdraft it did in 2002 but that was cancelled in 2003 when I took out a loan.

 

Time will tell, I'll post what they say on the phone tomorrow but I've already got a N244 form ready (but not filled in) in case they will not comply.

 

Thanks to all who have posted Replies it releives the stress caused

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The plot thickens after speaking to Fairfax regarding an extension of time, they have said it will take them up to 6 weeks to get the items in POC after querying this they said they are not in posseseion of the documents and they will suspend the court claim unitl they have them and then allow me 14 days after that to inspect them and do my defence, they also said I do not need to do anything as the court will not act without their say.

 

I've asked for this in writing so I can inform the Court myself.

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That’s a fib. They either withdraw the claim or it is stayed. It is NOT up to them to tell the court to wait – you can object. I would suggest you seek an unless order demanding the documents within 14 days. Anything else is highly prejudicial to you – they issued the claim, you demand finality. How on earth could they state their claim was honest when they did not have the facts to hand? Massive abuse of process.

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I agree with DonkeyB

 

This is an utter farce and it is simply not up to Fairfax to say what will happen.

 

If you dont receive the letter from them by Wednesday, then I think you need to think about entering a negative defence which will not look to good for them or to submit an application for disclosure and time.

 

When is D Day for the defence ?

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You are unable to plead as the claimant has failed to comply with your request for documents mentioned in the claim. Your ‘defence’ would exhibit their letter of refusal to submit documents under CPR, and you would ask the court to order disclosure or strike out the claim, or at least to allow you to enter a defence when the documents are provided. We used to call it an ‘embarrassed’ defence, but that’s dangerous if not done properly.

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You are unable to plead as the claimant has failed to comply with your request for documents mentioned in the claim. Your ‘defence’ would exhibit their letter of refusal to submit documents under CPR, and you would ask the court to order disclosure or strike out the claim, or at least to allow you to enter a defence when the documents are provided. We used to call it an ‘embarrassed’ defence, but that’s dangerous if not done properly.

 

Thanks again, if I do not receive the letter I will let you guys know on here and with your help I think I may have to go down the N244 route for extension of time and a disclosure of documents, I presume getting the N244 to them just before the deadline will be OK .

 

My take on all of this seems to be that they have put the claim against me with no real evidence hoping I would admit the claim thus them not having to show any proof of the claim, but as I'm defending they are now stalling to get a default judgement rather than reveal their hand (7 & 2 worse hand in poker).

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You are unable to plead as the claimant has failed to comply with your request for documents mentioned in the claim. Your ‘defence’ would exhibit their letter of refusal to submit documents under CPR, and you would ask the court to order disclosure or strike out the claim, or at least to allow you to enter a defence when the documents are provided. We used to call it an ‘embarrassed’ defence, but that’s dangerous if not done properly.

 

Thanks again, if I do not receive the letter I will let you guys know on here and with your help I think I may have to go down the N244 route for extension of time and a disclosure of documents, I presume getting the N244 to them just before the deadline will be OK .

 

My take on all of this seems to be that they have put the claim against me with no real evidence hoping I would admit the claim thus them not having to show any proof of the claim, but as I'm defending they are now stalling to get a default judgement rather than reveal their hand (7 & 2 worst hand in poker).

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New letter arrived here is what has been written.

 

"Further to our telephone conversation today, we confirm thst this matter will be placed on hold until we have provided you with documents you requested in your letter dated 29th October 2011 and you have had reasonable opportunity to respond"

 

Thoughts ?

Thanks

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I don’t think the court will accept an open-ended delay.

 

I think you’d be better off putting in a limited defence, to which they would have to respond in 28 days.

 

That will either make them move, or bring the stuff out of the woodwork.

 

The alternative is still to put in an N244, because that proposal is unreasonable, in my opinion. They should not have litigated without knowing the facts.

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So that letter is in response to your CPR15.5 request for more time ?

 

What type of solicitor is this Fairfax firm ?

 

When is your defence actually due to be submitted? Do you have time to make application for time and disclosure via N244 ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So that letter is in response to your CPR15.5 request for more time ?

 

What type of solicitor is this Fairfax firm ?

 

When is your defence actually due to be submitted? Do you have time to make application for time and disclosure via N244 ?

 

Yes is this their response, no idea they are representing Arrow Global.

 

Deadline day 15th November

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