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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. 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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Cap1 & CCA return


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Guest Battleaxe

I have to agree, this thread contains pertinent information to our claims regarding banks charges. Without the CCA we cannot back our claims and prove the breaches which banks repeatedly ignore. Perhaps one of the MODS could create the relevant stickies, to help Newbies with their questions. I don't mind helping Newbies with their questions, as I was one once, maybe the MODS help more with this function also.

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can I add my twopence worth and I think its been said before, a sticky for the main points would be fantastic! maybe a template letter, I have used the PPI letter and amended it for other charges but was worried I had also weakened it in some way by 'fiddling' with it!?

 

this is a wealth of info but it is large :):):)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Pam i know you are busy, and i dont like asking direct questions, but

 

can you just have a look at my thoughts in this post

 

is there ANY mileage in anything ive written

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-780736.html

 

Dave

 

OOH Dave,

thats interesting!!!

 

I've just checked my micrfiche signature form, the torn of bottom part of the application from that MBNA sent me in response to my CCA 1974 S78 request and...yes, it does show my signature and date 25/07/2001. However MBNA's stamped signature goes right through the DPA important information but the date is 08/08/2001.

 

I don't suppose it makes much difference in my case as the doc. that I was sent does not show any credit limit/amount of credit, it also lacks many of the prescribed terms.

 

Anyhow, I have reported MBNA to TS and they have forwarded my complaint regarding MBNA being in Default and thus have committed an Offence to Chester TS for investigation.

 

It would appear that TS are reluctant to use their enforcement powers, but I find it interesting that anyone complaining to their local TS about MBNA, will in turn have their complaints forwarded to Chester.

 

AC

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Guest Battleaxe

AC,

 

I would love to be a fly on the wall when TS has it's monthly meeting with MBNA to discuss these matters. Looks like the meetings aren't very productive. I know this is subjective, but if TS are reporting the complaints MBNA, why hasn't MBNA taken heed?

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Maybe because there is no dis-incentive for their actions.

Its like being at school.

You mess about in the playground, and a prefect comes along and tells you 'You shouldn't be doing that'.

Once the prefects back is turned , you stick two fingers up, say 'what do they know' and carry on.

 

the regulatory bodies are not geared up or prepared for a consumer revolt, nor are the courts. What is happening now is that the consumer has gained more teeth in a shorter space of time, than 100 years of authoritarian dictatorship and monopolisation of regulation (phew-did I say that?)

Maybe we should take the regulatory body(ies) to court/task for non compliance of their fiduciary duties?

Now that would be interesting. (expensive but interesting!)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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If a document fee is included in the total amount payable but interest as been charged on the fee. Could the fee be construed as credit?,

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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If a document fee is included in the total amount payable but interest as been charged on the fee. Could the fee be construed as credit?,

 

If the fee is provided in the total credit amount, then yes IMO!

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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If the fee is provided in the total credit amount, then yes IMO!

 

A term in the agreement states: the document fee will be debited to your account on the day the credit is first drawn and interest as been aplied on the fee and is included in the interest as stated above.

 

I think the creditor is guilty of mischief by charging the account with interest on the fee. This IMO is credit, threfore the amount of credit as been incorectly stated.

 

I have a copy of the original agreement given to me at the time but the creditor has a copy with a line through the document fee making the fee void. The creditor is forwarding the agreement through a CCA request. Interesting.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Maybe we should take the regulatory body(ies) to court/task for non compliance of their fiduciary duties?

Now that would be interesting. (expensive but interesting!)

 

7-day LBA for £30 billion to the OFT for negligence. Roughly £4bn for each year it has had the ability to retaliate against the use and enforcement of unfair terms in consumer contracts. I dare you. :p

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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LMAO - meagain....

 

Is there a template for that? :o

 

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Zubo and meagain - I'm up for it if you are!

 

....Perseus throws down the Gauntlet, uncertain of what the hell he's letting himself in for...

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Let's do it!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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7-day LBA for £30 billion to the OFT for negligence. Roughly £4bn for each year it has had the ability to retaliate against the use and enforcement of unfair terms in consumer contracts. I dare you. :p

 

I REALLY WISH...somebody would do that!!

Maybe, WE can.

Count me in.

 

AC

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Sorry to ask what could be a stupid question.....

I have 2 loans with EGG and 1 credit card....

My experian report lists 3 loans instead of the 1....

If I do a CCA request does it cover all Agreements held by egg for all loans and the credit card??

Or do I need to do one for each??

Problem is as un1boy knows already....Egg have listed the one loan 3 times, all with different terms, monthly repayment amounts and different loan amounts!

2 of these are listed as settled.....one of the settled ones is the correct information.....for the actual loan I took out!

So if they cannot supply the CCA for the ones they made up??

Does that mean they are unenforcable????

i thought I would ask as Tamadus and Un1boy seem to be full of good info....lol

Cheers....

Russ

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Sorry to ask what could be a stupid question.....

I have 2 loans with EGG and 1 credit card....

My experian report lists 3 loans instead of the 1....

If I do a CCA request does it cover all Agreements held by egg for all loans and the credit card??

Or do I need to do one for each??

Problem is as un1boy knows already....Egg have listed the one loan 3 times, all with different terms, monthly repayment amounts and different loan amounts!

2 of these are listed as settled.....one of the settled ones is the correct information.....for the actual loan I took out!

So if they cannot supply the CCA for the ones they made up??

Does that mean they are unenforcable????

i thought I would ask as Tamadus and Un1boy seem to be full of good info....lol

Cheers....

Russ

 

Russ

 

Under these circumstances I would 'help' EGG.

At £1 each +£1 recorded - send them a CCA for each spelling out the account numbers....

 

then they really cannot muddy your waters

 

Z

[sIGPIC][/sIGPIC]

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I would.....but three of the listings on experians documents have no reference numbers, etc...

only 2 loans and 1 credit card are known to me....

The 3 remaining that EGG listed are made up by Egg....

So I do not know how to ask for copies of the CCA's, if neither of us have any loan agreement numbers, etc.....

They list the loan I actually signed up for as settled on the same day I took it out.....lol

Rather than list as defaulted they just listed my repayments as a new loan!

My bloody head hurts again.....lol

helllpppppp....lol

russ

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Sorry to ask what could be a stupid question.....

I have 2 loans with EGG and 1 credit card....

My experian report lists 3 loans instead of the 1....

If I do a CCA request does it cover all Agreements held by egg for all loans and the credit card??

Or do I need to do one for each??

Problem is as un1boy knows already....Egg have listed the one loan 3 times, all with different terms, monthly repayment amounts and different loan amounts!

2 of these are listed as settled.....one of the settled ones is the correct information.....for the actual loan I took out!

So if they cannot supply the CCA for the ones they made up??

Does that mean they are unenforcable????

i thought I would ask as Tamadus and Un1boy seem to be full of good info....lol

Cheers....

Russ

 

Hi Russ,

 

Now that is very interesting!

I have a cc with Humpty Dumpty (in dispute)

However, upon making an audit of my CRA credit files I found four entries, but one was shown as settled. Therefore, it looks as though I have had four Egg credit cards?

I considered long ago that my Egg information as shown on the CRA files was ambiguous, thus could give the wrong impression.

 

Make a Request under S77 & S78 of The Consumer Credit Act 1974, you only need to make one request, but remember to enclose a £1 postal order.

 

This matter hasd been troubling me for some time now, because undoubtedly egg will provide you with a copy of the true signed executed agreement but...and this is the crux of the matter, there is an issue here re: S85 CCA 1974 and Copies of Cancellation notices copies of Docs 1983, regulatation 7.

 

Most likeley I am barking up the wrong tree but I do smell a very rotten egg!!

 

AC

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Cheers angrycat,

I did a CCA request on 13th March 2007...

As yet No reply from EGG.....

But Moorcroft supplied a copy, with no assignment proof....

So I am now ignoring them.....

As they have no hold over me.....only EGG if they actually supply the agreement....lol

Moorcroft have only supplied the agreement for the original loan....

If EGG have told Experian and Equifax that it is settled, as they have done!

I guess they have No agreement for the new loans they listed with the CRA's.....

So I could argue that the genuine loan was settled.......lol

And dispute the one's they cannot prove exist....??

Or they will have to admit supplying CRA's with false information????

russ

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Just a quick question everyone.

 

Now, I know that an overdraft doesn't come under the sec 77/78 requests, but, if a lender takes you to court over an od balance and they have no paperwork to prove you even opened the account, can they actually take action against you? Or, would they have to provide paperwork in court?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Just a quick question everyone.

 

Now, I know that an overdraft doesn't come under the sec 77/78 requests, but, if a lender takes you to court over an od balance and they have no paperwork to prove you even opened the account, can they actually take action against you? Or, would they have to provide paperwork in court?

 

 

They don't need to provide paperwork to the court that an account as been opened just a POC stating the balance owed. It is up to you then, to admit or dispute the balance.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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They don't need to provide paperwork to the court that an account as been opened just a POC stating the balance owed. It is up to you then, to admit or dispute the balance.

 

Paul

 

To take this one step further: say this was a JOINT account with an OD, one joint account holder declares bankrupt, the other one not. The non bankrupt one is taken to court by the bank and disputes the amount and forces a full proof trial

Would the bank have to provide the original paperwork from when the account became joint to show joint liability, i.e. that the non bankrupt person signed for a joint liability on this account ?

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This is probably off topic but......am battling with Mint (my thread is Mint Triton Green & Co vs Me and this and a longer version is on it too), who are digging their heels in. In reply to my CCA, they sent me a copy of my application form (no credit limit, no APR, no account number, a stamp of a MINT 'authorised signature' etc.) and then a 2 page unsigned, undated agreement (with my name, address, account number, credit limit - tho it was only sent in response to the CCA, not when I rec'd the CC), which I am challenging. Letters are flying back and forth and here is an excerpt from their most recent response:

 

'under 7(1) (b) of the Consumer Credit (Cancellations Notices and Copies of Documents) Regulations 1983. Particularly 3(2) which permits the copy agreement not to show signatures or personal details that may have appeared on the application part of the document. There is no statutory requirement under the Act for us ever to give a copy to the customer with a signature on it'.

 

Is there any precedent in refuting this? If MINT is correct, my argument dissolves....or must they produce a signed copy if it goes to court? thanks in advance.....

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