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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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Wrote to my MP - Capstone/Acenden


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Hi

Stephen you left me a PM to get in touch re my thread on our repossession hearing with Ascenden on 2nd March. I can't reply as I don't have enough threads yet - are you able to reply to my thread with any help you think we would need prior to the hearing please? My log in name is now windowbox. I think my thread is called SPML/Ascenden repossession hearing 2 March 2011.

Thanks D

 

Hi there , sorry to take so long to respond, but been busy with work. I will respond more fully with advice tomorrow.

 

Stephen.

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What makes you ask that question Stephen ?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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The question I would like to ask is.Has anyone who has complained to the FOS about unfair arrears charges levied by capstone/acenden ever actually got a positive result and had these charges refunded.

As regards Stephens query,this seems to me to be the right question to ask why in the light of the gmac findings have this lot escaped any sort of censure whatsoever and are still ploughing on with impunity with fairy godmothers PWC majority shareholders?.The FOS seem to think by all accounts that their charges are reasonable according to several negative reported decisions despite the gmac findings whose charges were actually less!

Here posted and highlighted again and all apply to Acenden in bucket fulls.

 

2.3.

The firm breached Principle 6 during the Relevant Period in that it failed to pay due regard to the interests of its customers and treat them fairly. In particular, the following failings were identified in that GMAC:

(1)

failed to ensure that mortgage servicing staff had an adequate understanding of and implemented the requirement to treat customers fairly in handling its mortgage arrears and repossessions;

(2)

until late 2008, focussed on the collection of payment of arrears over a short period of time within fixed mandates, rather than always establishing a suitable arrangement based on the customer’s individual circumstances;

(3)

applied certain charges to a customer’s account that were unfair in that they did not accurately reflect the actual cost of administering an account in arrears;

(4)

had not arrived at a cost-based approach to the calculation of its arrears charges and therefore could not be sure that they were reasonable compared to the actual cost incurred;

(capstone that was actually stated to the Mail that they had no idea of how the figure was constructed!Northern Rock seemed to think a fair charge was £25 )

(5)

caused some letters to be sent to customers that were either factually inaccurate or did not contain sufficient information to give customers a clear and accurate statement of their mortgage account; and

(6)

sometimes issued proceedings for repossession before all alternatives to repossession had been considered and accordingly, did not always use litigation only as a last resort.

2.4.

The firm also breached MCOB 12.4.1R and 13.3.1R in relation to the facts described at paragraph 2.3 above.

2.5.

 

 

 

 

Can anyone tell me is Price Waterhouse Cooper blocking action against Capstone/Acenden ?
Edited by peterjm
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The question I would like to ask is.Has anyone who has complained to the FOS about unfair arrears charges levied by capstone/acenden ever actually got a positive result and had these charges refunded.

 

 

In my own opinion Peter.....big fat NO!!

 

18 months I waited for an adjudicator, who basically stated I shouldn't have got in arrears in the 1st place, & they thought the arrears/charges etc were fair & that I would have to put up with it & just get my arrears paid off,then I wouldn't incur anymore charges.

 

They are a waste of space & government money.

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Well LD thats pretty conclusive from the site founder.So the £60-£85 charge is fair according to the fos then despite the gmac finding and despite the Northern Rock's admission that the real cost is £25 and despite that in litigation numerous judges have deferred to the fos stating these charges are ludicrous and expecting them to be refunded.

So who's leaning on who

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As above you really do have to slog it out and keep pressing. Send everything you get in the mean time and don't expect an adjudicator to come up with an answer because they don't. You have to keep appealing and take it as far it will go. They will make offers of compensation but just turn them down in favour of all the charges wiped off.

 

They did apply charges on my account afterwards and after speaking to the Fos they were quickly removed as the Fos said we were free to start another complaint and any future charges would be looked at dimly in light of the previous 'win'. A copy of that letter was sent to Capstone and they quickly adjusted the account and have not charged anything since then.

 

I think the case would have been over within 18 months if it weren't for that fact that it was Capstone/SPML that kept appealing when it was decided in my favour. I know mine isn't the first win as they whinged in their defence that they were being continually picked upon by the Fos and it wasn't their fault and the charges were fair in their opinion. Obviously the Fos begged to differ. They can ask for all the information they like and if it's not provided then it shows a complete lack of cooperation by Capstone for a system of mediation to prevent court action.

 

It may have helped that I left the initial complaint to the Fos fairly open on the charges AND the general conduct of the account. All I asked was to be treated fairly and to have the account conducted in a proper manner. I kept in touch with them throughout and highlighted and copied all of the statements, threatening letters and mistakes that SPML made continually over those 2 years the case was being looked at.

 

I can't say this often enough, but you really do have to dig your heels in and not take 'No' for an asnwer whatever they try to throw at you.

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We were repossessed by this **** last August same scenario in arrears most of it charges then wanting a lump sum when knew we had no chance of paying it. Wish I had done a lot more but never been through this before should of got more advice and hit them where it hurts too late now .

 

Hi Roxy,

Sorry I havn't replied sooner. I would like to know how to claim the fees back. Maybe we could do it in conjunction.

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Hello everyone,

 

 

Bearing in mind that the fos appears to be unwilling to deal with Capstone/Ascenden and their affiliates, it really does beg the question of how and why they are getting away with this.

 

The lack of action would invariably lead to questions of corruption on the part of the fos, and dare I say the possibility of backhanders being given to members of this quango like organization cannot be ruled out. ALLEGEDLY, of course.

 

Some may not like to here this, but one thing I do know about human nature is that greed often overcomes moral scruples, when there is an easy buck to be made, and remember of course Ascenden are derives from the Lehman brothers group and we know what happened to them

 

I look forward to replies.

 

Stephen.

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I didn't have any problems with the FOS and they are aware that Capstone and SMPL are cowboys. The problem, I think, is that people aren't grabbing the bull by the horns, making the complaints and seeing them through. They think it's easy.. it's not. You can't send a pile of papers off to the FOS and expect them to sort it all out or understand when you've only given them a few lines to go on.

 

'I don't like the fees they charge so you can deal with it and the few letters I've provided should be enough for me to win'. It doesn't work that way! It may take a while but you do get disclosure and time limits just as you would with the courts. You don't get an automatic right to appeal with a court but you do with the FOS and still have that option to take it to court.

 

If you feel strong enough about something you will win but you have to be dedicated 100%. It's somewhat in the past for me now but having to sit for hours on end just going through all the figures and their letters paragraph by paragraph was mind numbing but it had to be done.

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Unless you are defending a court claim I don't think you'd get anywhere with legal aid, but you can use any legal protection you may have on insurance for advice. If they are trying to claim then Community Legal Services can give some sound advice and pass you onto a solicitor than can put in some hours to help even if you don't fully qualify. I used them and they were great. They did more than what I could have ever expected of them.

 

You shouldn't need legal aid if you are going through the FOS as that should delay any court action through the mediation, even though sadly, you have already been evicted. I guess they are trying to get to get you cough up the fees and charges still owing. What a nightmare that must be and I almost wish I'd have gone through that myself so I could help you more. I haven't, so all I can tell you is about the FOS and how to deal with any court action.

 

My OH reminded me today just how much the FOS helped us. We were away in Denmark for a while and the Ombudsman..I'm not sure I should give her full name but for this purpose it was Jan. ..She gave me a direct dial number and answered every question, called me back and I can't praise her enough for what she did.

 

BF has a point but I think everyone needs to work out what they want. For me it wasn't money or compensation. I just wanted to feel safe in my home without it being snatched away on some false claim and greed. And I was happy with that ..no amount of money they could ever have offered would make good the damage done.

 

Do the basic online form and don't make it too long. Just give a brief outline that covers all you have to say. You can add everything else later in more detail.

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  • 9 months later...
They now only want to know because it is newsworthy, that is why. There is no consipracy theory here, just the basic fact that ALL lenders have shut the stable door without bothering to find out any further ways of dealing with issues and these companies are proliferating and profiting from others misfortune.

 

Get your MPs reply over to Stella Creasey, she is dealing with this at a high level now and is the MP to watch out for. Her office has contacted me several times now about issues and I am passing on the information to her when I have permission from the original poster.

 

Sometimes being pessimistic about the issues helps keep them 'under wraps', speaking out and naming and shaming these shark companies is one of the better ways of bringing them into disrepute - as is continually complaining about every breach of the OFT Guidelines on debt collecting, spelling out exactly what breach has been made and in what way.... that helps the OFT build a far better portfolio against these companies.

Hi

Was interested in your response.

I had written to my MP via his researcher on numerous occasions, regarding the appalling dealings with Capstone/Acenden. I had told my MP. what had happened to us from the onset of obtaining a secured loan of £1000.000 plus PPI on our property, to unfortunately the eventual repossession. Nothing concrete came back regarding what actual fundemental steps to do next. Basically he only mentioned contacting the FSA (which I had already done via a complaint, regarding the failings of the FSA and their MCOB rules not being implemented, and also the Ombudsman which I had done already). I do have the final letter from my MP, so would very much like to get in contact with Stella Creasey.

By the way, our case was highlighted in the Financial Mail on Sunday's edition in September 2011.

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Hi 42man

 

Yes, thanks for that, absolutely disgusting. That's putting it mildly. Seems Southern Pacific have the highest fees, and still slip through the FSA net. Getting away with their appalling handling charges/fees; etc;etc. The question is WHY are they getting away with it ?

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