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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.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
    • 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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barclaycard account (formally EGG) agent keeps harrassing me!


confusedbunny
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I have a credit debt with EGG, who now been taken over from Barclaycard.

 

I had their agent "Credit solutions" call me pressuring me for payment,

I refused and said i can only make token payments like i have been to EGG.

 

They kept calling me and then advised me to explain in an email to them a breakdown of my I & E,

I did this and explained that they will get the same as my other creditors and not to call me again

and to just give me their bank details to make the payment..(i have sent them approx 4 emails)......

 

Last week, I then get a letter from another company saying i must contact "credit solutions" within 7 days to clear the debt as they have not heard from me, what a lie!!

 

what do i do now?

 

I cant make token payments to Barclaycard or credit solutions as no-one is giving my bank details to make such payment :(

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tough for them

either they want your money or not.

 

you should NOT be sending pers financial details to anyone bar a judge!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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load of borrocks!

 

i take it you are talking to creditors or DCA's on the phone???

 

bailiff can ONLY ever be involved

 

if

you've been taken to court

 

got a CCJ against you

 

fail to pay the CCJ

 

and even then they get the juges authority.

 

all these debts ARE on your cra file aren't they?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thank you so much! I am not sure who they are, credit solutions ltd

 

http://www.creditsolutions.co.uk/aboutus.html

 

I think they are DCA's , not sure what the difference is.

 

I got my credit file and this is the only debt that is not on there from experian, could it be on a different credit file?

 

any debt, they cannot send bailiffs until they have taken me to court and i have failed payment?

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yes!!

 

if its not on your cra pers i'd ignore them!!

 

CS are well know for fleecing tactics.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh really!!?? But they said i must or they are sending bailiffs, is this untrue? should i ignore them now?

 

 

Do you have this in writing?

 

Do you know if CRS are the new owners of the account or are they simply collecting on behalf of EGG.

 

Either way, if you were in an acceptable payment arrangement with EGG then CRS are obliged to continue to accept until any review date.

 

When they make silly statements such as "We have not heard from you".. what they are saying is..

 

You have not telephoned us so we can make your life a living hell.

 

A short note in return could be along the lines of..

 

Dear Sir or Madam,

 

Account references.

 

I am surprised at your latest communication which claims that I have not contacted you.

 

We both know this is an untrue statement!

 

Prior to your involvement, there was an arrangment for a reduced payment, with EGG. I expect you to honour that arrangement.

 

You will of course be aware that your behaviour is in breach of OFT guidelines.

 

Yours faithfully.

 

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Hi Confusedbunny,

 

Don't let these chancers wear you down.

 

CSL have no right to demand that you do anything really. If they or BC have failed to respond to your requests for paying-in details, that's their problem.

 

Keep everything in writing only and don't speak to them.

 

If CSL continue to play up, you could always send them a CCA Request. That should be interesting if they have no credit agreement.

 

Let us know how this goes.

 

:wink:

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  • 5 years later...

I still have this credit card debt of approx. £5,500.

 

I wrote to them to request my debt be written off under medical grounds.

 

I have sent supporting evidence of my long-term, incurable medical issues.

 

They are still refusing to write off the debt & will be in touch 'from time to time',

 

I explained that it doesn't make it any easier in regards to making my mental health issues worst, my situation isn't going to change & as the debt still exists despite them not taking action at this time, this has also fell on deaf ears.

 

Where do I go from here?

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has anything else happened in the 5 years?

are you token paying, or is it now possibly statute barred

did you do the cca request (if they can't fulfill that, that might help them bog off)

has a formal complaint been in, and then on to the fos. (there are newer ish rules around regarding helping people in such circumstances)

etc

post back, cag will help

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