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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.  
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    • 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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Credit Security Ltd old Lloyds credit card debt - now robbersway.


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Hello

 

I had an original credit card debt with TSB about 16 or 17 years ago, when my business was terminated.

 

Because of my circumstances I agreed a monthly repayment of £1.

 

After sometime I found I was having to make the payments to Credit Security Ltd and I am still doing so.

 

Some years ago I suggested making a single payment of a substantial sum (but less than half the debt),

which would be far more than they will ever receive in my lifetime at a rate of £1 per month.

 

they refused the offer.

 

With postage of 50p I really want to bring this to an end but I cannot repay the total and will have to look to others (possibly) to make up an offer.

 

I really don't know how best to do this.

 

Can anyone help, please?

 

PS I am a pensioner and not able to access much in financial resources.

 

Kind regards

 

Tony

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Well, SB status is out of the window.

 

Stop payments and send them a CCA request. It really sounds like you are being cashcowed and have been for years. Especially if they are content at £1 a month and have been for years. Infact, since its to a DCA, chances are they have no chance at getting the original agreement due to the time elapsed.

 

Check your credit file. Its pretty much guaranteed that the debt wont be on there, as it would have been removed over 10 years ago. But its worth it incase the DCA is pulling tricks.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You've paid enough already, IMO I would stop paying NOW!

 

They're conning you into buying their tea and biscuits, I would be extremely surprised if this is going toward paying off the actual debt.

 

Stop paying, CCA request which costs £1 postal order.

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The debt has most likely long been forgotten about/deleted/written off. As BB said, it is going straight into the pockets of the DCA. It might not seem much, but figure a ton more people paying £1 a month and theyre making a tidy profit for no effort. You are pretty much gifting them money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Absolutely agree. CCA is the way forward and stop paying. If it's from the late 90s almost certain that no enforceable agreement will be available. If there is go back to a quid a month,possibly by standing order to save on the postage.

Any opinion I give is from personal experience .

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  • 3 weeks later...

I followed the standard advice of requesting a CCA and Credit Security Ltd sent the following reply:

 

We confirm we have requested a copy of your Credit Agreement which will be forwarded

to you as soon as it is available.

However, as the above debt has not previously been in dispute, kindly confirm whether

you acknowledge opening the above account in your own name, using our clients services

and the balance according to your records.

If you are disputing the outstanding balance or believe that the account has been

the subject of fraud, kindly provide full details to enable our client to investigate

this matter.

 

I feel wary about answering their specific questions in case they commit me to anything. As I have been paying them for years, it seems unlikely that I did not recognise the debt.

 

Can you advise me on the next step to take? I feel inclined to send a non-specific response.

 

Thank you.

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Fully agree with the above posters. THey are trying to get you to give them info as they dont have any themselves. Wait the 12+2 days and send them the non compliance letter so you can throw the account into serious dispute.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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However, as the above debt has not previously been in dispute, kindly confirm whether

you acknowledge opening the above account in your own name, using our clients services

and the balance according to your records.

If you are disputing the outstanding balance or believe that the account has been

the subject of fraud, kindly provide full details to enable our client to investigate

this matter.

 

How hilarious!

These fools are trying to get you to commit in writing evidence that they will use against you, do they really think we all came down in the last shower?

 

This is further evidence that you should stop paying, they are squirming and worried that they are going to lose their regular income.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

As you see, it is now early May and I have just had another reply from Credit Security Ltd. They apologise for the delay in sending the Credit Agreement and will forward it as soon as it is available.

 

Surely it must be available for them to be able to collect any debt from me, what do they mean? Do I now contact Trading Standards through Citizens Advice Bureau?

 

Thank you for all your help and advice to date.

 

Tony

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No reply to a CCA in 12+2 days, send the in dispute letter and ignore anything from them unless its a valid CCA.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Personally as they are telling you they haven't got it yet i would not even waste the postage.

No harm in sending it though as a paper trail. I would bang it off by email,keeping a copy.

Any opinion I give is from personal experience .

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You need to send the dispute letter to legally put the debt into dispute.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I would always send the dispute letter after the 12+2 days if no cca available. It makes the dispute formal. I don't trust dca's, and some of them have dodgy tactics to say the least. A paper trail is good to have. Its your call but I prefer to dot the i's etc.

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I would always send the dispute letter after the 12+2 days if no cca available. It makes the dispute formal. I don't trust dca's, and some of them have dodgy tactics to say the least. A paper trail is good to have. Its your call but I prefer to dot the i's etc.

 

Fully agree. You need to make sure you cover all your bases so you dont give the DCA ANY wriggle room at all.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yes, if no response to a statutory cca request, whilst technically not required, send a 'dispute' letter/email to suit reminding them that they have failed in their statutory obligation. let them come back on it.

Edited by Ford
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So send them a 'failed in dispute' letter then? :noidea:

 

YES send it, 2nd class and obtain 'proof of posting' which is free from the PO counter, this is "purely" for your own evidence, NOT theirs, they don't read your letters anyway.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:) i used 'dispute' generically. but, technically a 'dispute' is re the amount owed being disputed. whether that also be re liability or not? failure to comply with statute is a different matter.
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You need to send the dispute letter to legally put the debt into dispute.

 

I'm sorry - I should have explained that this latest letter from Credit Security came after sending them a dispute letter - using the appropriate template.

 

I have also, now, sent a message to CAB outlining what has happened, as they are the route to Trading Standards. I hope I'm doing the right things.

 

Thanks again, ALL of YOU, for your interest and comments.

 

Tony

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It's me again. The letter I sent Credit Security was a "Failure to Comply" letter. I guess that is different from a "Disputing the Debt" letter.

 

Tony

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