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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
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      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
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      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

father passed away leaving BC debt - they wont pay funeral costs first...

andymr

By andymr
in Barclays Bank

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andymr

andymr

Posted
Posted

I'm helping someone to sort out the affairs of her dead father.

He has £2,000 in his current account and has a credit card debt of £3,000 all to Barclay's Bank.

 

Barclay's have send her a letter to sign that clearly states that they will only pay her after they have been paid. Which would mean that there would be nothing to cover the funeral costs.

 

The way I see it is that she as the Administrator of her dead fathers estate should be able to get this money with no strings attached to cover the funeral costs.

 

Barclay's credit card should not have any preferential treatment and should be treated the same as any other creditor.

Can anybody advise me about this.?

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BankFodder

BankFodder

Posted
Posted

I think that you will be able to assert funeral costs as a priority commitment.

Send them a letter of appropriation. It doesn't only apply to benefit payments. Because Barclays are greedy, stupid and dishonest, and given the urgency, add to the letter of appropriation a paragraph which makes it clear that if there is any funny business from them on this issue that you will complain to the Ombudsman and also that you will consider that it is a breach of their duty to act fairly under BCOBS.

I suggest that you try and deliver this letter personally to the branch manager and explain to him clearly what it is all about so that there is no "error" of understanding or that there is no accidental mislaying of the letter.

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unclebulgaria67

unclebulgaria67

Posted
Posted
I'm helping someone to sort out the affairs of her dead father. He has £2,000 in his current account and has a credit card debt of £3,000 all to Barclay's Bank.

Barclay's have send her a letter to sign that clearly states that they will only pay her after they have been paid. Which would mean that there would be nothing to cover the funeral costs. The way I see it is that she as the Administrator of her dead fathers estate should be able to get this money with no strings attached to cover the funeral costs. Barclay's credit card should not have any preferential treatment and should be treated the same as any other creditor. Can anybody advise me about this.

 

I think Barclays are being a bit sneeky here. The letter they are sending her to sign is basically asking her to confirm that the money will only be released if they are paid their debt first. As administrator of the estate, as you say she would have responsibility of ensuring priority debts are settled first.

 

It may be worth contacting the Money Advice Service or National Debtline for further advice on this.

 

https://www.moneyadviceservice.org.uk/en/articles/dealing-with-the-debts-of-someone-who-has-died

 

https://www.nationaldebtline.org/EW/Pages/default.aspx

 

Money Advice Service is open to 8pm tonight !!!

We could do with some help from you.

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AndyOrch

AndyOrch

Posted
Posted

Thread moved to the appropriate forum.

 

Regards

 

Andy

We could do with some help from you.

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Lilythepink

Lilythepink

Posted
Posted

When my mum died, the Nationwide tried the same thing. I sent them a letter of appropriation, telling that the money was needed to pay for funeral costs, and utility bills.

 

Cahoot was the same, they asked for a death certificate and they wrote off over £8000

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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slick132

slick132

Posted
Posted

Hi Andy,

 

Do you know if the Dec'd had any other bank a/c's, savings or assets.

 

If not and the bank a/c is the only money the Dec'd left, you'll need to be very assertive with the bank, They may well seek to treat the bank a/c funds as their's to set against the BC debt.

 

:-)

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andymr

andymr

Posted
  • Author
Posted

Hi Guys

Thanks for advice.

This is the only money the deceased had. My view is that the current account balance has to be passed over to the Administrator of the estate after which the creditors will be ipaid. The first creditor is the Funeral company and Barclaycard is second. Therefore Bcard gets nothing.

I will talk with Barclays on Tuesday after hols.

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slick132

slick132

Posted
Posted

Hi Andy,

 

Do NOT simply talk to the bank. Take the manager a Letter of Appropriation confirming that funeral costs are a priority debt and that Barclays must not use any funds to set against the Barclaycard account.

 

Personally, I would not get involved with the discussion about who are the first and subsequent creditors. For all the bank knows, there may be other funds and or assets that the BC debt could be paid from.

 

Do your best to speak to the manager if you can, but don't be surprised if the staff make it difficult.

 

:-)

We could do with some help from you

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andymr

andymr

Posted
  • Author
Posted

No go with the Barclays,

Staff in branch Don't know anything.

 

Put me on the phone to their Barclays Bereavement Centre who still insist that the £2K in the deceased's current account will go against the £3K Bcard debt.

 

Gave them the letter of First Appropriation nobody knows what it means.

Told them it meant that they got to give us the money.

 

Sending copy of the Letter of Appropriation direct to the Barclays' Bereavement centre (rob the dead centre).

 

Next will draft letters to Banking Ombudsman and BCOBS.

 

Could dNo with some media help. Anybody working for the press/TV news etc?

 

Who is the head guy in Barclays and his address?

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BankFodder

BankFodder

Posted
Posted

Please check your email and pm box in about 30mins for a message from a journo who would like to speak with you.

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BankFodder

BankFodder

Posted
Posted

Please check your email or spam folder now

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slick132

slick132

Posted
Posted

Disappointing but not surprising !!

 

CEO is Antony Jenkins and you can write to him at the London HQ listed here - http://www.consumeractiongroup.co.uk/forum/showthread.php?208-Email-or-contact-details-for-Barclays(1-Viewing)-nbsp

 

I'm not sure the media will be so keen on this story. Clearly the Dec'd owed the money to the BC a/c. I hope others will comment if they disagree.

 

I would certainly make an urgent phone complaint to The FOS seeking immediate intervention, to stop BC taking the money from the bank a/c of the Dec'd. Follow it up in writing asking for urgent intervention.

 

:-)

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andymr

andymr

Posted
  • Author
Posted

Just to say Barclays have called to say they now willing to pay the money to a funeral company. Bit of a change of heart.

I wont believe it until they pay it. So far so good.

Thanks to my friends on the site for their advice.

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slick132

slick132

Posted
Posted

That sounds more like the usual arrangement, where the bank can pay money to a funeral Co even before Probate has been granted.

 

Take a copy of the funeral invoice into the branch asap and ask the bank to pay whatever amount is in the a/c towards the invoice. The family will then have to settle the balance (if any) from other funds.

 

:-)

We could do with some help from you

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slick132

slick132

Posted
Posted

Two threads merged.

 

Please only use one thread per issue.

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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