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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 if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. 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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Martial Arts Club - can I change my mind & get refund? ***Resolved***


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They don't have any direct debit details so can't charge more. Does this mean that the whole 7 days consumer rights thing doesn't count in this situation? I thought that if you haven't used the service or item within 7 days then you can be refunded even if the company policy says different.

Also, my mum has said she will try to call and explain that I don't wish to do it and that he put a mentally disabled person in a situation that caused pressure and resulted in a term called shut down (what I said earlier about not being able to think) and it's one of the reasons I had carers for years and that it's only in the last few years that I've tried going independent. She has also said that she could tell him that a Specialist in my condition can also agree on this and that I shouldn't of agreed to it without my advocate agreeing to it also.

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7 day consumer rights cooling off periods applies to things bought over the phone or on the internet. Not here, I'm afraid

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I have already said above - do everything in writing. If you want, go round there and put your case but go with a letter which explains what you have said.

 

If you think that a doctor will agree to give you a letter saying that you do not have the capacity to make a contract - because you are not really in control enough to make such contracts freely or you don't understand the significance of a contractual obligation, then you are probably in an excellent position to deny the contract and your chances in a legal action would be better than 95%.

 

However you need to work quickly and they need to be in possession of the letter which I described above by Monday. You need to show that you acted with alacrity.

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Nice try - but I'm afraid that the Distance Selling Regs apply to the selling of the goods or services - not to the payment mechanism - so, sorry. No.

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Hi Dogactor87

 

You used Paypal, but how exactly do you use your Paypal account?

 

I signed into my account on his laptop after he set up a payment thing and just pressed accept or whatever the option button to pay was... Pay now.

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How about this?

 

 

1/5/2014

 

Dear Mr Chan

 

I hereby inform you that I am cancelling any contract that you might consider you have with me and that you should consider this letter as formal notice of that cancellation.

 

I require the return the £397 that was transferred to you via PayPal because I consider that your standards fall below those which you would reasonably expect of such an organization and that you are also in breach of your own rules.

 

In particular, you have failed to provide me with a copy of the club’s Code of Conduct and Risk Assessment as required on page one of their risk assessment document and I asked to try the classes first and was told I couldn’t do so, yet your website and the FMA website says you offer a 30 day free trial membership and I wish to know why I was told differently. You said your course is based on honesty and yet I feel lied to due to not being allowed to do this option. If you will refund me and let me do this trial before committing to your course then I feel that would be an acceptable compromise and regain my trust in you and your company.

 

Also, despite the fact that I informed you that I have a form of Autism, you disregarded it and I consider that you took advantage of my condition as a vulnerable adult by pressuring me into paying money on the spot without a proper trial or time to consider it causing me to go into ‘lock down’ which is part of my condition, which means under stress I struggle to process information and understand what is being said to me or asked to sign. A specialist in Autism or my doctor can provide a letter confirming this and that I was not in a fit state to agree to such a contract without an advocate or guardian present.

 

Finally, I believe that the registration documents and insurance documents have not been completed or they have not been properly completed because they were never drawn to my attention or explained to me properly and a copy of them and any contract given to me. Therefore any membership, which you might have agreed to cannot be recognised and therefore the contract has not been properly completed.

 

In any event, I attended your gym on the basis of a free 30 day trial but when I did attend I was surprised to find that I was put under pressure to commit myself to an immediate paid membership without benefit of a trial, apart from a 10 minute session with yourself. Furthermore, it was explained to me that if I tried to take advantage of the free trial, my eventual membership would be £200 more expensive and no equipment provided and this means that the free trial is illusory and is merely a bait to get prospects into the gym.

 

I consider this as unacceptable behavior and that it amounts to an unfair commercial practice under Consumer (Protection from Unfair Trading) Regulations 2009. If I do not have an immediate refund, then I will report you to Trading Standards who have the power to prosecute for breaches of CPUT. I will also be sending this letter to your head office.

 

Yours Sincerely,

 

My name

Edited by Dogactor87
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My mum went with me to see him tonight and we took the letter but she explained about my Aspergers and that I hadn't understood everything correctly and that I'm not actually allowed to spend amounts that large without consent from her or a carer first. He was very understanding and has agreed to transfer the money back minus the PayPal charges and very happy with that and feel like a great weight has been lifted. Thank you everyone for all the advice and helping me through it. I have learnt my lesson and will in future call my mum or carer before saying yes to anything or even better only go if they are present or say no and that I have to think about it first.

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Hi Dogactor and thanks for the update on your case.

 

I hope this is an end to the matter but please let us know that you have the money safely back in your account.

 

If the money is not back in your account within 7 days, let us know and we'll consider what further action may be needed.

 

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Hi Dogactor87

 

Have you checked your Paypal Account to ensure the correct amount has been credited back?

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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This is excellent news - well done.

 

And well done to the Family Martial Arts Academy in Chester who have handled this very responsibly and very decently.

 

The majority of these kinds of clubs and gyms are not nearly so easy to deal with and seem prepared to go the final mile to keep any money which they have been given by their clients.

Clearly you have found an exception.

 

Maybe should should go back to them and see if they will explore some other way of giving you some access to the clubs facilities which suit your condition and will not result in such a full committment.

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