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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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Dece,

you are obviously dealing with your situation with a degree of self confidence which is great.

 

I am lucky in as much as I am not too easily intimidated having survived much worse things in the past.

 

I answered the phone to DLC yesterday,

nice girl doing her job in a persistent manner,

I'm afraid I gave her rather an earbashing during which she told me what she was ringing for

,it had nothing to do with my husbands problem with the HSBC.

 

However as a DCA I don't think she should have told me who she was ringing for and why,

 

I almost felt guilty-almost.Keep doing what you are doing,live and look after yourself

Ro

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  • 2 weeks later...

Hi,

OH got a follow up letter today re: the above,

 

having read through it it appears to be slightly ambiguous.

 

They have regret on the one hand that the complaint was made but on the other hand it would have been dealt with sooner had they been able to deal with the matter on the phone.

 

"Due to the difficulty we have experienced in contacting you

,and that your Cashflow statement may not provide all your income and expenditure details as required by the bank,

we have not been able to advise whether the offer is acceptable".

 

There is an assurance that it was no intention to delay help to customers in order to profit from them.

 

They are also returning charges taken after the receipt of the Cashflow (wrongly referred to by me as a DMP)

they also say they do not generally agree to suspend interest on accounts but do acknowledge the request,

 

the Cashflow offer has been referred to the appropriate department

,now I wonder who that could be?

 

It is quite a long letter for them but the bottom line is this is their last word on the subject,and the usual you can go to the FOS.

 

I will now have to wait and see if the SAR turns up and what the response is to the PPI claim just posted

 

.Anyone reading this in a similar position,

keep writing to the bank,

push them,

most of what my husband owes is money he never spent and did not borrow

so anything they offer back no matter how small is a step forward.

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Hi all,

can anyone tell me what the difference is between an I&E and CashFlow? which in my earlier post I mistakenly referred to CashFlow as a DMP,sorry.I ask because it appears that the HSBC does not appear to accept CashFlow .

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I'm going to answer my own question here ,(self help) the only difference appears to be that creditors prefer their own I&E which in this case they will not get.

From banks letter

"As financial statements,such as the CashFlow statement provided by yourself,do not always provide the full information required by the bank,it is necessary to obtain this as soon as possible."

 

They have taken 4 months to get this far,too busy washing their dirty money presumably.

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Hi,

despite the court ruling I really would like to have a go at claiming back some charges particularly off the credit card awaiting PPI decision at the FOS,

 

I do not know what the position would be on the overdraft which is nearly all charges.

 

At present my husband has 60 days before his account is passed to Metropolitan,

interest and charges are suspended until then,

 

I would like to use the time to get a claim in.

 

Is there a best practice approach I could take here?

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the court ruling only affected BANK ACCOUNTS charges [OD charges etc] everything else is fair game.

 

A CC charges claim is the same as a CC PPI claim.

 

if the OD is mostly charges

why not put in a hardship claim or a claim under BCOBS if they are since 2009 charges.

 

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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BCOBS then.

 

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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I can confirm that HSBC are willing to accept your offers of repayment on all three accounts as indicated in your initial letter.

However as you have proposed a reduced payment arrangement which will be agreed over a 60 day period,your account will reach the end of the collections process and will be transferred to Metropolitan Collection Services in due course.

 

I love consistency

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  • 3 weeks later...

Not realy if its already done.

Just tell the they already have it.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brig,

thanks, I thought as much,he got another debt advice booklet as well lucky sod

Hi Ro, this constant duplication of forms is a B menace!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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it is this very mis communication of hsbc and its partners and such departments they have make life hell for some of us!

 

Word of advice? stay away from defaults and sort it out or you will get nailed like I did.. (see my thread) lol.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Hi Noddy,

thanks for the advice I'm not sure how you can avoid defaults though,they have accepted his repayment offer and they did give him 60 days to sort everything out so the default is a bit premature but there ya go they say one thing do another etc.I have read your thread but I'll re-read it now.Stay positive!

Ro

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Term breached requiring you to make payments

 

Nature of breach failure to make payments as required under the agreement.

 

Action Required On or before 5 September you are required to take the following action to remedy this breach:to pay arrears of £1,025.40

 

No further enforcement action if he pays up by the 5th

If he doesn't then the further action set out below MAY be taken against you

Recovery of all moneys outstanding under the agreement

 

The 5th of Sept is the date the first payment will be going out on standing order to them under the agreed repayment offer

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What is the date of the default Notice ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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On the back page says 15th August,not signed by anyone

 

Sadly the DN, as far as dates go, is ok. They have even allowed for sufficient time for the weekend and posting allowances :(

 

Is the amount of arrears they are claiming, genuine arrears or are there any penalty/default charges included in the total ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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