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    • Update: the lawyer friend sent a very good legal letter last week  The third letter will be sent over the next few days - here is the proposed text - your comments welcome as ever: Dear Will & John Letter Reference:xxxx I write with reference to your recent letter in relation to PCN numberxxxxx You threaten Court proceeding on behalf of your client yet your client’s rationale for charging me has no legal substance. An alleged parking offence as a breach of an alleged contract.  I have no contract or terms and conditions with your client.   Furthermore, the sum you are requesting is fictitious. I have no intention of paying any monies to your client. You had no legitimate reason to access my personal details so are already in breach of GDPR by texting me several times on my personal number which I have not given permission for you to use.  Coupled with the several letters you have sent your persistence amounts to nothing short of harassment. Should this continue I will have no hesitation in contacting the ICO to report the breach. The letters I have received will be useful as tinder for the open fire in my living room now the weather has turned cold again. Should you wish to take me to court, I will be seeking full costs through a recovery order under CPR 27:14 which will come in handy now I find myself in the unenviable position of redundancy as a result of Covid. Yours Sincerely   Copied to PCM UK "you don't want to be Gladstoned"   Thanks AJJM
    • Letter received from Cabot - "Unfortunately  do not have relevant information on file" Requesting from original lender. Will write within 12 days with an update. Requesting I get in contact to make a plan. Suspect they will get a CCA from Lloyds so ned to think of how to proceed if they do supply one.  Lloyds did cancel the credit card and accepted £5 per month and no interest. Do not want to pat the DCA.
    • £18 billion on PPE instead of £3-4B max £22 billion on trace a test instead of about £2-3 at most as in other countries for doing better £500 million on eat out to spread the virus instead of 150M to feed kids and support local businesses   Thats £35+ billion in taxpayer money wasted    
    • Sorry but I don't necessarily agree with my site team colleague above. I'd like to see diagrams and understand the situation fully before making a judgement. I've been asking for a diagram since Thursday evening – and I'm still not sure why we don't have one. I understand that the van was pulling out from a parking position.
    • the van was stationary when hit..... sorry end of the matter.   it doesn't matter he p'haps  'did something wrong'  its like say running a child over and saying well if he didn't run in the road he wouldn't of got hit.... you should not have been driving in a manner be it legal or not, whereby you could not take the necessary actions to avoid it.   so where do you now stand, what is not resolved to a manner which you feel this is unfair to you...
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies
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I'm the executor of a will and the estate includes a property. The relative has died just before the insurance is due to be renewed and I'm having problems finding cover. I'm being told that I can insure it as a second home once probate has been granted but until then I can't. I'm guessing that because I'm not the owner yet I have no insurable interest in their eyes.

 

I can't be alone in this situation. Is it really impossible to insure a property throughout the process of probate?

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The existing Insurers will normally continue the cover. They just need a copy of the death certificate, legal document to confirm role as executor and alternative payment details.

 

If not, brokers like Home Protect have a product for this type of situation. Also Solicitors have access to Insurers who offer this type of cover.

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Thanks UB. This should be simple enough and probate shouldn't take long so I was hoping to get away without involving solicitors. I don't mind paying them - I do mind them dragging the process out for no good reason which has been my experience in the past.

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I agree with Uncle Bulgaria, hightail, it shouldn't be too hard.

 

When my mother died, Swinton carried on the house insurance with no problem. I don't remember providing much information at all.

 

I only went to Home Protect on UB's advice when Swinton couldn't continue cover because the house had been empty for a while. They were very easy to deal with and I don't think they wanted any information from me.

 

HB

Illegitimi non carborundum

 

 

 

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I had a relative that died with a property in another country - the insurers in that country (that my relative had) wanted more money for very little cover. I was able to get a UK company to insure the property for much less and with good cover. As it took quite a while to settle the estate, upon renewal I got a different company for even less cost as I was not in so much of a hurry to find insurance. So there are companies out there that will do this sort of thing. I didn't need a solicitor to sort out the insurance and I wasn't even one of the executors!

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This should be simple enough and probate shouldn't take long so I was hoping to get away without involving solicitors.

 

If you haven't had to do probate before, it is a fairly easy process as long as the finances are relatively simple and the estate falls under the Inheritance Tax threshold. Best to get the paperwork in sharpish before the fees go up in May.

 

https://www.thegazette.co.uk/wills-and-probate/content/100543

  • £300 for estates worth more than £50,000 and up to £300,000
  • £1,000 for estates worth more than £300,000 and up to £500,000
  • £4,000 for estates worth more than £500,000 and up to £1 million
  • £8,000 for estates worth more than £1m and up to £1.6 million
  • £12,000 for estates worth more than £1.6m and up to £2 million
  • £20,000 for estates worth more than £2 million

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No... you can't eat my brain just yet. I need it a little while longer.
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If and when you get the cover in place, please make sure you don’t fall foul of any “uninhabited” policy conditions e.g. weekly visits, keeping the property & garden tidy or turning the water off/draining the system down.

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Thanks all. Home Protect have been very helpful.

 

If you haven't had to do probate before, it is a fairly easy process

I have - twice myself and once using solicitors which is why I'm aware of the difference in just how simple it can be if you don't have a vested interest in making it look complicated :)

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You are acting for the deceased for the benefit of all Beneficiaries.

You don't have to pay the Ins Premium etc yourself, just deduct costs from Estate valuation.

Ii property was bequeathed to an individual, transfer it as soon as Probate granted, or ask an EAt for a Probate valuation.

Dispose of it asap. The Insurer may well apply 'empty property' conditions after ~3 months.

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I am a main beneficiary as well as executor. Half the house is left to me. Once I've got probate sorted I can insure it as a second home without problem while I decide on how to proceed.

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I am a main beneficiary as well as executor. Half the house is left to me. Once I've got probate sorted I can insure it as a second home without problem while I decide on how to proceed.

 

You currently have an insurable interest in the property even without probate, so you could get a policy set up now. I was in a similar situation myself a couple of years ago, and managed to get a standard home cover policy from L&G without too much trouble.

PLEASE HELP US TO KEEP THIS SITE RUNNING

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No... you can't eat my brain just yet. I need it a little while longer.
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I was in a similar situation myself a couple of years ago, and managed to get a standard home cover policy from L&G without too much trouble.

That's interesting, thank you. I knew I couldn't be the only person this had happened to.

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