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    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Har dee har har! Thanks! Im 3k apart . I need help so they drop the 3 k. But you got that! kr escaped!
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hallowitch

Berevment questions RBS credit card

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My husband passed away about 2mnts ago trying hard to deal with this.

 

He had a rbs credit card with less than 2 k outstanding

 

ive had an assets and liability form to fill wanting to know if he had any vehicles owned his own home life assurance jewelry ect and the value of each it also asked how much I paid for the funeral ect and requests for copy's of bank statements funeral bill and all other outstanding loans or credit card debt

 

 

im finding this a bit intrusive do I really need to tell them and prove how much I paid for his funeral ect thanks

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Sorry to hear about this. It must be a difficult time for you.

 

A bit more information would help us answer as these aren't questions RBS normally ask when you tell them their card holder has died.

 

Did your husband leave a Will? If so are you the Executor?

 

Is there enough money in your husband's Estate to pay the credit card bill?

 

Is the credit card solely in your late husband's name? Or a joint account with you?

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tell who is this RBS themselves?


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moved to RBS forum


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No will

 

no money in estate

credit cards solely in husbands name

yes from rbs

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Imho stuff and all they can do then

 

No i dont think they should get all that info

Are you exec??


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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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It would be administrator if there's no will, dx.

 

Some small estates don't need to go through probate process, I forget what the limit is.

 

HB


Illegitimi non carborundum

 

 

 

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hallowitch,

 

Are you appointed as the official Administrator of your late husbands Estate, ie have the Probate office issued you with Letters of Administration? Or are you just dealing with it informally as next of kin?

 

 

 

Did your late husband have some sort of repayment plan in place with RBS before his death? ie because he had defaulted on his repayments at some point?

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hallowitch,

 

Are you appointed as the official Administrator of your late husbands Estate, ie have the Probate office issued you with Letters of Administration? Or are you just dealing with it informally as next of kin

 

Informally as next of kin

 

Did your late husband have some sort of repayment plan in place with RBS before his death? ie because he had defaulted on his repayments at some point?

 

 

No never missed a payment or made a late payment on this or anything else in over 20 yrs

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Are you the official Administrator of your late husbands Estate, ie have the probate office issued you with Letters of Administration? Or are you just dealing with it informally as next of kin

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I suspect what is happening here is that if someone's Estate is insolvent there are strict rules about the order any debts are paid in. And if there are, for example, several credit cards or loans and not enough to pay them all then they all have to paid in the same proportion. You can't pay some debts in full and nothing to others. There's a fuller explanation of it here.

 

 

https://www.bereavementadvice.org/topics/probate-and-legal/insolvent-estates/

 

 

 

My guess is you have told RBS there is no money in the Estate to settle the £2k owing RBS and RBS are trying to find out whether the other organisations your late husband owed money to have been paid in accordance with the rules for insolvent Estates. That is why they are asking the information they have listed. It includes the cost of the funeral because under the insolvency rules the cost of the funeral must be "reasonable". As I understand it they are only asking for financial information about your late husband, not your own income and debts.

 

 

Was there enough money in the Estate to pay for the funeral or was the funeral paid for by you (or other family members) personally, from your own money? If you paid for it yourself you don't have to give any information about it to RBS, just say the family paid not the Estate.

 

 

If you had been formally appointed by the Probate office as Administrator under Letters of Administration I would advise that you do have to provide this information. It would be part of your legal duties, and not doing it could result in you being held personally liable for all or part of the money owing to RBS.

 

 

 

But you are only acting informally and I am really not sure where that leaves you legally. You could just reply and say you aren't formally appointed as Administrator or Executor and were just trying to help them out, and see what happens. You are unable to help with the questions they asked. £2k is a relatively small amount, they might well just write it off at that point. Otherwise come back here and let us know what happens.

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My husband passed away about 2mnts ago trying hard to deal with this.

 

He had a rbs credit card with less than 2 k outstanding

 

ive had an assets and liability form to fill wanting to know if he had any vehicles owned his own home life assurance jewelry ect and the value of each it also asked how much I paid for the funeral ect and requests for copy's of bank statements funeral bill and all other outstanding loans or credit card debt

 

 

im finding this a bit intrusive do I really need to tell them and prove how much I paid for his funeral ect thanks

 

Simply write across their letters ...No Estate...No Assets...No Money and return them back to sender.

 

And please accept our sincere condolences hallowitch ...from the CAG

 

 

Andy


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Hallowitch,

 

sorry to hear your sad news.

 

I think Andy is on the right track.

 

I was in a very similar situation to you some years ago when my brother died. He had no assets and left a mountain of debts. I administered things informally as next-of-kin.

 

Regarding bank loans and credit card debts, I simply sent each of the companies a copy of the death certificate and a covering letter saying there were no assets. All of them wrote the debt off immediately. And in every case it was more than two grand.

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