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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.  
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    • 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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braveheart1 v clydesdale bank(scotland)


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good luck dude ....hopefully you wont need it - I lodged mine a few weeks ago and the clerk told me that over 300 people had claimed against them in that particular court - they haven't defended a single one to date !

Learned fools speak their nonsense in better language than the unlearned, but they are still fools and it is still nonsense !

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Good luck mate, I'm going to complain to the FOS about the obstructive behaviour first to see what happens, then i'll do the court thing.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread 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.

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;) hope this helps every one about to lodge papers in scottish courts I got this letter from court clerk very helpful chap , he wouldn`t accept the template for particulars of claim and gave me this one out of his folder hopefully this will save everyone a double trip to court. going today to lodge ammened documentation .will keep u posted thanks again to everyone

 

 

 

 

 

 

 

 

 

 

Particulars of Claim

 

 

1. The Pursuer has an account (account number“") with the Defender which was opened on or around (date account opened )

 

2. During the period in which the Account has been operating the Defender debited numerous charges to the Account in respect of purported breaches of contract on the part of the Pursuer and also charged interest on the charges once applied. The Pursuer understands that the Defender contends that the charges were debited in accordance with the terms of the contract between itself and the Pursuer.

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Pursuer contends that:

 

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defender; exceed any alleged actual loss to the Defender in respect of any breaches of contract on the part of the Pursuer; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defender which exercises the contractual term in respect of such charges with a view to profit.

 

b) The contractual provision that permits the Defender to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

5. The Pursuer being entitled to reimbursement of the Defenders charges,decree as craved should be granted with expenses.

6. The Defender operates from ( name&address of bank). The Pursuer resides at (address) and has been domiciled there for three months immediately preceding this action. The Pursuer entered into a consumer contract with the defender.This court accordingly has jurisdiction.

(Civil Judgement and Jurisdiction Act 1982,Section 41 and Schedule 8 Rule 3 )

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:mad: hi there went to court this afternoon papers still not right a few brackets in the wrong places on particulars of claim letter,girl again very helpful I ammended letter I posted in forum earlier but I am unsure yet as to the wording she highlighted on the first line (defendant) and said it should be (defender) should that be the case as to every time defendant is refered to in the letter thanks again thought i was doing brill but not got to be perfectt
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:mad: wee bit upset! no one replied but anyway went to court today with everything worded ok hearing date 28th feb 2007 clerk wen`t ha!ha!,just wait on the letter for every one in scotland make sure everything is down to the letter of the law dot ur i¬s and +ur t¬s u know the score,be warned if it`s not wright it means numerous journeys back and fro,like a numpty like me anyway i like a day out or two thanks again to all the team and keep up the good work will keep u all posted
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Thanks for the wording for the particulars of claim. I'm new to this but am claiming against the RBoS for myself and Clydesdale for my girlfriend. The first letter back from Clydesdale says that is she pursues them they will take court action against her for breach of contract!!! I'm guessing it's their standard first reply. Have u had anything similar from Clydesdale?

Good luck with the court action

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Thanks for the wording for the particulars of claim. I'm new to this but am claiming against the RBoS for myself and Clydesdale for my girlfriend. The first letter back from Clydesdale says that is she pursues them they will take court action against her for breach of contract!!! I'm guessing it's their standard first reply. Have u had anything similar from Clydesdale?

Good luck with the court action

Yes its a standard scare tactic.FWIW when we recieved their defence it said we had not had penalty charges,because to do so we would have to have been in breach of contract and at no time had we been in breach of contract and they were services charges that had been applied to the account.So there you go, a contradiction straight away

;) If this helps please click the scales bottom left
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Thanks for that. I assumed it was just a ploy but it made me more determined to pursue it.

The RBS tactic was to deny that they could find my accounts :eek: (closed them 3 years ago). Basically said that they had no record of me being a customer and they delayed sending me any statements for 3 months until I contacted the Data Protection people. Then they sent me some (missing out the later months when I had most charges). I guess the banks hope that most of us give up and go away.

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hello there sorry i didnt respond earlier but as zebbydog says its just there way of frightning u of i got the same letter,but as u know ive put the papers into court,as for rbos,my freind just got a partial settlement last week,he took the carrot dangled in front of him,because he was a bit short at this time of year it will pay for his kids xmas,so just keep going and it will pay of good luck

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Hi Braveheart. Glad you managed to sort your claim in the end. I have to confess that I am not so familiar with the Scottish legal system, but I must say it seems the court clerks are really helpful there.

 

Govan Law Centre is also a useful site you might like to look at, and if you have questions we can try and get answers between us all.

 

Unfair UK Bank Charges | legal help from Govan Law Centre, Glasgow, UK

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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:p got word back from court today stating return date 2/02/07 the hearing date 9/02/07,also enclosed form 11 which may or may not require to be completed by me depending on the defenders response to the summons. also it states that it is important that i contact their office on the monday following the return date as to ascertain what response,if any,the defender has made to the summons good luck to everyone and once again thanks for all the invaluable help so far
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Good luck Brave, sure you won't need it but have it anyway.

 

Merry Christmas.

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread 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.

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