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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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Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges


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unless it is within the period of a court case that they latterly WON

they CANNOT add solicitors costs.

 

any fees, [arrears/letter/debt management visit etc etc]

can be reclaimed at theirint rate

 

That's not accurate. With mortgages the legal fees are part of the contract, and unless struck out by a court as unfair, then the costs remain - which means any litigation taken by the mortgagee is covered, from sending out letters from their legal department to their fees in court, whether or not they win or 'lose'.

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They are saying the 'loan re op payments' (aka as the charges) which they add each month on top of the CMI

are arrears as they can ask for them to be repaid at any point in conjunction with 8.1 and 8.2 of the contract.

 

The charges (including any interest) total amount stands at approx £4000 but I can't get a true figure until Ge provide me with the definitions I have asked for.

 

Of the £4000 they are saying that £2000 of them (which include charges, solicitor fees etc) are arrears which they are saying should have been paid at their request.

 

For example - CMI is 174 p/m and Ge add another 74 p/m to cover the charges accrued to ensure there is not a huge balance outstanding at the end of the term.

They say this is covered by the contract in 8.1 and 8.2. It is the 74 p/m which they are saying are in arrears.

 

I have been paying 200 per month which has resulted in the +156 on the CMI.

 

I have provided the judge with the arrears statement which clearly shows the CMI and the 'loan re op' as two separate items debiting my account.

I have provided a bank summary of the payments crediting the account have been made are more than the CMI.

 

So this case hangs on what GE have been adding on for loan re op payments.

 

Does that make sense?

My hearing is at 10:30 so we will see I'm really nervous though.

 

That's a good point pleasehelp me as the interest is huge portion of the total amount of charges so I would be interested to hear this.

 

Many thanks

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Clause 8.1 and 8.2 say they can ask for the charges to be repaid whenever they determine. Which is then when the charges are listed as 'loan re op' payments on your arrears statement. What they do is sum the entire amount of the charges divide it by the remaining term in the loan and then that is the additional payment they put on the account each month listed as loan re op. It is this which Ge are determining as arrears.

 

If the charges are representable of the cost then that is something I have to pay. However until the charges disputed then I don't want to be giving GE any more of my money, especially as they are not replying to my questions to of definition and breakdowns etc.

 

However how the judge views this tomorrow I don't know ?

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Clause 8.1 and 8.2 say they can ask for the charges to be repaid whenever they determine. Which is then when the charges are listed as 'loan re op' payments on your arrears statement. What they do is sum the entire amount of the charges divide it by the remaining term in the loan and then that is the additional payment they put on the account each month listed as loan re op. It is this which Ge are determining as arrears.

 

If the charges are representable of the cost then that is something I have to pay. However until the charges disputed then I don't want to be giving GE any more of my money, especially as they are not replying to my questions to of definition and breakdowns etc.

 

However how the judge views this tomorrow I don't know ?

 

How did you get on?

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Good evening ...

 

First off good news I got the suspension :whoo:

 

However it wasn't easy, GE Money refused to accept any monies toward the arrears (which are loan re op payments) and wanted a full repossession. GE solicitors even had done a 'drive by' valuation to provide to the Judge :evil:

 

I think that was because I refused to give GE the authority to liaise with my main mortgage provider for details of my account from them.

 

Even so I pointed out to the judge this was also a consideration I had had to sell the property and obtained 3 valuations

and this would only cover my first mortgage which would mean GE would not re-coup anything anyway. That was very sneaky.

 

The judge was very understanding and said that I had given the most articulate defence he had seen by a lay person

and that convinced him of my determination to resolve this.

 

However, he said the loan re op was part of the contract and GE contractually can request these monies to be spread out to avoid a large balance.

He reaffirmed to GE representative although GE were unwilling to accept any payment proposals he was inclined to disagree.

 

He order me to pay £40 a month on top of both the Cmi + loan re op payments.

 

He said this would avoid me having further admin fees added to the balance and halt any further action GE tried to pursue because of the loan re op payments.

He said this would give me time to challenge the charges and if it was found in my favour the payments could be altered.

 

I was happy with this and will buy me some time to challenge the charges

and if it is in my favour I will have paid any monies off to GE quicker (I only have 50 months to go) I am pleased with that.

 

I have some further update on the definitions which GE representative put forward in court today,

which the judge was unhappy with because it hadn't been shared with me and he ordered a recess.

 

Even though GE representative was there for GE money,

the Judge said he had to be my advocate also and then onwards the representative was fine with me.

 

I'll post the definitions on my thread so I don't hijack yours.

 

Have you sent you charges letter off yet?

 

Best regards

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That's not accurate. With mortgages the legal fees are part of the contract, and unless struck out by a court as unfair, then the costs remain - which means any litigation taken by the mortgagee is covered, from sending out letters from their legal department to their fees in court, whether or not they win or 'lose'.

 

 

thank you lea. noted good info.

 

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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Pulled me up as well the other day. I need to make sure I don't have too many threads open it gets confusing. Good job Lea is watching...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Sorry guys, it's not about pulling anyone up

- I, like you probably do, think it's important that people have accurate information

so they don't feel cheated when they get into court and hear the judge say something different.

 

The judge does have the power to order no costs to be added to the mortgage

or the security IF he believes the proceedings were not necessary..

 

.at that stage, if the costs are added, the mortgagor can ask for them to be removed by waving the court order.

 

Otherwise the mortgagee's court costs can only be challenged if they are over the top.

..e.g £6-800 for a hearing is about fair, more and they are verging on over-charging.

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  • 4 weeks later...

Hello everyone,

Hope you are all ok.

Just to update you all..... Everything is still plodding on.

We are paying the cmi plus the £90 Ge charges bit plus the £250 towards arrears.

 

We are also paying the cmi on the secured loan, plus £65 ge charges plus £100 off of arrears.

 

Meeting the payments are fine, we have done Nov, Dec and Jan and will also pay Feb before back in court in early March.

 

I've done letters to reclaim charges,

got the financial ombudsman involved as to how the arrears were handled and requested all telephone conversations transcript .

 

As in January last year, I was told the arrears were high, but as we have ages to go on mortgage, that could be rectified.

 

Also shelter are involved as they are surprised the judge has asked us to pay a bulk of the arrears as well as a monthly payment. Have I forgotten anything?

Your help, as always is greatly appreciated :)

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Hi, good to hear all going well.

 

I have also put in a letter for my charges also with a complaint letter. I would be interested to know what Fos say regarding the handling of arrears. I will need to wait till 8 weeks has passed before I can go to the fos.

 

Hello :)

I take it you've not had any response yet?

Well I first raised the points back in November and they offered me a small refund ' as a gesture of goodwill' I since written to them requesting everything back except the solicitors fees . I've also sent all off to the FOS.

Let me know if you hear anything .

I had a meeting with Shelter today, who were fab, but I'm fed up with all this hanging over me.

Nice to hear from you :) x

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I received an acknowledgement letter to say they are looking into the issues i have raised, so it is just a waiting game now!

 

Keep plodding on till you get it all sorted and I know it is such a strain, but hopefully it will turn out in our favour! :|

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Hi all,

Just wondered if anyone is around to offer advice?

I'm claiming back my charges from ge, the charges total approx £7000. £2700 are solicitor fees, this morning they have offered me £2250 as a refund. They say the other charges cannot be refunded and have advised I contact the cab. They say their charges are fair and because my mortgage is unregulated there is nothing they can do. I don't believe a word of this and was looking to reclaim approx £4000. Any advice would be appreciated. Many thanks.

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you cant sadly reclaim solicitors fee

 

so how does the CISHEET with all the other charges look

[using their int rate in cell d15]

 

compared to what they are offering?

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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Hello, not too sure what that means :/

 

The total charges inc additional interest are £10,650.36,

without add int is £7401.99.

 

The solicitors fees total £3164.19,

the remaining £4237.80 are the charges

I would like to reclaim.

 

They have offered £2255 today, that leaves £1982.80.

 

The chap who called today wasn't even aware that I'd been offered any refund until I pointed it out to him.

 

I have until 14.02.14 to accept.

 

Thanks for your response :)

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take the solicitors fees out of the spreadsheet that has calculated that £10k figure

 

then that will be your charges claim.

 

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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check your figures first

 

did you actually do the CISHEET?

 

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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Share on other sites

Hello, not too sure what that means :/

 

The total charges inc additional interest are £10,650.36,

without add int is £7401.99.

Do you know what the difference is between "interest" and "additional interest"? I asked them and could not understand what the person said due to his strong foreign accent.

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