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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Nationwide Pay Up!


Kevin Davis
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Having sent the first letter to Nationwide asking for a refund, I was sent a standard letter. I then sent the second letter allowing them 14 day to refund all charges before I started the court claim. They didn't reply to the second so I went ahead with money claim online.

 

I got confirmation of the case hearing date and two days later a letter from Nationwide saying they still wouldn't refund the charges as 'it would be unfair to other customers'. I presumed this was a reply to the second letter I sent them which was only a month late! They did say that my complaint had been sent to the financial ombudsman who would make a decision in 8 weeks and let me know the outcome.

 

Two days later I went to check my balance not expecting to see that Nationwide had refunded over £3700 in charges made over a 4 year period.

 

Not sure how the communications work in Nationwide but I got the result I wanted. I still haven't got any communication from them saying that it was them who put the money there - but I don't mind waiting for that ...

 

Hope this gives some hope to those still fighting their case. Good luck!

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Brilliant result, well done for seeing it through.

 

I'm sure this will give others a great lift too.

 

Don't forget to update the litigation section for the site, send the details to a moderator - and if you feel like helping the site to grow, a gift of book tokens for the team will not go amiss!

 

John

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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well done!...same happened to me a week or so back...and still ive recieved nothing in the post....i dont think they want to admit that theyve lost...just hope it goes away un noticed.....although ive recieved a defence in the post from the courts yesterday saying they wish to defend the claim as they have refunded all of my charges.....but are not going to refund the interest and court costs...but they already have anyway .albeit a week after the charges refund...so ive cancelled the court claim...its over with them ..untill they charge me again anyway...

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I just remebered something from way back, - I think it was the Gas Board, or Bristol Gas Co, - the comment (roughly remembered) 'as a large company, like any large slow moving animal, we are probably more afraid of you than you are of us'

 

Hmmm

 

Nevertheless, like any large slow moving animal, they have inflicted huge damage while we trusted them to look after our money during our battle with the outside world.

 

As far as I am concerned they have made a unilateral decision to use vast quantities of my money to conduct their declared business of lending money for profit.

 

Now I want it back !

 

Crunch day gets a bit nearer.

 

Fingernails get shorter.

 

All stages up to small claims application completed, parachute working AOK, watch this space.

 

They torpedoed my six month+ project last year by yanking away the (overdraft) carpet at the worst possible moment, so I got around to analyse the last six years statements. Oh boy ! SOMETHING HAD TO BE DONE !

 

Say a prayer for me, and I will do the same for all you out there.

 

What was it that Nationwide said about themselves some time back ? Something like 'We treat your money as if it was or own'

 

It could not have been those exact words, or I would have twigged earlier.

 

Anything but the 'Listening Bank'

 

Once upon a time I used to be in awe of the power of my Bank Manager. Problem solver and big stick wielder.

 

Now all I see is a keyboard tapper who can only echo the 'NO' programmed into the branch computer.

 

It's about time they made my day.

 

Hey Ho

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Would you complete the survey (if you haven't already)?

 

http://www.consumeractiongroup.co.uk/survey.php

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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  • 6 months later...

Hi Jellyfrog,

Best advice I can give you is to spend a few days reading through the FAQ's and other threads on this site. It's brilliant. It will take you some time and it may seem a bit long winded but it's well worth the effort.

I've just issued my Moneyclaim against Nationwide and I'm waiting for their response and hopefully my money.

 

Persevere and see it through and you WILL get your money back

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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