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    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • 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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Excel Contractual Interest Spreadsheet


Mindzai
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ROFL @ Bill K's new avatar - must be a baby photo...

 

Hey guess what I got a full offer from HSBC for charges today but without any of the interest.

 

Trouble is I have sent them two different charge sheets already (one with simple int, the next with that compounded interest formula in the simple sheet which Bill pointed out wasn't correct to do).

 

Will they laugh in my face if I do it again properly when I go to court? i.e. with Vamps creditcard sheet or Mindzais new one if its out yet? :|

 

Cant look as though if I know what Im doing to change 3 times...(well I dont do I!)

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It's one of my many, many grandchildren. A testament to the power of the humble banana !! ;)

 

I would personally suggest you send a revised LBA with your revised spready. Tell them that, since they have taken so long to respond, that you have taken the opportunity to seek further advice, and are now submitting a revised claim. That will make them feel stupid, and not you !! :p

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Hi Mindzai,

 

Im at the stage of sending prelim letter to Barclaycard. Quick question if that's ok - should I send standard prelim and then when your spreadsheet for credit card contractual interest is ready send an amendment letter or shall I hold tight till the spreadsheet is ready and then send my prelim?

 

Thanks, nas2211

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Hi nas - I will try to get the CC one done over this weekend, I've had a very hectic week at work and we had our hearing on Wednexday too, so I haven't had much time.

 

Keep an eye out here, it should be up by Sunday with any luck.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Right i've finished it and it seems to work OK, but want to get it tested properly so I'm going to pass it to someone who is much better at maths than me to make sure it does it's sums right ;)

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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I'm not sure if I am just a bit on the slow side but in the column for interest charged, should I enter the actual value or the % rate charged. If the % rate charged should this be the monthly rate or annual.

 

Sorry about this folks but I am a bit confused and want to make sure I get it right.

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You enter the value of the interest, eg. £5.60 and then you put in your account balance after the interest was taken.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Hi Mindzai,

 

firstly id like to say well done on the first spreadsheet i have found that actually does what i want of it first time around. (no offence to other spread sheet makers BTW)

I have hit a small problem im using this spready to work out interest on a car laon finance agreement on which i received many charges. ie refused direct debit, late payment ect.

The only thing is on the statement of account i have been sent by them, it only lists the charges but doesnt show interest taken ect. As this was built into the payments from day one. ie i took the loan of £6200 spread over 60 months total payment £8400. i know the apr was 16.9% on the loan

Its just i have no figures to enter into the right hand box on the spready, so im struggling to work that out. Also because i paid the loan off 18 months early there was a rebate of £657 but they didnt send it to me, so can i charge interest on that too ?

 

any advice would be greatly appreciated !

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

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Online Finance - Case Charge+CI+Damages+costs

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BTW hows the credit card spready coming along ?

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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Hi, Progenic

 

If you sent the company a Subject Access Request, properly laid out, then they've failed to comply with it. You can write to them, point this out, and point out the consequences of failure to comply fully with the Data Protection Act.

 

If you didn't send an SAR, now's your chance.

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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NatWest i did of course send an S.A.R - (Subject Access Request) 20.1.07 which online finance responded to and indeed they did give me a full list of charges however although the list is complete in terms of what i paid and what i was charged, it doesnt show any interest. This may br due partly to the fact it was a prearanged agreement with interest built into the loan. I have sent off another letter only this morning asking them to specify interest charges ect. heres the thread if its any help to anybody.

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/59100-progenic-rbs-advanta.html#post537174

 

i know this is my RBS thread but the online finance SAR is identical wording.

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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Anyone know what IS Lloydtsb's Gold card plu acc and Co-operative bank (Smilemore acc)contractual rate is? I am almost completed my seeht and want to sent it off tomorrow. Just need to claim contractual Interest.

Lloyds TSB: Settled after FO assistance

Co-operative Bank: Settled - Goodwill gesture:)

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NatWest i did of course send an S.A.R - (Subject Access Request) 20.1.07 which online finance responded to and indeed they did give me a full list of charges however although the list is complete in terms of what i paid and what i was charged, it doesnt show any interest. This may br due partly to the fact it was a prearanged agreement with interest built into the loan. I have sent off another letter only this morning asking them to specify interest charges ect. heres the thread if its any help to anybody.

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/59100-progenic-rbs-advanta.html#post537174

 

i know this is my RBS thread but the online finance SAR is identical wording.

 

Looks fine to me and this morning's letter likewise - they will have no reason for withholding information.

 

the alternative route is to input your charges onto your spreadsheet and apply compound interest from the date the occur at an appropriate rate - purchases, cash advances, whatever. then let them argue whether they're too high or not.

 

Best

wishes

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi, my poor brain has fused! I've been trying to complete the fantastic simple spreadsheet - and have come to a halt on the account balance at interest date. Do I put in the balance before anything came out on the date, the balance after the interest came out or after everything came out...this is probably painfully simple but I just can't get my head round it.

 

Lloyds only sent me info on the charges and interest - they left out the balances so I have to phone them to get the info.

 

They charged me £140 on unpaid DD fees this month! which was 3 times more than the dds added up to in the first place!!!!!!!!! :-x

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I am getting Soooo confused. Is Contractual Interest the overdraft interest that has been charged.

 

The more I am reading about this the more confused I am getting, my knickers are really in a twist and I want to make sure that if I claim for the contractual interest that I am calculating the right amount.

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I am getting Soooo confused. Is Contractual Interest the overdraft interest that has been charged.

 

The more I am reading about this the more confused I am getting, my knickers are really in a twist and I want to make sure that if I claim for the contractual interest that I am calculating the right amount.

 

Yo, Babe!

 

The contractual rate is a rate the bank charges under its Terms and Conditions (T&Cs), which are the effective contract.

 

It can be either the authorised or the unauthorised rate of interest. The unauthorised rate is higher.

 

The aruments for auth-v-unauth-v-statutory have been (and continue to be) discussed energetically and, indeed, with gusto on a thread about contractual interest.

 

Talking of 'indeed', Stargate SG-1's on. So I'm off!

 

If you want further discussion, have other queries, feel free to either post up here or PM me. Believe me, I know how confusing it can be!!

 

Best

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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BTW hows the credit card spready coming along ?

 

It's finished, I just need to test it properly but I've been very busy the last few days.

 

do i only add the interest from the months in which i have been charged, ie no charge, no including interest amount ?

 

No, add interest for every month whether you were charged in that month or not.

 

Hi, my poor brain has fused! I've been trying to complete the fantastic simple spreadsheet - and have come to a halt on the account balance at interest date. Do I put in the balance before anything came out on the date, the balance after the interest came out or after everything came out...this is probably painfully simple but I just can't get my head round it.

 

I would put in your balance before anything was taken, but to be honest it is only an educated guess at the interest owed on interest anyway, so it probably doesn't make to much difference either way.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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dying to get my hands on a Credit card spready ;-)

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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No, add interest for every month whether you were charged in that month or not.

 

Thanks for that but can i claim back interest even if i havent had any charges, are i have an agreed overdraft and surely part of the contract with this is the interest rate ?

 

I would have thought that the bank would also have argued this point

:madgrin:

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I think i have gone wrong somewhere, these figures cant be right

 

I have only entered one charge of 20 received on december 04 and when i click on the interest daily sheet it comes up with these figures, surely this cant be correct

 

IAN CROSS vs ABBEY

SORT CODE:0

ACCOUNT NUMBER:0

MONTHLY INTEREST RATE: 32.66%

SCHEDULE OF CLAIM FOR CHARGES

TOTAL INTEREST: £28,477.59

FROM:27 December 2004

TOTAL INC. INTEREST: £28,497.89

TO:15 February 2007

DAILY RATE (FOR CLAIM FORM): £0.22

TOTALS: £20.00

£28,053.10

£28,073.10

£0.30

£424.49£424.79

DATE OF CHARGE 27/12/2004

PENALTY AMOUNT £20.00

COMPOUND INTEREST £28,053.10

COMBINED CHARGE & INTEREST £28,073.10

DATE OF INTEREST 27/12/2004

INTEREST PAID ON PENALTIES£0.30

COMPOUND INTEREST ON INTEREST £424.49

COMBINED INTEREST & C. INTEREST £424.79

 

 

 

I really dont understand how the figures are so high, and thats just with one charge, there is no way the banks are going to not defend these kind of amounts are they?

 

Am i doing something wrong?

I used the going rate from Abbeys website which say AER 28.7% this is for the unauthorised borrowing fee, i have entered this figure onto the first sheet and i get the following : Enter Interest Rate (APR): 28.7Monthly Rate:32.66%Daily Rate:0.933%

:madgrin:

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Hi, Icy

 

I'd say that yes, you are doing something wrong but I have absolutely no idea what it is!

 

Whose spready are you using? If it's Mindzai's, then I suggest you PM him and ask for help direct.

 

Ping! I think I may have an idea - you've put the MONTHLY interest rate as 32.99%: that should be the annual rate. Monthly should be 2.xx%. 32.99% is totally unprincipled loan sharks' rate (DON'T go there!;))

 

In response to your previous post, the interest you are charged on the charges they levy is reclaimable, even if the overdraft is an agreed one. Think of it this way: you invite people into your house for a party. One of them takes a hi-fi, an iPod and a portable TV. You had agreed to them being in your house and enjoying your hospitality but you hadn't agreed to

them taking your property, had you? Charging interest on unlawful fees, even in an agreed overdraft scenario, is the same thing - you have not consented to your money being taken unlawfully. Get it all back.

 

Best

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi Mindzai,

 

i will be a beta tester if you like on the CC spready ! ;-)

 

just cant wait any longer :lol:

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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