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    • Thanks I just had a quick look.  Will study over the w/e My friend does have kids. But it's a really dysfunctional family.  They don't talk.   Many years ago he sold 2 property assets and gave them a lot of money (enough to buy homes w/o loans) .  They've done nothing for him in the last 2 decades. And he altered his will so his new partner gets everything; the kids nothing (more). The 1st form I glanced at - to be deputy - asks for family details.   If I give his kids details I suspect the authorities may say they should get the deputy job instead?  Then  they will steal the money and give nothing to his partner. I can get a copy of the medical assessment  - and get it translated.  If need be.   This has all happened very quickly.  He got sick. And that must have kick-started dementia.   He was fine to hold a detailed conversation 6months ago; now he cant
    • Hi I think the only way around this as he lacks capacity is someone is going to have to apply to be a deputies via the Courts as he has assets here in the UK and a UK Bank Account which will take time and there will possible be Court Fees to make the application. Also if the Lack of Capacity (Dementia) was diagnosed abroad the person applying for deputies will need that diagnosis and it will need to be translated legally for the UK Courts so possibly cost for this as well. Also for reference although you were assisting them before the lack of capacity and had authority to act on there behalf that no longer stands due to there diagnosis of Dementia therefore Lack of Capacity so you no longer have any authority legally to act on there behalf unless the below is actioned or someone has Power of Attorney for that individual (which was setup before the Lack of Capacity) Have a wee look at these links: https://www.gov.uk/become-deputy https://www.lawsociety.org.uk/topics/private-client/mental-capacity-international-aspects#:~:text=You might need to make,act within the foreign jurisdiction https://www.gov.uk/government/organisations/office-of-the-public-guardian I have got to ask with the Dementia diagnoses are you 100% sure the diagnosis states they Lack Capacity as not everyone that gets a Dementia diagnoses may lack capacity initially. Now the Office of the Public Guardian link above you could also consider giving them a call just to give them a brief on this situation and get there advice on what documents etc are needed for deputies to be appointed as the person with Lack of Capacity is abroad.
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LindsayHowlett vs Halifax

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Hi everyone,


I'm not sure if I'm posting this in the correct place, I've only just found where to post new threads!!!


I'm in the process of claiming back against halifax. I sent my SAR to Halifax in November and eventually they managed to fulfill my request. They said they had sent the statements out and I never received them so they resent them!! (I received about 40 separate envelopes, one statement in each - seems Halifax have made so much money on the bank charges we've been paying they don't care about postage costs!!!!)


When I had receieved the statements I immediately set about calculating how much I would be claiming back from Halifax for both of my accounts, and came up with a figure of nearly £3000.00...it's no wonder I've been skint for the last 5 years!!


I sent my first letter on the 10th December (bad timing on my part since their 14 day deadline was then Christmas Eve, but hey ho!)

I quickly received back 3 letters from them in quick succession, 2 were standard letters reminding me of Halifax's banking conditions and making me aware of changes they were making to their conditions, the other was a standard acknowledgement of my complaint telling me how sorry they were to hear I was unhappy blah blah blah and they would get back to me within 4 weeks.


I basically ignored this and sent my second letter off as that seems to have been the advice I have read in all the other threads, I was admittedly a few days late sending my second letter as I was away over Christmas but I sent my second letter on the 3rd of Jan.


Since then it has just been a waiting game, I am due to file in court this Wednesday the 17th, so I am busy doing my research. Although when I arrived home from work today I did have a message from someone at Halifax asking me to call them back regarding my letter. I didn't get a response when I called this evening, although it was half 6 so perhaps they'd gone home, so I'm going to give them a call tomorrow morning!


Does anyone have any ideas at all about what this call may have been concerning? Has anyone had a similar thing happen?


I'm really nervous about the prospect of filing in court but I'm gonna fight this one through, the charges that Halifax have been taking have caused me to get in more and more financial difficulties over the years so it will nice if I get something back out of them!


I've also just looked at my credit cards and I've got a total of £800 with my 3 credit cards so if I'm successful with Halifax I'll go after those next!


I've also got my boyfriend going after his charges as well, I went through all of his statements for him and completed the spreadsheet...so I've got my fingers crossed with him (he's with Barclays, not Halifax and from what I've read, those fighting Barclays have been less successful than most)

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Damn Damn Damn, I think I've made a mistake, I've just been reading through another thread and it's made me realise I may have done something wrong!


Please can anyone help!!!????


The spreadsheets that I have used have had the interest calculations on them, is this wrong, will it affect my claim???


Please please please help!!!


Thank you

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OK, first things first. Yes, they do sometimes telephone to make an initial offer. I got a call from their Newcastle office and spoke with Jonathan Park there on Dec 5th. He made an offer, I simply asked him to put it in writing to me, and I got a letter regarding that the next day


It should be a normal phone number (0191 is Newcastle, 0121 is Birmingham etc.). If it's an 0845 or 0870 then it may not be connected to your claim.


Once you get the letter you either accept their offer or send a rejection, accepting the amount offered as part payment only. All as per the 'plan'.


As for sending the spreadsheets with the interest showing - you're not the first and will not be the last. The Hx will ignore that column, as you're only looking to reclaim the charges at this stage. As long as your correspondence states the correct amount then there should be no problem with that.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.


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Wooooo Hoooooo!


I've just called the Halifax back, it was indeed an 0191 number!! She was calling me to make an offer, the offer she made was lower than the charges, having calculated the highest 2 years worth of charges on the accounts and offering me that! She asked how I felt about it and I politely told her I appreciated her offer but I felt it was too low so I would continue with the process and would be putting my claim into the courts tomorrow.


She asked me to bear with her so she could see what she could do with that offer, she then offered me a figure, ignoring interest that was over and above what I was claiming by £140.00.


She's going to put this in writing to me and it should be in my account in the next 7-10 days!!!!!




Time to get on to the credit card companies!!!!


Thanks so much to this site, I know it's taken me a while to post but I've been busy reading and it's helped no end! A donation will be whizzing it's way to you as soon as they give me my money back!!



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After my success with my 2 current accounts, I'm now going to have a go at reclaiming my charges on 3 credit cards. However I'm really confused with what to do about Interest on these, I'm assuming for credit cards you can claim back the interest as well as they obviously charge interest on balances, the thing is i'm not sure what rate of interest to use as there are a few listed on my statements. 12.9% for balance transfers and purchases, 25.4% for cash and 21.9% for cheques. Any ideas anyone??? Please??

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