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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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georgel vs BOS ****WON*****


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Hi,

 

Send your LBA. Stick to your timetable, they will do everthing they can to delay and put you off. Its your cash, claim it back.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Hi,

 

Wait until you get to court stage. You can claim Summary Cause, this lets you claim up to £1,500 at a time, would save you a lot of time.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

i sent my LBA they sent back a letter saying to wait an answer by 15/03/2007.

I don' t think so!

I want to claim in court.As i'm in Scotland,i would like to know when i claim at small claims,£750,do I add the interest to this amount or all the amount including interest should be £750.

Can you please tell me what forms do i need?

thank you

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i just phoned customer relations,and they told me they are waiting for my statements and can't make an offer.

their 14 days are up on friday ,after my lba,should i wait for a response by 15 march or should i just go to court!:mad:

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Sorry I had to start a new thread but nobody seems to answer to my post.

My LBA is sent,14 up tomorrow ,i decided to phone Cutomer relations to inquire about my claim,hoping for an offer,i just got they,ve got 8 weeks to answer and they can,t do anything about it just to wait until 15 march.

I just wrote another letter tonight as an atachment to my LBA,because most of the charges are related to benefits i receive and its illegal.

Should i send this letter to see if they speed up or just go to file in court and not waste time!!!!!!!!

Very angry at the moment:-x

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does anyone have a valid email adress for bos customer relations?

if i claim in court what adress should i write?

mybe just my branch adress?

Till now i sent the letters to rosyth adress.

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georgel,

best thing to do is contact them & ask if they have a central mailbox, as for the claim, use the Branch Address, if they disagree they can amend- I think, see if anyone else offers help!

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hi there!!!!

Did anybody got money back from BOS after LBA?

They seem to really mess people about!!!!

The 14 days after my LBA are up,not answer,phoned them ,been told to bug off.

On friday i sent another atachment to my LBA stating exactly the charges they took from my benefits,as i found it's against the law,and i gave them further 7 days!

Did i do the right thing?

My claim is for 3500 and because i'm in scotland i have to split it!

I read that some courts don't allow more than 1 claim sometimes!

Is it true?

To be onest i'm quite worried about court and i really want this money before!

Any advice ,pleaseEeeeeeeeeeeeeeeeeeeee!

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Hi Georgel

 

Do you have an address you can use in England? By that I mean friends or family. I used my friend's address in Norwich as the correspondence address and filed the claim on MCOL. There is a link if you look under helpful external links.

 

I claimed for the whole lot ie £3373 and it came through before going to court. You have to pay the fee though with MCOL as they dont let you not pay because you are on benefits.

 

I recommend that you do it this way as you will get your money quicker. You get the fee back anyway so it wont be wasted. It is £120. If you need help with the claim just pm me and I will give you a note of what I stated in the claim part.

 

Hope this helps

Gemspan

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i'm at going to court stage!still no answer from BOS!

Can anyone give me some advice on this ,please!

In dec -jan i got some charges ,then i phoned the bank and gave them hell,they refunded some of them,and the lady said she will put notes in my account,no more charges refund.

Do you think this may affect my case in any way?

:confused:

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Hi gorgel

I am also at the court stage with BOS. I filed at the local Sheriff's court on March 2nd, apart from the standard response to complaints I havent heard anything. From reading previous threads it would expect to get some kind of offer before the return date, however if not I've gone this far and will continue. With regards to 2 claims i have had to split mine (at court stage) and ivo some cases failing on 2nd claim I decided to split my amounts pre and post merger, that way I felt I would be able to counter the "i knew about all the charges before I started action" with this - who knows if that will work. All I can say is everything here shows we will get our money and however annoying it is we just have to be patient.

:-|

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forgot to say, don't worry about "no more refunds" that is a note to other cso at the bank not to do further refunds on the account. I think they are only allowed to refund charges (when you phone the call centre) on one or two occasions. This will have no implications when you go to court or if they contact you with an offer.

:-|

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If you use an English address for a Scottish claim, do the banks not question why you've moved house? Also what correspondence is sent to this address?

Thanks

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Hello there

 

The correspondence address for the court is the English address. The claim address (for you!) is your own address.

 

The court sends confirmation to the address in England and would also send a copy of the Defense if one were submitted. So, it makes sense to have an address in England of somebody you can trust to give you the information timeously so that you can act on it.

 

I hope this makes sense.

 

Kind regards

Gemspan

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Thanks for the help.

If you are using an english address but live in scotland., what court do I use?

Thanks

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Thanks

I am using MCOL, but it asks for a court in England or Wales, and I live in Scotland, what do I put there?

Cheers for all your help!

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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Hi

I am in scotland but going to use mcol with an english addy through Londonpresence.com fo £20.00 pre month who will forward all mail up to my scottish addy and the court i am going to use is in Carlisle just inside the english border so if i have to go to court it wont be as far to travel and is miles away from Halifax/bos head office har har har court addy is

Courts Of Justice

Earl Street

Carlisle

Cumbria

CA1 1DJ

hope this has been some help

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Great, I'll do the same.

Thanks

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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What BOS details are you using?

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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