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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CCJ - showing on 1 CRA, shouldn't be on at ALL!


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Just discovered on my credit file with Callcredit (I usually only use Experian) that there is a CCJ shown as satisfied from 16/09/05!

Briefly, this was a £100.00 fine I got from the DVLA for unpaid tax on an old car I had at the time. Well, I paid the £100.00 off just days before the month limit expired, as you must do to have it wiped completely off your file. However, initially the date paid DVLA sent to the court was 2 days after the month expired. I rang the court, they told me they have to go by the date on the DVLA's letter and only they could change it. I rang DVLA, argued the toss, I gave them the Recorded Delivery slip No that proved it was received by them within the month limit and they happily agreed to write a new letter and date. Faxed it to court, they said that's fine, they'll remove the CCJ and that (so I thought) was the end of it back then in 1995!!

Ok, I have just emailed them to investigate this as a matter of urgency, I suspect it will eventually be put right & removed but.......my question is this - given that it's been on Callcredit (though bizarrely not on Experian or Equifax) for almost 18 months now, and in that time I had to take out a sub prime loan because of my credit score, do you think I have some comeback against this??

Given that it only shows on 1 of the 3 CRA's, I'm inclined to think that maybe it's Callcredit that is at fault and they simply haven't removed the record as the others have - 2 years ago.

Some thoughts/advice appreciated.

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Call Credit are generally much slower at updating data, and are more prone to “oversights”

 

Nonetheless if the order was satisfied in full and the claimant has verified this then Call Credit should update their records forthwith.

 

With regards to compensation then if the data was with all three agencies, and you could document a true loss then you would have this option.

 

However the likelihood is the credit you have obtained in the last few years has not be “scored” against the call credit data (virtually no one but their own sister company’s use them) so in reality, bit of a non starter

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i have a very similar situation in that wife is showing a ccj due to a car accident, this was issued in error against her and not the third party, it was subsequently set aside by the court and the registry trust notified - however both experian and equifax are still showing it as a current ccj on her credit report.

i have emailed them both over a week ago but no reply yet - any ideas as to what kind of letter to send?

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Good news....

Registry Trust and court BOTH confirm today there's no error on their part, the CCJ was duly removed from the register 30/10/05 and all agencies had a duty from that date to remove the entry in it's entirety!

Registry trust are also contacting Call Credit themselves today to ensure the entry is removed forthwith.

Now I am gunning for compensation from Call Credit!!!!!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Why? Well where shall I start.....how about my present mortgage and a seperate additional loan with someone else both being on uncompetitive/exorbitant interest rates as I had been deemed to be 'uncreditworthy'!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Why? Well where shall I start.....how about my present mortgage and a seperate additional loan with someone else both being on uncompetitive/exorbitant interest rates as I had been deemed to be 'uncreditworthy'!
Were the products scored against the data held at callcredit?, as the company’s that actually use Call Credit are exceptionally limited.

 

If you can demonstrate that these products were “scored” against the inaccurate data then yes you have a case, however it is far more likely that either Experian or Equifax were used and other factors dictated your risk profile.

 

Additionally I think you would struggle to get a witness statement from the lenders in question identifying true loss.

 

Sorry I cant be more positive but I think you will struggle to obtain any form of formal compensation unless you can clearly demonstrate and prove a true loss

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I shall keep you updated...

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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  • 1 month later...

Today I have received a 2-page letter from Call Credit fully admitting and apologising for having made a serious error - the erroneous CCJ should have been removed from their files 15 months ago!!

 

I wasn't able to prove that any lending I had taken out in that time was from someone searching their agency, nonetheless they have paid me compensation of £75.00 for the distress - that in itself must be a first from a credit ref agency. The cheque was even handwritten so I guess they're not used to paying out!

 

One good reason you should all check your credit files regularly and thoroughly! Don't let them get away with recording anything that is inaccurate!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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