Jump to content


  • Tweets

  • Posts

    • 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.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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
        • Like
  • Recommended Topics

28bagk Vs First Direct


28bagk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6147 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Well, I have started the ball rolling here and have sent the SAR letter by recorded post. I had my bank acc closed 18 months ago and have lots of charges up till then, can't wait till the statements come back......:) :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Good luck. Seems that they have different practices for sending out the statements - some people get them quickly (by courier) and others have to wait. Good luck with your claim by the way.

Claim against First Direct - WON - 29th March 2007

Link to post
Share on other sites

Thanks Harvest

 

I received my £10 cheque back yesterday and await the statements by courier. :)

 

Will let you know when they arrive.

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

  • 4 weeks later...

Well my statements came yesterday and it works out to £3000+ for overdraft fee and excess overdraft fee. Not many recalled dd/so so I should not expect that arguement from them.

 

Prelim being prepared now. :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Excellent make sure that once you send it that you stick to your timescales and don't be put of with letters saying that FD are investigating the matter and will get back to you in 8 weeks etc!!

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

Prelim was sent on 31st March, by recorded delivery of course!!

 

I got the standard letter yesterday (5/4/07) saying that they will reply in 10 days.

 

I decided not to claim debit interest as I found it too difficult to work out the difference from the interest on the charges and the debit balance. I will add the 8% later if it gets that far, which I'm sure it will in view of the amount I'm claiming.

 

I guess I had better start preparing my LBA now!!!:|

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Thanks Gmmm, only a week to go before its sent.

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Eeek, LBA due to be sent now. Will prepare later today and send on Monday recorded.

 

Kitty received an offer yesterday and sent her prelim after me!!!!:-?

 

How about you Madhouse, any news yet?

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Nothing yet. I'm getting LBA letter ready today to send Monday, got behind with this claim because I've been doing AQ for barclays and N1 for mbna. Although mbna want to settle monday morning, so they've got til lunchtime then I go to courts.

 

I'll you know when I hear from them.

Link to post
Share on other sites

I know what you mean, I've been trying to get statements from b/card, what a nightmare!!!! From reading others, I think they are the worst!!!

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Best of luck with that MH :)

 

Well I sent off the LBA on Wednesday 18/4 albeit a couple of days late as I've been dead busy with work.

 

Fingers crossed for a result!!!! :rolleyes:

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

I had an offer on Monday from FD, offering £974 from a £1,147 claim. Considered it for a while decided against excepting. LBA already in the post, rejection letter going today.

 

Good luck, hopefully you'll get an offer soon.:D

Link to post
Share on other sites

Lets see what they say to your LBA, best of luck.

 

I received a letter today from FD saying that FD do not agree with my contention that the charges are unlawful and then went onto spout the T's & C's. They then say that are unable to agree to my request and if I wish to escalate I can write to Robert Kernaghan, Customer Relations Manager.

 

I think that this is a standard letter, has anyone else had this one? It maybe that they have not made an offer as its over £3.5k. What do you all think?

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

  • 2 weeks later...

Hi 28back

 

Im claiming similar amount to you, my LBA runs out on 7th may, as yet I have heard anything other than the same letter you have had ie ..........if I wish to escalate I can write to Robert Kernaghan, Customer Relations Manager.

Just wondering if you have had any other contact from them?

 

Thanks

GE MONEY- Settled 5/06/07

Capital One - Won 15/06/07

**Treat everyone as you would expect to be treated yourself**

Link to post
Share on other sites

I got standard sorry letter will respond within ten days. Then I got the 85% offer after the ten days which sent rejection letter to them they got that last saturday and I received 100% offer yesterday.

Link to post
Share on other sites

  • 2 weeks later...

Well guys, nothing from FD so far. Not even a measly offer :(

 

Now I guess that I have to do the MCOL or N1 which looks a bit of a nightmare from others' comments.

 

I have looked at the templates to see if there is a letter saying something on the lines of.....'pay up within x days or I will add another grand interest plus court charges etc....' but couldn't find one. Has anyone got a letter like this, I'm sure I've seen one on a thread somewhere??!!

 

How much does the MCOL/N1 cost and do you have to pay straight away? If so it may have to wait a little while :(

 

Thanks for all your support so far :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

Anyone?!?!? :):)

 

 

I have looked at the templates to see if there is a letter saying something on the lines of.....'pay up within x days or I will add another grand interest plus court charges etc....' but couldn't find one. Has anyone got a letter like this, I'm sure I've seen one on a thread somewhere??!!

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

I made a point of telling them that if they didnt pay up it would cost them court fees and interest and if they were relly interested in managment cost and time they'd pay up also I was cheeky and said if they put in a defence just to delay things I would put in a Wasted Costs Order! Not sure if it heled at all but they paid up in full!!

Link to post
Share on other sites

  • 2 months later...

Hi All,

 

Apart from being busy at both my jobs (day&night/weekend!!) I have put off doing the MCOL/N1 as I had lost my bottle. I'm not afraid to say that I'm terrified of the one that has to go to court :o

 

I know this is silly as no-one has had to do it - so I have to get back on it. They owe me loads of money!!!! :mad:

 

I finish my day job for the summer tomorrow so the first thing I am going to do is pick this back up again and go for all the others too to get as far as I can before September when it all gets manic again!!

 

Your support is great guys!!! :) :) :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...