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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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saddler10's partner v capitol one


saddler10
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Hi everyone, DPA request posted today, will keep you updated.

 

cheers, Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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  • 3 weeks later...

Hi, DPA info arrived today, my partner will be claimng £400 in charges. The balance on the card is only £408! I also have 2 Capitol one cards myself. Will be starting the process with those very soon.

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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  • 3 weeks later...

Just a quick update, preliminary request for repayment sent on 19th June, so 4th July is their deadline, then letter before action will be sent.

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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  • 2 weeks later...

Hi, sent LBA on 4th July giving 14 days to settle, partner received reply very quickly, the main points of which are;

 

Their fees are in line with other banks. OFT believes default fees of of £12 are likely to be fair (not exactly what the OFT statement said?). Capitol one disagrees with their analysis and believe their current fees are fair and legal.

As a matter of goodwill, they offered to reduce the fees applied to the account to £12, therefore offering a refund of £168.00.

A settlement form is included, reading as follows, 'I confirm my acceptance of Capitol One's offer of late payment and overlimit fee refunds totalling £168. This action by Capitol One is accepted by me as closure of my complaint about the fees added to my account.'

No thanks, Capitol One.

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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Hi, Onanblues, are you looking for DPA request letter or preliminary request letter?

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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I have all my statements from the time the account was opened so I don't think I need to ask for account information under the DPA.

 

I was wondering what you used for the prelim letter?

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Hi, just used the preliminary approach letter in the library, replacing the reference to direct debit refusals and exceeding overdraft limits with late fees and overlimit charges.

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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  • 2 weeks later...

Hi all, confirmation letter from court today, claim will be deemed to be served on 29th July, Capitol One has until 12th August to reply.

 

Will keep updated.

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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Hi, Acknowledgement of service received today, stating that Capitol one intend to defend all of the claim.

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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  • 3 weeks later...

Hi, letter from Capitol One yesterday offering full settlement as a 'gesture of goodwill'. An additional £40.00 has been charged since the claim began, wondering how the following part of the settlement form would affect claiming for this;

 

"I will not take any further action in relation to this and I understand this offer is made without any admission of liablity on the part of Capitol One and I agree to notify the court to confirm settlement"

 

Does the 'further action' part refer only to this case or does this stop us taking action against any further charges?

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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It will mean no further action on your part at all, so you obviously don't want to be excepting that. I'd write back to them saying you will be continuing with your court action until you get a full settlement offered with no conditions applied. They will either have the choice of defending or paying up with no conditions. :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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  • 2 weeks later...

Hi, another case won but with a lesson learnt. My partner decided to sign their offer letter as, I suppose like a lot of people on here, we need some money coming in fairly quickly. So, we posted this acceptance, but before Capitol One had received it, they wrote again saying as they hadn't heard from my partner, they had credited her account with the full amount.

So, if we had waited a little longer, the money was paid up without any conditions and we could have claimed again for the extra £40.00 that has been charged. Just waiting for my DPA info for my own Capitol One cards, so at least I have a good idea of how they will act.

 

Paul

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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  • 12 years later...

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Alliance & Leicester, £2944.66 settled in full, donation made!!!

 

Capitol One (Partner), £475.01 settled in full, donation made!!!

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Please

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

 

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