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    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • 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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If people have the *intention* of paying their debts back why do they fail to provide a forwarding address to the creditor and then think it's clever to change their telephone numbers? The majority on here are still living in the same house. The main reason people tend to change their telephone numbers is to prevent the Unlawful Threatening calls these DCAs want to make

 

Again, you insist on personal attacks and insist I work for a DCA, which I have said I do not.

So, now you resort to saying I am lying because you can't accept the truth?Only you know the truth as to who you are

 

My company folded in June 2006. My marriage had already broken down and I was in the middle of a divorce. Yea, I am soooo *lucky*. I am not posting that for sympathy, because I really do not want it. I just don't think that using bad personal circumstances as justification for debt is not always the case. (obviously, I do not know your situation, so that is not directed at you)So are you suggesting that a series of unfortuante events such as losing one's job, home and health is no reason for not being able to pay your debts. If you lose a job along with the ability to work where else do you suggest we get the money to pay our debts.:?

 

As for DCA's. If the bank had been paid back in the first place, they would not have sold the debt on would they?You really do not seem to have grasped anything which has been said. Contrary ro you allegations the site does NOT condone debt avoidance. Most of us here would have paid our debts had we been able to.

 

Smashedbobo, I have not directed any comments at you personally. I am really genuinely pleased for you that you have managed to get through what must have been a horrendous time- and that shows great strength.

I am also really disgusted that a DCA has now started chasing you for money which you do not owe.A lot of people on here are being chased for debts they do not actually owe just because they have a similar name to someone the DCA is looking for

Again, my comments were not directed at people in that situation, but rather generally to state that I understand why DCA's become involved when people are deliberately avoiding their debts.No one is saying that DCAs should not get involved is chasing debt so long as they abide by the law which sadl the majority do not appear to want to do so. Again I have to point out to you that most people on here are not deliberatel avoiding their debts and have no desire to be treated like **** by some jumped up bully in a call cente

 

As far as I am aware this is a public forum, and when a thread is started, it is 'public'. It's an unfortunate fact of posting on a forum that you have to take the good with the bad. If you see mine as 'bad', then you are quite entitled to ignore me. I won't be offended in the least.

 

I do not mean any offence to you, or any individual here. I haven't attacked anyone here. I have merely stated my opinion based on my own experiences of being severely affected by debt.

 

I can see some here think I live in a happy 'little world', but those people are making assumptions which couldn't be further from the truth.

I have been dealing with this for 15 years now- personally, and NOT because I am on the 'other side' which is being continually stated by some on here, even though I have clearly stated that I am not working for a DCA.

 

Debt destroys lives. I am sorry if I have caused personal offence because that was not my intention. I have not personally attacked any individual on here despite being attacked myself.

DCAs destroy lives

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Please can we keep this thread on topic. I appreciate Debt Collection and debt is an emotive subject and different people have different opinions on this. These opinions have been expressed and I really feel that any further discussion should be done elsewhere. Paid Up if you wish to start a thread airing your opinions feel free although please read the forum rules first.

 

I would appreciate no further hijacking of this thread and am quite prepared to remove posts if the OP wishes it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have read the forum guidlines.

 

Please explain to me how I have broken them.

 

Of course you may remove my threads. Kinda sad that a person's comments, merely expresssing an opinion based on their own debt experience with no personal attack on others need to be removed.

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Then please read again http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

 

Pay particular attention to hijacking and inciting flame wars.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 5 months later...

I made the mistake of falling for this one. So after reading the messages on here I called them back. I instructed them that I am not willing for information to be shared without my consent, and on reflection I did not want to receive the package. They promised not to share the information, as required under data protection etc, and to return the package to the sender. They also apologized and said they get a "lot of these calls complaining". They pointed out that they are merely hired by the client company to verify the details before sending a letter.

 

I find this sort of thing really annoying. I got into debt after a failed marriage, and being left disabled by an accident. Those genuine debts I ran up I have arranged payment terms for. Other companies however still chase me for disputed debts and incorrect debts that I never ran up. I have no problem paying back what I genuinely owe, fair is fair. When some daft company fails to notice it is not me that owes the money, or when a debt is simply a mistake and not mine, it gets right on my t*ts when I get chased by some debt collection company in this way, especially when I have tried to contact the client company to resolve it - - aarrggh!

 

it seems to be a real problem that when a debt is "sold on" to a collection company, that if it is a mistake or disputed, the collection company has no information on this nor previous correspondence at all! It is a real pain to then get the matter referred back to the original company. Fair play- CapitalOne got this done and gave me a discount on my debt as an apology for 12 months of hassle, but most others have been completely useless and unhelpful!

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Hi

Same thing has happened to me. Spoken to them twice now and left two messages on their ansaphone.

They ask you to confirm address and they then say they will post it out in "normal" post.

Having now found this site, I am very dubious about this....

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