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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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Just going to "have a go" at Barclays...


jackieandwayne
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Ermm dont believe that for one minute, if it goes to court with T's & C's requested by both parties, you can BET Barclays have got a copy,

 

Companies like these keep copies of everything, just because theyre no longer available to joe public doesnt mean they dont exist..

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Good morning gang. Statements arrived yesterday, all printed direct from microfiche by the look of it.

 

I have had a brief look, but will now need to sit down tonight and go through them properly and take my time.

 

In the meantime, I saw a thread on here a while ago where someone kindly pointed out which bits you could claim. Can anyone point me to this - it mentioned REFFERAL UNP etc, as all I can see after my brief look is UNP so far. I just want to read up and make sure I getting it 100% correct. Plus it is early in the morning and I only have one eye open right now!

 

As an aside i saw a friend last night, and she was telling me about our hairdressers fight with Barclays. Silly girl, went through all the palaver of working out ishe was owed £750, Barclays told her she could have £150, and she was told in such a way that my friend now understands that you have to take what they offer otherwise you get into trouble, and also that we are responsible when the banks have to liquidate! Oh yeah, right! And yes she believed them and accepted it and could kick herself now.

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Look out for

UNPAIDS OUT

UNAUTH OD FEE

PAID REFERRAL FEE.

 

Go through you statements, highlight the charges, enter them on the spreadsheet.

go away, have a coffee,

come back and go through again to make sure you havent missed any.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Right have completed the simple spreadsheet, the one which has one page and calculates the 8%. Is this the 8% for s69 of the County Court Act, or do I add another 8% at court stage? Can anyone point me to a thread where all this interest ect is explained? I'm sure i saw a thread on here where someone charged the bank their own interest rate BEFORE the court 8%.

 

Also I see the final entry which is stacked ready to be applied to my account on Monday is COMMISSION they have charged me £30 for being £10 over my od limit and called it COMMISSION. Can I claim for this, i suspect they arejust trying to disguise their charges now!

 

I had a look at themore complicated spread sheet, just going to have another look now.

 

The charges are no where near what I imagined,although I do remember themost horrendous time, but from these statements I can clearly see who the culprits were, mortgage company, loan company, credit card company etc, so once this one is settled I am going to have a go at them. And then we'll start on OH's closed bank account. ;

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The other interest amount is CI Contractual / Compound Interest.

.

Add ALL charges before filing for court action

 

Once completed your court action, send a copy of your SOC's to both parties. [recorded delivery]

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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The interest on the simple spreadsheet is the 8% for s69 thats what is added at court The other is Contractual Interest that is added BEFORE . However you cant claim BOTH lots of interest

 

The commission is the new term for anything they take out ie unpaids out/referrals/account fees/overdraft interest . noticed these on my last statement and yes you can add any new charges (not account fees) until you file at court

HTH

 

saint

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  • 2 weeks later...

I sent my initial letter and schedule of charges on Friday. Recorded delivery. From tomorrow I'll start counting the 14 days. 2nd July, I should have had a "holding letter" or if really lucky a partial offer. Fingers crossed! Will update as and when happens.

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Call me suspicious but I think I have stumbled on another tactic of Barclays. I was expecting my petrol money into my account yesterday, so at lunch time I went off and filled up, paid with card, took £20 cash out. No problem. When I got in last night I thought, well, I'd better check how much I've got, I hadn't been back to the office to pick up my advice slip. Checked on the internet. Well, my petrol allowance is not in the bank and for some strange reason Barclays have removed any restriction to drawing cash and paying for things if I am not in credit! Obviously they will now charge me for going overdrawn, and yes the petrol allowance is three days late in being processed, hasn't even been sent off yet.

 

But, are Barclays doing this on purpose to demonstrate in Court that I have deliberately abused my account? Just a thought - this is very strange!

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  • 2 weeks later...
  • 2 weeks later...

Got all excited yesterday, other half rang to say letter from Barclays here for you, so I dash home to find they are charging me another £30 for being £4.27 overdrawn! Oh well, next letter might be the paultry partial offer! By my calculation if I have had no communication by 17-7-07 its off to Court we go.

 

I shall add this charge to my spreadsheet, its great that spreadsheet, everytime I look at it the interest has gone up! Actually, I don't care how long this takes to resolve - its costing Barclays a little more each day the muck me about, and i feel like the King in his counting house! Hope it don't all go belly up!

 

Will keep you posted.

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Quick update then. Letter arrived today saying "unable to respond until after 14-8-07". Well, they might not have the time, but I do. Off the collect N1 pack Friday, then chocks away!

 

By the way, I went to Court for work, all prepared to chat about this to my friendly DJ, and what happens? He's on holiday and i didn't like the look of the stand in bod at all - he kept looking at me over his glasses! I will try and catch my usual guy, it'll be him who deals with it anyway as Poole is his "kingdom"!

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  • 3 weeks later...

Right, I was off to Court tomorrow with my forms all filled out. Yesterday I got a letter from Barclays confirming that becuase of the OFT test case if I file a court action they will immediately apply for a stay depending on the outcome of the case. They included a glossy A4 pamphlet full of FAQ. Ovbviously they been preparing this for some time now. They confirm that they have no current obligation to answer my complaint right now. But the way theletter is worded, as well as the leaflet, it seems they fully expect to lose? Reading between the lines that is!

 

I'm going to take the advice of this site and still go ahead and put my claim in.

 

Am I doing the right thing? I have used the new particulars of claim that were posted on here recently.

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HI J&W

 

Do you have scanning facilities so that you can paste the leaflet into a post on this thread? Would be interesting for us to see the wording :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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No I don't have scanning facilities but I am happy to copy it and post it to you if you tell me where to send it. I think though that this is a "global" leaflet that has been used by all the banks/building societies and jsut altered to the particular institutions colours etc. Its a nice glossy double sided A4 sheet and must have taken a little time to prepare. I imagine anyone now registering a complaint is going to get one of these glossies and covering A4 double sided letter containing splurge! Let me know where it should go and I'll get it to you.

 

Am I doing the right thing by continuing with my Court claim? Of course the leaflet assures me there is now no need to do this, I will not be disadvantaged when the outcome of the test case is known!! Yeah right!

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Hi J&W

 

Copy of glossy has been sorted thanks and whilst Barclay's generosity in knows no bounds, no one should alter their course of action or timetable :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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This is what I think - I'm probably completely wrong! As I understand it, any case settled in the Small Claims Court, does not alter current law, does not set legal precedents etc etc. It is not Barclays deciding that the Courts will issue a stay, pending the outcome of the test case, surely this must be the decision of each individual County Court judge. Therefore I am going to go ahead and issue my claim, and if a stay is granted to Barclays I think I might try and argue that the test case is not my case, my argument with them is current and causing hardship and I have the right to ask the Small Claims Court to settle it one way or the other. The ruling from the County Court will not affect their test case,therefore what is the problem? On the other hand, if they are now intending to defend their charges then they could quite easily defend my case couldn't they? After all they must now have all their case evidence in place ready for their big day?!! So defending themselves at County Court level shouldn't be aproblem for them - should it? We'll see!

 

Any thoughts or ideas?

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I got a letter from Barclays this morning. It said "we note you keep going slightly o ver your overdraft limit, we are not overlyc oncerned about this but if you care to ring the number at the top of the letter you can request an increase in your overdraft limit to helpyou avoid further bank charges." Well, ok, I rang them to get the brush off immediately! Anyone had this letter and then when you ring they refuse to help? I thought I read somewhere that they are supposed to be assisting where they can whilst this test case is ongoing? They are just playing lip service by sending out letters like this.

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Hi J&W

 

"It is not Barclays deciding that the Courts will issue a stay, pending the outcome of the test case, surely this must be the decision of each individual County Court judge."

 

This is correct and whilst recommendations and guidelines have been distributed to the cc judges, they still have command of any discretion they wish to exercise in whether or not to self impose/accept a Defendant Stay.

 

Posts are popping up every so often on the forums confirming that cc judges are electing to proceed small claims cases even in instances where banks have requested a Stay (and this has recently happened with a Barclays case).

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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I've just been reading the stayed cases thread, and chec\ked with Poole, sure enough, all cases to be stayed.

 

I do a bit of court paperwork in my employment. I've always been told by solicitors etc NEVER to tick the box asking if Human Rights will be affected as it opens up a whole can of worms. The paperwork I do is me asking the court to grant something in my favour, without going into too much detail on here!

 

Now, what would happen if, when I submit my claim to my court which I know is going to stay it, I ticked the b ox on the form to say that yes, this affects my human rights, and put a covering letter in to say that under Article ....... I have the right to be heard, judged whatever (would have to look it up!)

 

Any thoughts? Is this something we should all be doing?

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And another thing, welshcakes you said that courts and judges have been issued guidance, well, can anyone on here show us notes or documents? It would be great to know what they had been told and I'm sure there are County Court staff on here claiming back bank charges! After all we managed to get old terms and conditions easily enough when the banks said they couldn't supply them! Just a sneaky thought!

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