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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.  
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    • 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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Halifax 3 here we come


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Hello there, we're finding it hard trying to keep track of all our claims i don't know how some of you do it!

having got woolwich claim rolling we are now hitting halifax:

1 basic account and 2 credit cards

 

HAlifax 1;SAR sent 20/4/07. Statements received and Request for charges of £2629.83 repaid sent 09/05/07 . Haven't heard anything so have just sent LBA yesterday (04/06/07) so lets wait and see:rolleyes:

 

HAlifax card 1 and 2; SAR sent 09/05/07 they cashed the £10 cheq about the 20th may but nothing untill today when we get a letter saying;

"We are currently experiencing a high number of similar requests and it may take a little time to process your request.........." bla bla :-D i bet they are, shouldn't have over charged us all in the first place!!!:-D

Do you think it's worth us giving them a ring?

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If they are that busy then I doubt if a call would have much effect at this stage.

 

I would give it until the 40 days are up and if nothing received send them the Non Compliance letter.

PPMAN159

 

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thanks for that PPMAN159,

 

was getting a bit eager then after reading some of the threads !!

 

how can there be such a difference between how they treat one claim and another? surely they can't justify this!?:???:

 

cheers:-)

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At present there is no logic to the way that they treat claims or claimants for that matter because I am sure that all claims go through the same process whether it is for a bank acount or a credit card.

PPMAN159

 

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  • 2 weeks later...

hello all,

:confused: lost track of halifax a bit as have been sorting court papers for our other claim:Druids36Vwoolwich/barclays.

Anyway it's been very quiet post wise. in fact the halifax have sent nothing on all 3 accounts, so thats court proceeding starting tomorrow on the current account and 2 letters of non compliance to the credit cards!!!:cool: as we are well over time scales!

We have spent some time on the phone to them tho. Interesting conversation with the visa complaints dept. (phone number from this site)they said "if we had just phoned them first we wouldn't have had to wait the 40 days and they would have not only sent out the statements but an offer too"??!!!!!:rolleyes:

"but as we hadn't we would have to wait for the other dept' to play catch up and send them through:mad: and they take ages" -noooo really:rolleyes:

On phoning the main complaints dept. on another issue, having mention we are requesting fees returned we were told "We hope to resovle things quickly and satisfactually so that you will be a happy customer once more" How nice, believe it when i see it .

Will let you all know how things go Druids36

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HELP ANYONE OUT THERE

just trying to do the spread sheets and we've just noticed that we do'nt know what the charges are for. it just says "Carges as Notified" Does this matter? on the spread sheet it has them in detail as to what they were for ?? Sorry i'm rambering a bit ! Feeling a bit paniced over court and how serious it's all getting !

Can anyone please advise ?

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THANK YOU TILLY,

there are people still out there, you haven't all run off enjoying the money or given up!! :D

I was trying to get them all typed in while 15mth old

wasasleep but he's now helping me type!!!!!!! with his foot!?

i just over write them on the computer and it saves me some typing!

h ...........0..0000000000000g r6uhjuy

jnbvbbvc

going now while he's pinned down:D

thanks druids

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Hello everyone, progress report: ( without the toddler's help!)

 

Halifax 1; the 14 days are up well last week actually so N1 next but we are out of funds completely so unless anyone knows of ways round lack of money for court fees then we've stalled:oops:

Did have a "go jump" letter from them on this account. Best statement was "I am sorry you are unhappy." no you b***** not you patronising ****&%£*~#, but you would be to if it was your money.

Sorry back to calm now.

Halifax 2 ; a half baked reply to SAR saying "we don't think we've done wrong but as a good will gesture we offer £153 which is half of the total charges incured." Is it well suppose you should know BUT WHERE ARE THE STATEMENTS TO SHOW THAT..... OH YOU FORGOT TO INCLUDE THEM!! yer i believe you you would never lie your a bank:rolleyes:

Halifax 3; NOTHING diddly quat.

 

So guess thats 2 letters of non compliance then:evil: and a stalled court action pending.

Any suggestions?

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sorry to be a pain but .......................:o

if they have made an offer of settlement ( they say it's half!) but not sent any reply to the S.A.R. (no statements or anything) and the 40 days are over am i correct in sending template letter 3?

Should i also send a seperate "shove it where the sun doeth shine" or add it in to the letter ?

Am i making any sense ?? sorry poorly child, lack of sleep, head fogg!!!

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ok i promise only 2 more questions tonight .............

 

how much does the non-compliance order normaly cost ?

 

and i get that you send it to the bank but am i right in thinking you complain to a third party too and if so- who and how ????????????

don't want them to get away with out a telling off!

druid (running on caffeine)

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Hi Druid,

 

I had exactly the same issue with Halifax non-compliance with the DPA 40 day rules - you DO have to send a LBA for non-compliance and THEN give then time to respond before issuing. Just going for it when the 40 days is up WITHOUT chasing them at this stage would probably mean that claim is thrown out.

 

The way I did it was;

- sent letter 7 days before 40 day period was up saying that they had so far failed to comply and telling them I would complain to the Information Commissioner's Office if they took longer than allowed.

- sent a second letter on the 41st day giving them 14 days to supply statements or I'd issue proceedings through the Small Claims process. I also enclosed a copy of the complaint form, along with all this correspondance, that I'd sent to the ICO.

- they did respond saying the statements had been ordered and would be with me "soon". I took this as meaning that they'd handled my complaint - which was upheld by the ICO by the way - and actioned it, but it still took another few days to receive them.

 

I'm not sure how far you are with this, but I'd say you at least need to write to them once in the form of a letter before action. How long it takes to either receive the statements or have the order issued at the Court is a toss-up, really... I decided to wait and didn't have to go via the Court.

 

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