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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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MBNA No CCA, Gimme my interest :)


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Well, ive managed to reclaim my charges :)

 

When i asked for a copy of my agreement, MBNA told me they dont have a copy and i have to go and ask someone else, told them i dont, they need to go and find it. Now its been a month or two and still nothing as turned up. So no agreement as far as im concerned.

 

Im in the process of reclaiming the PPI as no agreement so no proof if i agreed to it or not, pre lim already sent.

 

Up until recently, i was mixed up regarding interest and the reclaimation of it, with the info in this thread http://www.consumeractiongroup.co.uk/forum/general/101712-mbna-admitted-no-cca.html thanks goes to standing and dave :) for showing me the light.

 

I was in 2 minds regarding reclaiming the interest that i paid on this account as well as everything else, obviously im not guarnteed to be succesful in the PPI claim but fingers crossed :cool:

 

Then i thought, in for a penny in for a pound, maybe MBNA will look after paperwork a bit more now and in my hour of need as well as sticking the knife in, they were to busy twisting it to help me out, so MBNA this is me twisting the knife back :)

 

So today i sent them a letter similar to the one on the afore mentioned thread, ill post it when i dont wanna go to bed :D it was telling them my position on the situation and what i intend to do, if they dont refund the interest paid on my account, going back to 2001.

 

They have 14 days to respond, ill keep it updated as we go along.

 

 

:)

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Good luck Wednesday. Don't forget Wilson v secretary of state ruled that although the creditor can't enforce an agreement without a cca the debtor can. Therefore you have the luxury of saying you missold me ppi gimme it back & no agreement gimme my interest back lol!

 

When you say mbna told you to ask someone else for your cca was it originally with another bank & then transferred to mbna?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Best of luck Wednesday - will watch this with interest.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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yup .....i'm here too :)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Thanks for loking in everyone :)

 

Hope help and guidance comes as well as interest cos i'll need it :grin:

 

Josie I signed up to MBNA originally or so I thought it wasn't til they responded to my CCA request annd told me it was originally with HBOS who I gather to be Halifax? The reply I received is on my charges thread can't link ya to it cos I'm on my phone :)

 

Can't keep away.............:grin:

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As i posted earlier today, this is what i received to my initial CCA request

 

I refer to your recent letter received 01st May 2007. Unfortunately we are unable to obtain a copy of your original application.

 

MBNA now administer your account however, your original application was made to HBOS, you will need to contact them to obtain this information

 

I wrote back saying it was MBNA's responsibility to provide the agreement, they haven't yet.

 

This is the letter i sent to MBNA yesterday

 

You have admitted in your letter dated 08th May 2007 that you cannot supply a regulated agreement that documents our alleged contract. Therefore no contract exists or has ever existed.

 

Therefore you have never had my permission to lawfully process my data, and to pass that data onto third parties. You do not have my permission to start to process any new data and any data already passed onto third parties must be withdrawn and destroyed.

 

As no contract exists you have had no right to charge interest on any money lent. I now realise I have being paying you interest when I shouldn’t of been.

 

I am sure that I do not need to point out to you, that without a true, executed copy of my Consumer Credit Agreement I am now unable to ascertain any of the terms and conditions that constitute our alleged contract.

 

Therefore I require repayment of all such interest taken from XX XX XX to XX XX XX. I also seek statutory interest at 8% from the date of each charge.

This totals to £X,XXX.XX+ £XXX (interest at 8% to today’s date, which is 10th July 2007) Total amount to date is £X,XXX.XX

Please forward payment by return by cheque.

 

I expect to receive a positive response to this letter within the next fourteen days. In the event of either no response or a negative response I put you on notice that I will file a claim in the county court for non compliance with the consumer credit act, and I that I will at the same time ask the court to make a declaration that the alleged agreement between us is void. I will also ask the judge to order the return of all monies I have paid to the account.

 

Am i right legally? Do i have a good chance of winning this? Its just ive got HSBC going into criminal default on the managed loan i had with them, stopped payment already and criminal default is 25 July, would i be able to do the same with them?

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Am i right legally? Do i have a good chance of winning this?

IMO No you do not have a chance of winning this.

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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You have admitted in your letter dated 08th May 2007 that you cannot supply a regulated agreement that documents our alleged contract. Therefore no contract exists or has ever existed. Correct

 

Therefore you have never had my permission to lawfully process my data, and to pass that data onto third parties. You do not have my permission to start to process any new data and any data already passed onto third parties must be withdrawn and destroyed. Correct - thopugh will probably need a court order stating agreement unenforceable to force CRA's to act

 

As no contract exists you have had no right to charge interest on any money lent. I now realise I have being paying you interest when I shouldn’t of been. Correct in that there is nothing to show what interest if any you agreed to pay in return for the monetary advance.

 

I am sure that I do not need to point out to you, that without a true, executed copy of my Consumer Credit Agreement I am now unable to ascertain any of the terms and conditions that constitute our alleged contract. Correct

 

Therefore I require repayment of all such interest taken from XX XX XX to XX XX XX. I also seek statutory interest at 8% from the date of each charge.

This totals to £X,XXX.XX+ £XXX (interest at 8% to today’s date, which is 10th July 2007) Total amount to date is £X,XXX.XX

Please forward payment by return by cheque.

 

I expect to receive a positive response to this letter within the next fourteen days. In the event of either no response or a negative response I put you on notice that I will file a claim in the county court for non compliance with the consumer credit act, and I that I will at the same time ask the court to make a declaration that the alleged agreement between us is void. I will also ask the judge to order the return of all monies I have paid to the account.

Am i right legally? Do i have a good chance of winning this? Its just ive got HSBC going into criminal default on the managed loan i had with them, stopped payment already and criminal default is 25 July, would i be able to do the same with them?

This is new ground because Wilson v Sec of State did not deal with the issue of repaying money 'voluntarily' handed over. You could tailor the argument to request a) all monies repaid to account and alternatively (bearing in mind that the courts like equity)

b) all monies in excess of original monetary advance repaid.

You will have to be prepared to consider an appeal in the event the county court judge finds against you - but I've been through similar (though not this type of claim) and won at Royal Courts with a Senior Judge.

There are several of us I think considering taking this stance and it will probably be advantageous if we all collaborate.

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Well im not too bothered about going after everything ive paid them, but would be happy just going after the interest.

 

I was just having doubts, cos im not very good when it comes to legal stuff :confused:

 

Ive also been reading other threads and its a case of maybe, maybe not, guess time will tell.

 

Lets see what MBNA come back with :)

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I too am having doubts Wednesday,,, I have been in contact with someone who initially suggested that I claim back the interest, but she has not posted for about a week, so maybe she is on holiday.......

I don't regret sending the letter and am very very grateful for the help and encouragement from yourself, Josie and Davefirewalker.

Am not ready to give up quite yet, maybe a good trawl through the CCA forums to post some questions on there could be an idea?

 

Onward and upward..... no-one said that this would be easy.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Dont know if doubt was the right word, i just read other threads and was wondering.

 

I know it wont be easy, guess we will see what happens :)

 

 

It never is easy when you're the first of many..........breaking new ground but just look at Wilson and the effect she's had on CCA law!

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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It never is easy when you're the first of many..........breaking new ground but just look at Wilson and the effect she's had on CCA law!

 

 

Well the trouble im having with my local court over my charges with HSBC, means if and when this gets to court, it will probably be middle of next year :cool:

 

I hear somoene on the south coast is also going thro this and their court may not be as busy as mine, so i may not be the first :D:cool: :cool:

 

By the way hows things in the south Standing? :D :D

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Hey Wednesday. Sorry i can only add support not useful info. If i come across anything that will help, i'll post it up for you.

 

This is going to be an interesting journey :rolleyes:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Well the trouble im having with my local court over my charges with HSBC, means if and when this gets to court, it will probably be middle of next year :cool:

 

I hear somoene on the south coast is also going thro this and their court may not be as busy as mine, so i may not be the first :D:cool: :cool:

 

By the way hows things in the south Standing? :D :D

 

Just moving to up North actually! The things I do not to be the first!!!!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I may well be in front of both of you

 

:)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Top man Dave, you lead the way :) ill just scurry along in the background hehe. I may need some advice of yourself and Josie and anyone else later today if you don't mind regarding my managed loan thread, seems weve reached a mexican stand off ill post more when I get home.

 

Standing the North is great sun shines longer skies are bluer and the grass is greener :grin:

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Top man Dave, you lead the way :) ill just scurry along in the background hehe. I may need some advice of yourself and Josie and anyone else later today if you don't mind regarding my managed loan thread, seems weve reached a mexican stand off ill post more when I get home.

 

Standing the North is great sun shines longer skies are bluer and the grass is greener :grin:

 

And the beaches are sand, not pebbles!

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ok ok you two, enough is enough... I am a very soft southerner, and happy with it!!!

 

As for the pebbles.... don't start me off...

 

I was born in bred in South Devon, where the beaches are all beautiful, golden sands, red cliffes, absolutely stunning, nowhere like it... A few years back I moved to the central south coast.... I don't like it as much as Devon, obviously, but at least the clutch on my car lasts longer, and I passed my driving test without having to do a hill start!!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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