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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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Thompson vs Lloyds TSB


moggy1968
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Here we go then, hold on it's going to be a bumby ride!

Lloyds returned three DDs in march even though only one would have put me over my overdraft limit. the branch agreed to refund the charges, but didn't, causing me to go over my limit again and more DDs to be returned - total cost about £400. They refused to return the charges, even though the spiral was started by their error. I was having a whine to someone about it and they refered me to this site, so now, because they refused to reasonably refund £400 I am going to pursue them for the last 6 years worth, oh, if only they had been reasonable in the first place!!

 

I'll keep you posted, great site, it's good that someone (or some people!) are out there to help.

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Welcome aboard moggy

 

We will watch out for updates / questions - please post them here if they are in any way related to this claim.

 

Good luck

..

.

 

Opinions given herein are made informally by myself 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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Hello Moggy1968, we are new to this site and have found nothing but a sympathetic ear and understanding its great to know that someone is out there looking out for your best interests.

 

I am about to start the process of over 6yrs worth and not looking forward to it but this site by way of replies has given us great encouragement to do so.

 

I hope you achieve your aim in recovering what is rightfully yours.

 

Look forward to seeing how you get on and take that great leap forward we are going to.

 

Good luck and Kind regards

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Too blxxxxxy right they have had it there way for far too long!!!

 

If we kept our money under a mattress (haha) we would know exactly where every penny goes, wouldn't we but heyho this is modern times.

 

Kind regards

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I have sent the DP letter as above but I do have the last three years statements. Going through those 3 years ago I was charged £20 for unpaid DDs, now it is £35, thats a 75% increase in charges (I think) I find it hard to believe that Lloyds costs have risen 75% in that time!!

If it was my business and my costs had increased 75% in 3 years I would be mighty concerned!

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  • 4 weeks later...

Got my statements through the other day, so have now sent my prelim letter (on 18th) so we await developments. Lloyds seems to be a harder nut to crack than some, but all will be revealed in the fullness of time!! To all those reading this forum I am following the step by step guide and using the library letters and, up to now, it has all been very easy and straightforward.

 

HSBC £3566 LBA sent 20.07.06.

Lloyds £1334.50 prelim latter sent 18.07.06.

MBNA £who knows! LBA Sent

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  • 3 weeks later...

well, Lloyds wrote back on the 3rd August saying sorry but tough. They said write to the banking ombudsman. personally I would rather p... in my breakfast cereal, and it would probably be as useful!

 

They just bounced another three payments, but processed one to themselves that appeared on my statement after the others and was bigger than all 3 put together. Bouncing that one would have left enough to pay the other three but of course that wouldn't have maximised their charges would it!!

 

so today my LBA goes

 

If anyone is any doubt as to whether to claim the interest, it is a lot of hassle after all for 8% then look at how much difference it has made to my claims, I was gobsmacked! Using the template in the library it is actually very easy and I would advise doing it initially for your scale of charges, even though you don't need interest calculations at that stage, as it saves re-entering the data later.

 

MBNA £999.00 + £708.15 interest @24% LBA sent 11.08.06.

Lloyds TSB £1409.50 + £194.03 interest @8% LBA sent 11.08.06.

HSBC £3602.50 + £727.88 interest @8% Moneyclaim completed 11.08.06.

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  • 1 month later...

good luck. i'm watching these spaces very carefully pending my own claim.

 

If we kept our money under a mattress (haha) we would know exactly where every penny goes, wouldn't we but heyho this is modern times.

i wish, but in my neighbourhood, my mattrass would get stolen:D

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lloyds are one of the tougher nuts to crack, but you will crack them, and the harder they make it, the more likely you are to have to issue proceeedings against them, which means you can then add interest and get even more money out of them!! Remember that each time they send you a letter trying to put you off, do not be distracted, it's a win win situation, you just have to be patient and stick the course.

follow the step by step guide on the forum, use the template letters, and you can't go wrong!

good luck, although luck has nothing to do with, just tenacity and perseverence

Andy

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  • 1 month later...

Lloyds seem to be playing the tough guy, I have had acknowledgement from their solicitor but nothing else as yet. their 28 days since registering on moneyclaim are now up, does this mean, as I suspect, that I can now issue a default on them through moneyclaim. Does anyone have any experience of how far they will push this? this is, I think, the final hurdle before it goes to court. has anyone else been down this road yet?

I'm geting a bit anxious now so any help is appreciated

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Hi Moggy

If their 28 days are up then by all means file judgement against them. Unfortunately in many cases, my own included, they file there defence late and will just have the judgement set aside. **** are VERY busy now an have a policy of leaving it to the last minute, expect them to file defence by end of week then its A/Q time

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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The thing I don't really understand is that this seems to be a standard tactic by them, looking through this site. they push it as far as then can without ever intending to go to court. surely that makes them guilty of contempt and wasting court time? why does the court continue to allow them to do this?

 

answers on a postcard please!!

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I think something has to happen quite soon regarding this, I would assume that the courts are getting fed up of these piles of litigation from customers piling up their desks, in the meantime you need to crack on I am afraid! Not fair - no! but happening - yes!

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  • 2 months later...

I have now received a court date from |Lloyds (Gulp!) and a letter asking me to send in all copies of documents on which I intend to rely at the hearing,

Can anyone advise me as to what I should be putting in with my letter to the court,

cheers in advance

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You need everything from the http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html in the templates library, all correspondence between you and Lloyds, your statements or account information, a schedule, the McNamara interview (templates - soundfiles) and edit this to suit your claim and add it to your bundle too - GaryH v Lloyds TSB - WON !! UNCONDITIONALLY !!!!.

 

You need 3 copies of everything. File one at the court, serve one to Lloyds sols and keep one for yourself (this should include the originals).

 

Get this all off and then ring SC&M and ask where their documents are. They should then say that the settlement is in the post.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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No problem. Make sure you take notice of the date it all has to be submitted by and get it sent in plenty of time.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Good work. Should'nt be too much longer before you receive a settlement now!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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