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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.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
    • 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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BigCol45 v RBoS hes done it and ***WON ***


BigCol
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Hi All,

Glad to hear some of you are sorting these banks out & winning your causes.

 

I am at the point where i have written my reply to Cobbetts and am including a schedule of charges, these are ready to post.

 

I also have my Allocation Questionare which has to be returned by 27th Sept, i am about to complete the AQ but dont want to make any mistakes after this long saga, can any of you offer any assistance for completing the questionare.

 

Cheers,

Peanut

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There you go Peanut...just click on the link below....

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

btw....do you have your own thread? I'm not being upperty or anything, it's just that people can help you a lot more if everything you're going through is documented in one thread:)

 

Wxx

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I believe Miss B is on holiday at the moment.

I recieved their AQ this week and in it they say as they have not rec the further info requested then a case management cant happen and they will ask for a strike out.

I called Cobblers and asked them what info they were saying they had not got...I had faxed this over previously and had confirmation that they got it from ms B by e mail.

The woman I spoke to said she knew nothing about it.

I immediately faxed the court a letter (the court has a copy of the Replies I sent following Cobblers request )

 

Yesterday I was reading Toilet Bandits thread too (Nat West ) and Cobbetts are seemingly trying to make a part 36 without pred offer.

Coupled with their Cpr part 18s they obviously need to brush up on their knowledge of CPR I am thinking of writing a complaint to the Law Society and suggest everyone else does the same to put an end to Cobblers Bullying tacs.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin, count me in!

 

They have done nothing but bully me since day one, even breaking banking rules to intimidate me. I have sent all our corresponsdance to the Court and part of me (the brave part!) hopes for my day in Court to show them for what they really are.

 

In one of my letters to them, I asked them to provide me with evidence that the Judge had requested further information....low and behold, in their subsequent letter there was no mention of this but they made me an offer....barstewards:mad:

 

The Judge will be allocating a date for my case next week (I've just called the Court) so, I still don't know when it'll be......I just wonder what the Judges think about their letters, seen as these cases never get to Court, I'd love to know what they think when they read the cobblers from cobbetts!!

 

Wxx

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Ignore their stalling and dont give them more time.

They know the procedures......but maybe think you dont.

As soon as the 14 days are up carry on to the next stage.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Will send off my LBA over weekend and post Monday

 

Do you mean your gonna send it twice!? :-)

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Unicorn I see you have at least 4 threads ????

 

Would be a good idea to merge them all !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You lot are very good to me.

Awwwww no problem honey:)

 

And remember when you don't get a response, just bump it the next day (I know you have to be persistent sometimes!!!) ;)

 

Wxx

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Unicorn provided Bigcol agrees then its ok with us.

 

Bigcol has the biggest views on the RBS thread in fact no other RBS user has ever attracted these numbers.

 

The reason in part is that other RBS claimants at a similar stage,are working together,and filling eachother in with updates.

I can think of no other thread on this site that has been so constructively applied between its posters (certainly none that are currently ongoing )

 

I applaud you all in these workings together.

 

In particular Bigcol who has continued to remain informative at every level.

Well done guys.(as a RBS claimant myself too )

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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awwwwww Willow of course you have done a great job too...:p

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I agree guys. Well done!

 

The downside..........it seems to be increasingly more difficult to get any replies to my own thread :(

14/09/2006 - Data Protection Act letter sent to my bank.............here goes :D

28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000 :eek:

04/10/2006 - Prelim letter sent for charges of £2037 :rolleyes:

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awwwwww Willow of course you have done a great job too...:p

LMAO...thanks Martin:p

 

Don, will you bump it so we can have a look for you?

 

Wxx

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unicorn..........bumping just means replying to your own thread so that it 'bumps' it up to the top of the forum :)

 

Gav

14/09/2006 - Data Protection Act letter sent to my bank.............here goes :D

28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000 :eek:

04/10/2006 - Prelim letter sent for charges of £2037 :rolleyes:

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I only recently found out what 'bumping' means myself.

 

Bring Up My Post.....so, if you have asked a question which hasn't been answered with 24 hrs or so (depending on urgency) then post 'bump' to bring it to the top of the forum again....ok?

 

Wxx

 

Oh and I think only mods can merge threads.

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Will sort it for you Unicorn.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just wanted to say a big thank you to all of you here who have helped and inspired me to fight the good fight as they say. I have just spent the last hour reading through all of BigCol's thread and although at times its very scary, you all seem to be so determined. I haven't reached the court stage yet, but i'm sure my time will come soon. I've noticed that most of you have been using Moneycol and i believe this is for use in England only. As i'm in Scotland i presume it will be slightly different for me. Iis there anyone in this thread that has filed in scottish court yet? Would be helpfull to know what i'm going to be up against.

:grin: WON

GOLDFISH £291.90

MARBLES £174.47

RBOS VISA £232.19

AMEX (BLUE) £148.40

BARCLAYCARD £251.31

AMEX (BA) £151.50

RBOS M/C £222.00

RBOS (MY ACC) £430.00

BARCLAYS £505.00

MBNA £250.00

RBOS (JOINT) £2975.00

:grin:

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Unicorn, worth reading through some more of the threads on BOS/ RBS as well as the Scotland forum. The main differences are that in scotland, you can only go back 5 years instead of 6 and the max amount through small claims court is £750 instead of £5K. You can go up a level to "summary cause" which covers claims to 1500, but expose yourself to potential court costs should it go that far and you lose. Not that you will.....no-one does!

  • Confused 1

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Cor,

 

I don't know, go "away" for a few days and look what's happened. Thanks for those kind words Martin, I'm just glad everone has been working together, we'll get 'em.

 

Meanwhile back on Planet BC, I've heard nothing from Cobblers (but MsB may have sent something to my work email), but the Newark CC have just sent through my Hearing date (6 Nov) and a copy of my N244 Application. Apparently, the Judge will look at this on the day of the Hearing. Cunningly, I also sent a copy to Ms B so let's see if all of my charges will be sorted in one go....

 

I expect something from Cobblers early next week!!

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Guest BlueRuby
Bigcol has the biggest views on the RBS thread in fact no other RBS user has ever attracted these numbers.

 

Hey, I've had 3504 views :p:D and I'm not done yet ;)

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Hiya Col

 

Just bringing myself up to date on your thread, see cobblers are still up to the same old tricks, nearly there though now, settlement next week I reckon!!!

 

Stacy x

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Hey, I've had 3504 views :p:D and I'm not done yet ;)

 

True Blueruby.......but you had over 8 weeks start !!!;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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