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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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Oh MY GOD!!!!!!

Well done just does not cover it.

 

I must add (whispering) I did tear up when I discovered you have won....shhhhh if you get yours...mine is just soo damned close....spend it wisely????....Nahhhh

 

Congrats mate and thanks so much...well you know....for being you!!

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Its ok for you.......you can go to bed now.

Some of us are still here.

I am just moving the last of the stuff from the caff..........borrowed the mates transit.......its not the end tho......Col told me that he has had a few enquiries

he dont wanna see this place turned into a kebab house or pizza parlour/

e is looking at maybe subletting to a Cag collective.......we shall have a whip round in the RBS forum......to keep the caff where it belongs.......:D

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 all,

 

Glad to see you are all keeping up the good fight.

 

I am at the stage where i have a court date of 30th November, my claim is for 1980.00 in cahrges and 100 + 120 court fees, Cobbetts made me an offer of 1100.00 on 6/10/2006 which i declined verbally over the phone, i have not heard anything since then.

My bank are continuing to apply charges to my accounts and this is now snowballing, i have today phoned the bank and requested that they refund the charges back to my account(the ones that i have incured since i started my claim and are not included in my original claim) less the 12 quid that has been deemed as a fair charge i.e:

38.00 charge, less 12.00 = requested 26.00 refund on each occasion, the woman i spoke to at the bank was very rude and refused to even look into it, this has now rattled my cage again and i am on the war path.

 

Q What is the best way to go about claiming these more recent charges back, i think i have seen somewhere on this site that you can add these charges to the original claim, or is it better to start the whole process again for these latest charges?

 

Peanut.

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You cannot add them to the original claim since that would make both your claim partics and spreadsheet wrong from the original filed claim.

You could do this as an ammendment but it will cost you 65.00 which is not recoverable.you would also have to wait for the Judge to consider whether to allow it.

There are 2 other options then.

You can either ask Cobbetts to consider adding these to the final settlement which they would need instructions off the bank first.....or you can do another claim after this one is finished.

I understand that once an offer is made and turned down that Cobbetts have to wait for the bank to give their instructions before making further moves.

Its not as some think,an automatic decision to give the refund a couple of weeks after a refusal.There are other issues too some of which unfortunately I cannot fully explain on here for obvious reasons.

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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Hello All I Have Been Going Through All My Statements From 00-06 And Have Come Across The Usual Charges For Cheques And Dd`s But For Some Reason I Have Noticed Other Charges Which Are Referral Charges Ranging From £10-£90 Does Anyone Know Of These And Can I Claim Them Back,need Help Too Busy With Work Never Seem To Have The Time Thank You To All Who Can Help

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Is this a standard or royalties Gold account ?

You can claim everything except the monthly subscription fee if it is a gold.

Are these charges showing at the end of the month ?

it is likely that the 90.00 is for 3x30.00 charges.

Referral charges are claimable.

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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Firstly its not my brief to suggest that and I really do not see the point but more importantly you will not need to do it.

There will be long periods beteen the stages of the claim whereby you will not need to do anything.

The waiting is probably 90%.

This does not lessen though the understanding of the process which has to be the full 100%.

Although this a self help site the teamwork here and the ability to get help from the members is something I have never seen anywhere else....and dont think I will.

Our nimbers are fast approachimg 100k and we have seen many people here from all walks of life go on to win back their money.

At the end of the day this is your money and better in your pocket than anyone elses !!

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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  • 2 months later...

Even after so long........its great to read this thread again......anyone who has doubts and concerns.........who gets to a point where they feel like giving up..........where uncertainties can creep in........and when Cobbetts start to pile on the pressure.....reading Big Cols story is a breath of fresh air and gives a jolt and an incentive to push on.

A truy temarkable thread and one which inspired so many others.

So sad that it came to a conclusion......but yet good that Col was able to finally able to put his time to other uses.......Drove past the cafe last week and the shutters are still down........but the memories of all that was discussed and planned over the tea and bacon butties will live for a long time.:)

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'm with you on that! I read through the post again on Boxing day!!! sad I know, but I had a reply and AQ to do, read this again for inspiration, and a good reason for a bacon butty!!!:)

:)RBS - Settled in full -3k
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  • 2 months later...

Actually since the days of BigCols claim,there has been some changes.....one of those is the Bank (both RBS and Natwest taking a greater role in looking at claims at an advanced stage...or even offering settlement very early )

Dont know whether this was a cost saving thing or a temporary offloading to clear a backlog.

Lyndsey will know the answer......but I cant see her telling...........

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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  • 1 month later...

Hello all,

 

I have been very busy on behalf of the British Tax-payer and unable to keep up to date with CAG matters, glad people are still reading 'my story' though, all I can say is that whatever happens, keep cool and keep checking the latest on the CAG, ask if you don't understand and read as much as you can. It is so worth it in the end, just getting your money is great, but knowing that the Bank has listened to you (not just a number) is a great feeling.

 

TTFN

 

BC:cool:

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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