Jump to content


  • Tweets

  • Posts

    • 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.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

PPI and CCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6064 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • 2 weeks later...

Surely most PPI policies are added on at the beginning so would be on the agreement. So if you CCA request you can see if the PPI was on the original agreement (if they can provide it) Of course you could just do a full SAR and ask for all docs/info they have on you and look for charges as well as PPI :)

good luck

ali x

BTW I'm no expert just using info I gathered from experience and from the great guys who post on here :)

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

Link to post
Share on other sites

  • 3 weeks later...

I was just wondering if anyone knew if there was a standard letter somewhere to send to capone requesting my PPI payments back. I can honestly say that I never ever asked for it, and looking back over my statements I see that they actually stopped taking payments for PPI in February this year, now considering I never asked for it neither asked to cancel it.

 

something doesnt quite add up here, so i want it back, can i also claim interest too on these PPI payments, if so whats a reasonable amount

Link to post
Share on other sites

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.

Link to post
Share on other sites

Hi Andy,

Try this link:

 

PPI - Some Notes for Claimants..

 

There is some letter examples on there if you scroll down a bit on the first post, you just need to adapt them to suit your claim. I am just begining with a couple of PPI claims after being successful with some bank charge claims and I must say I'm finding this a bit more difficult.

Good luck with your claim.

Penny.

Link to post
Share on other sites

thanks for the pointers here Rory32 and pennypenny

 

I have asked for a copy of my CCA agrement and as of yet, it hasnt turned up..

 

any by the by here, i never actaully asked for this insurance and by some kind of magic they stopped taking payments in February or March of this year, which makes me think they should never of been taking it in the first place, as i hadnt asked them to cancel or stop taking payments.

 

So I am led to belive that they have just taken payments for the sake of it.

 

the letter templates I have come across all relate to mis-selling of the policy. As i wasnt mis-sold it, they just took it anyway pmsl at these buggers

 

anyway, I was wondering if there was some kind on template out here I could use to ask for my payments back with of course interest

 

help please anyone

Link to post
Share on other sites

The exact same thing happened to me with Halifax credit card. I never signed for PPI on my application -they simply started taking payments in 2003 until I closed the account. When I queried it they said that they added PPI following a phone call to me in 2003. Now I KNOW that I would never have asked for PPI or agreed to it under any circumstances.

I wrote a letter to them in early June 2007 asking that they investigate this urgently. I received a letter yesterday telling me that they had completed their investigations and they are upholding my complaint!!

They said "We have been unable to determine whether you were in fact eligible for the cover provided, or indeed if it was suitable for your needs."

 

I am now almost £500 better off - for writing one letter.

 

I would urge anyone who thinks they have been mis-sold PPI to claim back their payments. In my case I truly believe that it was added without my knowledge or authority. Halifax must agree with this because of the ease in which they have refunded the payments.

Link to post
Share on other sites

Well done Lesleyjane....:D:)

 

It is time we all stood up to the bad practises of these outfits..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

planning on sending this to them,

 

am i right in doing so, is it worded ok

 

Executive Office

Capital One

PO Box 5281

Nottingham

NG2 3HX

30th July 2007

 

Request For Repayment Of Charges

Dear Sir/Madam,

 

ACCOUNT NUMBER: 1212121212121212121

On checking my statements recently sent to myself in reference to S.A.R. – Subject Access Request and subsequent CCA request.

I notice that over the period 07/02 – 06/07 I have been charged £273.39 in -Payment Protection fees .These payments ceased after 02/07.

I would like these charges explained please – I have no knowledge of signing any document regarding payment protection.

I am therefore requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act.

I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then I request my money back - £273.39p , I also wish to claim interest of £229.34p making a total of £502.73p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 7 days otherwise I will have no alternative but to pursue this matter through County Court.

 

yours faithfully,

 

 

 

 

 

 

Link to post
Share on other sites

Reads fine to me, my only concern is that you are only giving them 7 days.

I think you have to give them 14 days, or the courts will say you werent fair.

Only think mind, not certain!

good luck

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

  • 1 month later...

this is the reply i finally received from them,

 

please can people give me there thoughts.

 

I can honestly say that I cannot ever remember asking for this on application, they havent supplied my any documentation to say or prove this. Even though i enquired about making a claim under it, doesnt mean I actually requested payment protection. in either case why did they suddenly stop taking payments earlier this year.

 

 

Cap1PPI.jpg

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...