Hi Blue!

Voodoo child..Jimi Hendrix

Also do you know that 27 people died in Bulgaria from the heat..Whats going on everywhere. In Ireland its rained constantly for the past 18 weeks.

Well its been mega hot here all week I must say and its about to go 'bang, bang' any minute, but I like that... I was brown in May and white in June and most of July..then suddenly after some serious walking..I turned brown again ! Im liking this unpredicatability..but with total respect and sympathy to all those poor people who have suffered and lost their belongings and had their houses damaged in the unbelievable weather thats taken place in England especially. My heart goes out to them and I have watched the news and been shocked. I never knew that the areas I have seen were succeptable to floods. A terrible catastrophy.

Winter wonderland..various artists

Are you sure Robertxc..OMG..they made an overpayment of 7k and we have had cat and mouse for a year over this. Have they no jurisdiction to summons me to Court or send in the debt collectors? It was not my fault and I didnt know anything was wrong. It came to light and they said now you must pay it back. I said not my mistake, write it off and blah, turned to blah, plus blah, blah, and its petered out but im waiting for the nasty letter as they know where I am. Its been a worry. Secondly, Tax credits also made a mistake with an overpayment eventhough I informed them of everything, they are threatening me too. Again I appealed with a Cop 26 to say your error, and I have the two biggies that affect my daily thought processes. I write, they write,...I write, they write...its a back and fourth procedure. Whats the law on this then?

Did our trainee Solicitor friend take out the loan or find another way to deal with his dilemma? b8byd..whats the latest?

Very handy indeed Midge, well done my friend

So if someone disposes of a will, how can you prove it existed unless it went to probate?

Sorry, im really crap on the net..the mods will probably kill me

This should he Website of the UK government Please note that this website has a UK government accesskeys system. Public services all in one place Main menu Skip main menu Home Directories Guide to Govt Do it online Newsroom Sunday, 29 July 2007 Page menu Browse by subject Crime, justice and the law Education and learning Employment Environment and greener living Health and well-being Home and community Money, tax and benefits Motoring Rights and responsibilities Death and bereavementWhat to do after a death [*]Travel and transport Browse by people Young people Britons living abroad Caring for someone Disabled people Over 50s Parents Rights and responsibilities What to do if there is no will If someone dies without making a will, they are said to have died 'intestate'. If this happens, the law sets out who should deal with the deceased's affairs and who should inherit their estate (property, personal possessions and money). This information covers England and Wales only. Getting expert help from a solicitor When someone dies without leaving a will, dealing with their estate can be complicated. It can also take a long time - months or even years in some very complex cases. If matters are complex or you feel you need help, it's a good idea to consult a solicitor as soon as possible. It's advisable to show them all the information and documentation you have about the deceased person's property, belongings and financial affairs. In the meantime, it may be a good idea to put small valuable items away for safekeeping. To find a solicitor you can use the search facility on the Law Society's website or call them on 0870 606 6575 (Monday to Friday, 8.30am to 5.00pm). Find a solicitor at The Law Society website (opens new window) What to do when someone dies Who can deal with the deceased person's estate? Usually a close relative like a spouse, child or parent will have the legal right to sort out the estate of the person who has died. Check priority of who takes charge if there is no will (opens new window) Applying for a Grant of Letters of Administration In order to be able to administer someone's estate you normally need to apply to the Probate Registry for a 'Grant of Letters of Administration'. You can ask your solicitor to help you with applying for a grant or you can make a personal application. On receipt of the grant you become the 'administrator' of the estate. The grant provides proof to banks, building societies and other organisations that you have authority to access and distribute funds that were held in the deceased's name. The overall process is often referred to as 'obtaining probate', though technically this term applies where there was a will. Note that if Inheritance Tax is due on the estate some or all of this must be paid before a grant will be issued. Read the detail in our related articles 'Applying for probate' and 'Valuing an estate for Inheritance Tax'. Applying for probate Valuing someone's estate for Inheritance Tax When a grant may not be needed If the deceased's estate is below £5,000, and doesn't contain any land, property or shares, then it may be possible to deal with it without obtaining a grant. Also, a grant might not be needed if the whole of the estate is held in joint names and passes automatically to the surviving joint owner. What is probate? Accessing a deceased person's money Who will inherit the deceased's estate? If there is no will, there are rules for deciding who will inherit the estate. It depends on the deceased's personal circumstances. If the deceased was married or in a civil partnership with an estate worth £125,000 or less Everything goes to the husband, wife or civil partner. If the deceased was married or in a civil partnership with an estate worth over £125,000 The husband, wife or civil partner won't automatically get everything although they will receive: personal items, such as household articles and cars, but nothing used for business purposes £125,000 free of tax (£200,000 if there are no children) a life interest in half of the rest of the estate (on his or her death this will pass to the children or as immediately below) The rest of the estate will be shared by the following: children (or if none, grandchildren) will get an equal share if there are no children or grandchildren, surviving parents will get a share if there are no children, grandchildren or surviving parents, any brothers and sisters (who shared the same two parents as the deceased) will get a share (or their children if they died while the deceased was still alive) if the deceased has none of the above, the husband, wife or registered civil partner will get everything If there is no surviving spouse/civil partner The estate is distributed as follows: to surviving children in equal shares (or to their children if they died while the deceased was still alive) if there are no children, to parents (equally, if both alive) if there are no surviving parents, to brothers and sisters (who shared the same two parents as the deceased), or to their children if they died while the deceased was still alive if there are no brothers or sisters then to half brothers or sisters (or to their children if they died while the deceased was still alive) if none of the above then to grandparents (equally if more than one) if there are no grandparents to aunts and uncles (or their children if they died while the deceased was still alive) if none of the above, then to half uncles or aunts (or their children if they died while the deceased was still alive) to the Crown if there are none of the above If you were partners but weren't married or civil partners If you weren't married or registered civil partners, you won't automatically get a share of your partner's estate if they don't make a will. If they haven't provided for you in some other way, your only option is to make a claim under the Inheritance (Provision for Family and Dependants) Act 1975 - see the next section. Check who inherits if there is no will (opens new window) If you feel you've not received reasonable financial provision If you feel that you have not received reasonable financial provision from the estate, you may be able to make a claim under the Inheritance (Provision for Family and Dependants) Act 1975. To make a claim you must have a particular type of relationship with the deceased, such as child, spouse, civil partner, dependant or cohabitee. Bear in mind that if you were living with the deceased as a partner but weren't married or in a civil partnership, you'll need to show that you've been 'maintained either wholly or partly by the deceased' - this can be difficult to prove if you've both contributed to your life together. You need to make a claim within six months of the date of the Grant of Letters of Administration. This is quite a complicated area and a claim may not succeed. It's advisable to ask a solicitor's advice. They would charge for this service. More on claims under the Inheritance (Provision for Family and Dependants) Act (opens new window) Further information The Probate and Inheritance Tax Helpline offers information. Telephone: 0845 302 0900. Lines are open 9.00 am to 5.00 pm Monday to Friday. More useful links More on who inherits where there is no will (opens new window) More about what happens when an estate passes to the Crown (opens new window) What happens about Inheritance Tax when someone dies (money, tax and benefits section) Information from Citizens Advice Bureau on bereavement (opens new window) In this section... Making a will How to make a living will What is probate? Applying for probate Legal access to a deceased person's money and property Additional links Find legal advice in your area Search a directory of approved solicitors, advice agencies and information providers. Find out if you can get legal aid Community Legal Service Direct (opens new window) Global links About us Linking to Directgov Terms and conditions Your privacy © Crown copyright Contacts Site index Help Accessibility Cymraeg Search this site Access keys Home Newsroom Site index Help Complaints procedure Terms and conditions Feedback form Access key details Back to top lp..I cant do the link..

Someone took on my identity and got away with it. It was done while a Solicitor was joint administrator to a probate. Therefore in a trusted position and informing me of details relative to that situation, so making all the relevent enquiries on my behalf and obtaining all the relevent paperwork involved. After numerous fob offs and lies, and following a long period of grief in which lots didnt add up. I attempted to retrieve my files to review all the nonsense of the situation. This ended up being six years later and when I did get my files, I found paperwork torn out, and oops!! they forgot to take a page with my forged signature on and a slightly dodgy address stangely belonging bar a number to another relative of mine. The police didnt want to know, the firm said prove it, the LSC said cant see what the problem is and so, that was that. Bitter pill to swallow and a dead end.. just goes to show..they can get away with it and no one cares. Just thought id keep the thread live and active..you know, I havent forgotten..it still burns

It fell asleep at the beauty parlour while the manicurist was listening to a pod cast and woke up to find its teeth done too.

Wealth, health and happiness, not necessarilly inthat order

I think its happening in the majority of Europe ( the rain) and in other places that form the minority, eg. Bulgaria, Venice as examples, people are dying of the heat with temperatures reaching 107 and some dying as a result. Extraordinary, to say the least.

Bookie, I dont have Skype so this is my only opportunity to ask you a question...can it be bank related? If so, can the bailliffs get me in France from Blighty? please PM me, with sugar on top xxxxx

Santana

Ry Cooder and the chicken skin band

Rufus

no but im back on it midge

Totally understand and I know the catch 22 scenario only to well. Blemain wait for people like us to be desperate eniugh to sign the dotted line...What I will say is if you are in any doubt as to your ability to repay this loan for the next so many years each month on exactly the same date without fail. Dont take it out because you could loose your home. However, since my loan with these sharks, they have come up in the world to become FISA members from all the people they skudded to aquire fisa recognition by hitting ther figures of greed. Also, since then the banks have had a public awakening to be accountable, which they werent before. Blemain still think theyre above the law but are answerable to certain regulatory bodies we'd imagine. Our dilemma, is getting them to answer which were all in the process of trying to do. Ive never heard of this 10k course you need as I assumed law students just joined law firms from Uni and worked their way up, but then you know better than me and having studied law will probably be in a better position to deal with these people if they try the legal jargon to scare you that they intimidate others with, so good luck. Were all here if you ever need us for support and help

Good luck..lots of info here, letter templates and experience..help too..go for it!

You may be exempt from Court costs for reclaim as you are a single parent perhaps on benefits and any charges incurred through Court should be reclaimable also if initially laid out or not. I would also guess that you are entitled to legal aid although remember that they may place a charge on your home as an asset if you use a solicitor to represent you. So you are entitled to ask the judge to wiave the costs under your circumstances. Other than that try to get pro bono assistance legally and or contact the citizens advise for guidance..good luck

im in..ill do it

Midge and Groovy , read the FISA code of conduct and tick off how many numbered terms, Blemain broke. Im still doing ot and counting, il gt back when Ive finished to compare numbers.