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The Case of Thelma Rance - the Ongoing Scandal
By Paul Rance

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The build-up to my eviction by Aviva UK on March 23rd, 2016

Update - March 13th, 2016

Things have taken a bleak turn for the worst

March the Ist has always been one of the worse days of the year for me. My beloved dog Dano (he's on the front cover of Mother Becomes Stardust with my Mother) and my Mum's best friend in the village both died on that day, and this year it was 50 months to the day since my Mum died. Anyway, there's a knock at the door from the postman, and I'm dreading that it's the eviction notice. It isn't, so I relax for a bit. As I'm thinking a while later it might be hand delivered, there's another knock at the door. This time it's a bailiff, so I just went nuts...

The next day I'm preparing to put a relative's ashes on my parents graves. Before I leave, another eviction notice plops through the letterbox via the postman. I learn that day that Sparkle may have been run over by my next door neighbour too.

March the 8th. 5 years to the day since I was told my Mother had terminal cancer. A letter arrives from Eversheds telling me what I should do re the eviction. They had sent me pretty much the same letter earlier, so they're just taking the piss now.

Anyway, things still ain't looking great. I've not been eating well for a few weeks now, and am getting towards the state I was in last. The bailiff even had the cheek to say that I had been given more time to find somewhere, because "I'd been through a lot." That they acknowledged that makes the treatment of me even worse. Aviva UK/Eversheds haven't a clue how to deal with vulnerable people, bereaved people, or people suffering from depression. They only care about money and avoiding bad publicity in my opinion.

Thanks to the people who have sent me money either through the post, or via PayPal to help me out. I won't forget that. Not only is finding a place to live still a worry, I stand to lose pretty much everything else I've built up over the years - records, books, football programmes, etc. A friend up north has offered me a temporary home, but getting my stuff up there is kinda prohibitive re cost.

Update - February 12th, 2016

I received a letter from Eversheds (Aviva UK's solicitors) about Aviva UK taking possession of my home on Christmas Eve. The possession case was arranged for the anniversary week of my Mother's funeral. Neither were coincidences I believe. Aviva UK knew when my Mother died as they've seen the death certificate, so they would have had a rough idea when her funeral took place. The case was also transferred from Peterborough to Boston at very short notice, and I never received any defence forms, which I believed, rightly or wrongly, I should have been sent. I notified solicitor David Foster about the latter (he was chosen by Eversheds as a defendant re my Mother's home), but as yet he hasn't replied.

Despite my being asked if I wanted to be put on a vulnerable persons register by paramedics, following their visit on August 30th (see letter below and mention in 2015 Updates), Eversheds/Aviva UK have gained a possession order from Boston County Court. They will apply for a warrant of possession next week. Once that is in place, bailiff bully boys have a right to come barging into my home and to "use reasonable force" to force me out. One way or another that won't happen if I haven't found anywhere else to live. As I told Mr. Foster, I will not be made homeless.

Spalding police, paramedics, some nurses and some of my Mum's carers have been compassionate to me over the last few years, but I can't say the same for Spalding Social Services, the Lincolnshire Primary Care Trust and Lincolnshire County Council. While Aviva UK and Eversheds have also caused me great emotional distress. Modern Britain is a brutal, horrible place for a sensitive soul like me.

UNFEELING MONSTERS
By THE PEACE & FREEDOM BAND - Extracts

2015 (Rance/Poseidon)

I'm so tired of unfeeling monsters,
Hiding behind bureaucracy,
No moral courage that I can see,
Just another cog in an uncaring society.

I'm so tired of unfeeling monsters,
Getting their rocks off with their power trips,
Only joy in life is destroying others,
Just lies and deceit for our dying Mothers.

I'm so tired of unfeeling monsters,
You've got nothing to say to me,
Wanna keep my mind and soul free,
While you just died inside for money.

You murder people with a cynical smile,
Just as surely as if you shot them dead,
Delude yourself into thinking nobody bled.

2015 Updates:

Christmas Eve, 2015. Had letters (both the same) from Eversheds arrive on Christmas Eve, re the court date for the possession order. Par for the course. Actually thought even they wouldn't pester me over Christmas, but then I'm human. The harassment I've had from Eversheds and Aviva UK has bordered on psychological abuse in my opinion.

August 27th, 2015. My lovely old cat Sparkle dies and I stop eating. Police and paramedics come round on August 30th after I tearfully told a neighbour: "Don't be surprised if I'm found dead here." I go 8 days without food, and find I can hardly walk up to my parents grave, and there's sad anniversaries to remember around this time. I'm overwhelmed by the love from friends, so all three things get me eating again. Shortly afterwards I get a self assessment form re my depression, but I'm too depressed to fill it in for weeks.

July, 2015. Still struggling to find the money for probate. My thoughts on this below in the right column. Seriously depressed.

January 18th, 2015 was the third anniversary of my Mum's funeral. It was a day I wanted to remember her, but then came a bombshell from Aviva UK a day before. More on that in the coming weeks and months, and my dealings with Aviva's Lee Brett and Sharon Rodwell. Suffice to say, I'd advise anyone to think very carefully about taking out equity release via that company or any other.

2012 was the worst year of my life. My Mum, Thelma Rance, passed away on January 1st, my little cat Gremlin died in my arms in the April. Through all this, the people who caused my Mother deep unhappiness and myself a lot of stress, including thoughts of suicide, have continued to sit back and not hold their hands up.

Here's just 12 reasons for my anger and disgust:

  • Things have begun to unravel since my Mother's death, re financial issues concerning my Mum's temporary care. I've become aware that when someone is terminally ill or is severely disabled (Mum was both) then the NHS were responsible for paying for all of that person's care. This, I know, was changed after my Mum's death, but it still applied to her circumstances.
  • My Mother's Service Option Form here, http://www.paulrance.com/ServiceOptionForm01.JPG, re my Mother's health and admittance to Tanglewood Cedar Falls care home is enlightening - and it states quite clearly that, in the client group, my Mother was classed as suffering from "frailty/temporary illness". The assessor was Mum's social worker, Eileen Bull, from Spalding Social Services.
  • Being terminally ill is not a "temporary illness".
  • The Inpatient Letter here, http://www.paulrance.com/InpatientLetter.JPG, stamped on October 21st, 2010, and printed out on October 18th, 2010, revealed that my Mother had breast cancer.
  • The inpatient letter was kept from me until March 8th, 2011, when a Dr. Nathu of Pennygate, Spalding forwarded it on to Cedar Falls nurse Mary.
  • There was a spelling error that proved to be devastating for me on Mum's Reassessment of Needs from Lincs County Council, which was dated November 12th, 2010. (Extract from my book detailing my Mum's struggles and mine - see below): "Mention was made of a fumigating mass on Mum's right breast, but nothing explicitly about cancer. I looked up "fumigating mass" but could find nothing, so I thought that meant there was nothing to worry about. To my later horror, "fumigating" was an error. It should have been "fungating"...The verb 'fungate' means: "To grow rapidly, like a fungus." For example, cancer. All these months I had been thinking: "At least Mum hasn't got cancer..."" These links lead to the Reassessment of Needs pages:
    http://http://www.paulrance.com/ReassessmentPg1.JPG
    http://www.paulrance.com/ReassessmentPg2.JPG
  • A letter from Lincolnshire Primary Care Trust, dated October 18th, 2010 (the date my Mum was admitted for what was meant to be temporary care) came to the decision that my Mother's prime need was social rather than health. My Mother had inoperable breast cancer and couldn't walk since her stroke, or use a knife and fork to eat her food. My Mother's needs were obviously health. The care panel chair was Ian Tumilty. These links lead to copies of the healthcare funding assessment:
    http://www.paulrance.com/HealthcareFundingPg1.JPG
    http://www.paulrance.com/HealthcareFundingPg2.JPG
    I was told that I could have contested the result at the time, but, at the time, I didn't know that my Mother had breast cancer. Care home fees were to be taken out of my Mum's pension. The assessment was undertaken at Edith Cavell Hospital on September 29th, 2010 by Rosalyn Robson and Eileen Bull.
  • I had agreed to my Mother going into, what Eileen Bull had described as "temporary care", not knowing that my Mother was dying.
  • The care home fees were worked out wrongly by Eileen Bull, which, again if I had known, would have changed things. She also inaccurately said that an appointeeship pension would allow me to access my Mum's bank account to pay backdated fees.
  • Because of an error made by the Pension Service Mum's care home fees were late in being paid. I was expected to pay these backdated fees after my Mum's death.
  • My Mother was also repeatedly referred to, during her final months, by her less preferred name, Maisie. I mentioned this time and time again. On the Service Option Form even 'Maisie' was spelt wrong.
  • My Mum would have wanted to have died at home surrounded by her beautiful cats. That wish was denied her.

Mother Becomes Stardust By Paul Rance

Mother Becomes Stardust By Paul Rance Kindle Mother Becomes Stardust Paperback Amazon.co.uk

Mother Becomes Stardust Kindle Mother Becomes Stardust Paperback Amazon.com

An inspiring book by Paul Rance, who details his Mother Thelma's brave fight against breast cancer and a disabling stroke. This book also details problems encountered dealing with 'the system', within Lincolnshire and beyond, and how the power of music can work as therapy.


The story of a mother and son's last months together as they struggle to adjust to her going into a home after suffering a stroke and later discovering she also has cancer. Written as a journal, this book willl show you what to expect if a loved one goes into care and the problems you can encounter with homes, hospitals, social services, fees, etc.

- Andy Bruce/booksmusicfilmstv.com.

Chapter 10 - Cancer (extract)


Paul Rance Reads Care Home Fees Corruption Blues


Why I'll Never Forgive the System

Anyone who is suffering through the austerity cuts will know that everything is designed to empower the rich at the expense of the poor. It's not just in the UK, but this is how it is and how it's been worldwide since time began. That doesn't make it right, and I can't remember a time when there was so much injustice around. From Hillsborough to the flurry of recently uncovered sex scandals it's been proved that the system protects the powerful. Yes, the system may be doing something now, but many of the guilty are retired or dead, and many of those who've suffered are now shattered beyond repair.

My own dealings with the system have led to my feeling just contempt for every aspect of it. After my Mother died I was, on the one hand, trying to get justice for her, and on the other, because of equity release, feeling under pressure to sell the home I've lived in for 32 years. Probate has since proved to be a word that I hope I never hear of again - once I've actually got it...

Probate costs over £200, and has doubled in cost in recent years thanks to the Tories. The bureaucrats have said that they won't look into my Mother's case until I get probate - which I haven't been able to afford. Now, when they wanted someone to access my Mother's money to pay for her care home fees, i.e. a mug like me, of course no such obstacles were put in place.

I'm my Mother's closest living relative, but the wall of probate remains until I cough up over £200. It'd also obviously be a lot more if I hired a solicitor. Tackling probate is also quite complicated, particularly re inheritance tax. Anyway, if you want to know why I despise a system that only really benefits the rich, then it's all here.

Copyright © 2017 Paul Rance