Father-of-two Richard Fletcher, 50, was recognized with mind most cancers in January 2017 and regardless of present process chemotherapy, was given a prognosis of simply 18 months.
Suggested to assert his life insurance coverage, Mr Fletcher went to his financial institution to switch £49,000 to his mortgage lender to verify his household have been safe of their residence in Newport Pagnell.
Sadly, Mr Fletcher by chance transferred the cash into the account of glass fitter Scott O’Neill, 44, residing in Stanford Highway, Luton, who had just lately been employed to suit a splashback within the household’s kitchen.
“Richard was livid with himself for his mistake,” mentioned spouse Patricia.
“He’d had Scott’s account particulars in his pockets in addition to these of our mortgage supplier, in order that he may pay him for supplies.
“It was so arduous watching Richard worrying over cash when he ought to have been having fun with the little time he had left with us.”
After two weeks of ready to listen to again from his mortgage lender, Mr Fletcher realised his error.
He was instructed by the financial institution there was nothing they might do, as they didn’t cross-check beneficiaries’ names with account particulars, though its programs have since modified.
By this time, O’Neill, beforehand of Sanfoin Highway, Hemel Hempstead, had already spent half the money earlier than giving the remainder again.
“Scott repaid half the quantity over the following few days, however admitted he had spent the opposite half,” mentioned Mrs Fletcher.
“He mentioned he thought the lump sum was an insurance coverage pay-out he was awaiting.
“It was agreed between us that he would repay £1,000 per thirty days till it was paid off. However he wasn’t forthcoming and he was getting irritated after we contacted him.”
An additional settlement to repay £200 a month was additionally ignored, and Mr and Mrs Fletcher have been compelled to trace down O’Neill after he modified his handle.
Mr Fletcher’s mind most cancers returned in March 2018, and through this time he and his spouse have been weighed down present process civil proceedings by way of Luton County Court docket.
Sadly, Richard Fletcher died on October 29, 2018, with the matter nonetheless unresolved.
O’Neill filed for chapter and a discover was printed within the London Gazette on November 12, 2018, only a month after Mr Fletcher had died.
Mrs Fletcher succeeded in gaining a County Court docket judgment in January 2019.
Nevertheless, she has not obtained a penny of her husband’s misplaced money.
She mentioned: “We tried completely all the things and it’s a really arduous reality to simply accept.
“Solicitors are unable to do something additional as he has declared chapter.
“I’ve now been instructed by the official receiver that because it’s greater than 12 months after he was declared bankrupt he is not going to be pursued…they’d no sources to analyze it earlier than the 12 months.”
O’Neill was approached for remark by the Luton Information however didn’t reply earlier than our press deadline.