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    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
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    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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RBS, outstanding personal loan balance of deceased family member


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A family member recently passed away suddenly with an outstanding balance on their personal loan a/c of £2,000, £400 in their current a/c and £500 in their savings account

 

DWP have contacted me to inform of an overpayment of pension credit of £200 which of course must be repaid

 

Next of kin has been in touch with RBS bereavement service, whom claim they can take the £900 in the deceased's RBS a/c's against the outstanding balance of the loan

 

1. Is this true?

2. What happens to the remaining balance of the loan?

3. Should we inform RBS of the DWP overpayment? &

4. Can the DWP overpayment be taken from the £900 in credit?

 

Advice appreciated

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Honeybee13, thanks for your prompt reply

 

Yes, the loan is in the sole name of the deceased. A memorial fund has been setup to cover funeral expenses. I have looked and there does not appear to be PPI on the loan

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A family member recently passed away suddenly with an outstanding balance on their personal loan a/c of £2,000, £400 in their current a/c and £500 in their savings account

 

DWP have contacted me to inform of an overpayment of pension credit of £200 which of course must be repaid

 

Next of kin has been in touch with RBS bereavement service, whom claim they can take the £900 in the deceased's RBS a/c's against the outstanding balance of the loan

 

1. Is this true? Yes its known as offsetting when the accounts are connected with the same banking group...but they must inform you and ask if you have alternative means

2. What happens to the remaining balance of the loan? The bank will have to write it off if there is nothing left in the estate.

3. Should we inform RBS of the DWP overpayment? & Not yet just pay it fast before they grab theirs

4. Can the DWP overpayment be taken from the £900 in credit? Yes ...you can do it by switch if you have the facility and the account is still open.

 

Advice appreciated

 

Regards

 

Andy

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Many thanks Andy/Honeybee,

 

I suspected as much that RBS can take the money. Difficulty is, next of kin has not yet been granted control of the bank a/c's so we cannot touch any of the money

 

My thoughts are to inform RBS of the DWP overpayment and instruct them to make the refund, or at least freeze that money until next of kin has control of the a/c's

 

Suggestions welcome

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Thats why it always pays to inform the bank last..then the executor have access to funds until probate is agreed.

 

I dont think DWP can reverse...they will require a payment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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