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pj almost 50

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About pj almost 50

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  1. Yes I know assets is everything owned by the deceased.. On speaking with the ccard companies so far.. They have specifically said "cash in the bank" As you've just stated its probably not top of their list to chase for it.. If it was half a million quid owed they probably would.. Yes he had a will and no I'm not the Executor.. Mearly attempting to investigate what is correct and proper for a bank to do in the circumstances I've outlined above
  2. This is the minefield I suspect. Credit cards are unsecured debts and the debtor has died. So there is no one to chase for the money.. The biggest asset (the house) my mother lives in. I doubt a CCard company would persue attempting to secure a charge on the house through the courts. He has two other credit cards and one has been written off immediately (I have written confirmation of that) the other basically said if there's some money (cash in the bank) we'll have some, if there isn't please confirm that and that's the end of the matter.. "assets" are referred to as cash in the
  3. Correct I have.. Covid 19 has put normal response times under pressure. Even the post office is only delivering mail every other day.. Had no mail since last Friday Hence I'm expecting something today.. The reason for my original post was I doubt a letter mearly saying," please friendly and nice bank pay the funeral costs first and whistle for any remaining debt balance" would achieve the desired affect. So I asked if anyone new if any rules, acts or the like that would force them to if they didn't....
  4. I'm awaiting a letter from them setting out the position.. I attempted to phone them on Thursday last week as they had written to my mother detailing the credit card details and said they hadn't received a death cert, which were certain we sent. Anyway it was a recorded message due to covid 19 etc the call waiting time was an hour. So I hung up. As above though, it's wise to communicate in writing. I'm expecting something to land on the mat any day now. See what they say.
  5. Thanks HB Having read this bit from your first link.. "WARNING: If an organisation such as a bank has multiple assets, e.g. a current account, a savings account, a credit card and a loan, they can legally put all those accounts together to discover if there is an overall positive or negative balance. Therefore it will probably not be possible to use money from a savings acount with money in it to pay for a funeral, if there is an overall debt to the bank." Based on that I'd say that Barclays will lump it all together. Find a positive balance of approx £150
  6. I've been told that by someone however, the lady I spoke to at Barclays basically said it's the other way around.. Communication with Barclays is slow at the moment due to staffing levels and people trying to get through on the phone re' other issues.. As an absolute minimum I'd expect the funeral costs to come out of my late father's estate then what money is left pay the C card debts. As yes as you say they are and unsecured debt. I'll update as I learn more directly from Barclays over the coming weeks..
  7. Unfortunately, My Dad always "knew best". Wouldn't talk about finances nor take advice. I told him some years ago to transfer any balance onto a different lender. Obviously, he didin't The difficulty here is there are terms and conditions for both his current account and credit card accounts.. I thought it would be a hiding to nothing but thought I'd ask the question.
  8. Hi Guys and Girls. It's been a few years since I've posted on here. In February this year unfortunately my father passed away. Im in the process of sorting out his financial affairs, having notified Barclays of his death his accounts are all stopped. He has a savings account, a current account and two barlaycards. One credit card with a balance of approx £6000 one with a balance of £750 my mother is also a card holder on this account. He has Approximately £8000 in his savings account. On speaking with Barclays their imm
  9. Ha Ha, The Halifax??!! Have a look at the terms of service for a basic account customer.. They dont allow you to deposit money or a cheque at their tellers windows, paying in must be done in an envelope through a machine!! They may as well say "sub humans" this way >>>>> I only breifly read their terms of service, so I may be wrong but that is how interpreted it!! Yes I have the name of the chap who is in charge of customer complaints... I only want to save the account because it is easier than changing.. Cheers Paul
  10. Hi Bombaymix, Thanks for that, I was after something to make the co-op realise that I actually pay in (about 50 grand a year), but they use virtual money so not bothered... Which really peed me off!
  11. Dead easy...... BARTER your skills and services!! No money needed, No tax to pay, on purchases or earnings! Swap Shop without Noel !! Showing my age here. Think about it, start in your street, road, close, or wherever you live! Stop using money! Don't use SUPERMARKETS, or GAS/ELECTRIC companies, dont buy petrol/deisel, £7 a gallon???? plus road TAX, insurance? have you ever tried to claim? It's all MASSIVE profit on S H one T for very litgtle or sod all !! The Government is Bust, Banking is bust, B&Q and Tesco's etc can only employ so many...and their p
  12. Hi All It is some years since I have been on this site.. So long in fact I have a new email addy and have hade to re-register. I had some succes with recaliming bank charges which i am grateful to the site for. But I did lose two claims It's 3:00am saturday morning and am trolling through all the threads.. A lot has changed over the years, but hey if you dont ask.... I have had a cashminder account with the Co-op bank for about six years (aniversary in May this year). Being broke all the time and sruggling to keep afloat (self-employed) I'll be honest i "flew a
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