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Gwolst77

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  1. Just to clarify a few things We already have the money from my mum's bank accounts, Santanscare closed the account and transferred the money a few days later. The bereavement team at the bank said as it was under £50k (I'm pretty sure she said £50k but may have misheard £20k) there was no need for probate, TBH it was a very straightforward process I went into the branch on the Wednesday morning for about 45 mins and it was all sorted, the account was closed on Friday and the money was in my account on the Saturday morning. The payments for the DCA's were via Direct Debt, hence the letters from them regarding the DD's being cancelled and to arrange alternative payment methods. The payment amounts are token gestures of £3 and £5 each and have been running for probably 10 years. I have noticed today on her the bank statements a Standing Order for Capquest for £3, I've no idea about that one, as all I have is the transaction record on the final bank statement to reference. So far I have not been told officially by anyone or organization that I have to apply to administer of her estate, the only outstanding items left regarding monies coming in are two funeral plans that need to be claimed which total about £7k. I do have to fill in a form regarding administrators/executors to close her private pension down which I received today from her pension company. It's annuity that had been running for a long time and our understanding based on what our mum said is we will not get anything from it when she passes. Regarding mail being redirected etc. Once it ends all that will happen is it will go to the previous address and the people there either can bin it or RTS it, which is what virtually everyone I know does when they get mail for previous tenants/owners.
  2. Yes that is correct, everything in her name relating to these accounts is going to her old rented address she moved out of last year (September 2021). If the redirection was not in place I could be totally unaware of this situation. There are no records as my mum shredded everything and left no records of any debts, well that's my official line and they would have to prove otherwise.
  3. Letters are all going to her previous address before she moved into sheltered housing last year, the only reason I have seen the letters regarding the DD being cancelled is because of the redirection. I will be handing the keys back in a few days time and that is me done and dusted with the place, I have no idea how long the redirection is setup for but the maximum time I think you can do is 2 years (or it may be 18 months)
  4. So my mother passed a few weeks ago, it was sudden but she had been very ill and was under palliative care but we was all expecting her to live another 6 - 12 months. There was no will and when I closed down her account she had approx £16k which was savings and a surplus in her current account. There is also about another £7k to come via some insurance policies once I get that the paperwork sorted. Now she has some outstanding legacy debts with Moorcroft's which date back from around 2009. These were originally from Halifax relating to overdraft and credit cards that defaulted due to her having to give up work suddenly due to ill health if I remember correctly and before you ask she did get PPI back on those accounts. I've just cleared out the last of her things and found some direct debt cancellation letters from last week that have arrived via the post and I was wondering what my options are? Just so we are clear 1. There was no will so I'm next of kin dealing with everything, I have not signed anything formally relating to dealing with her estate etc. 2. The DCA accounts are registered to my mum's old address she moved from back in September 2021, she had a Royal Mail redirection still in place so nothing is directly linked to her final address 3. I have not contacted any of the DCA's as far as they are concerned mum is still with us only her direct debt has been cancelled 4. My guess is that she owed to the DCA's around £10k - £12k across two maybe three different accounts. Looking at the bank statements these are payments of £5 per month 5. There is myself and my sister that will split any remaining monies once all funeral costs, rent, utility and benefit over payments have been settled. 6. There are no property or any other types of assets involved and she was living in sheltered accommodation provided by an housing association at the time of her death. Obviously I would rather just ignore the letters for the DCA's and I am not sure how they can trace anything back to me and even if they did, do they actually have any options to take things further?
  5. Hi everyone. now it looks like the war is finally over and I won all the various small battles, thanks to everybody who has given advice and a donation is on the way as you are all stars for what you do. Just one thing outstanding, how do I go about removing the Account Query Cabot have left on my account from last year as its still there? The debt was statue barred 13th March 2019, but they insisted that it was 20th May 2020 due to the 'unknown payment' hitting my account that was recalled/refunded back to the account that had made the payment a month later. Based on the advice I received here I said prove it (and as expected) and nothing actually happened regardless of demands or offers being made by them. I've just left things as they are as the account query is not negatively impact my credit record/score, and I saw no point engaging until well after the 20th May. However I will be hopefully mortgage hunting in August/September, I do want this account query to be removed by then. Seeing that they have never established that I am liable for the balance and also that the default expired last November. (So there should be no trace of this account in my credit history). Attached are a screen shot from Check my File (it's also on Clear Score) and also a picture of the last letter from Cabot specifically regarding this matter. As you can see the account Query was placed in May even though I did not have any contact with them until July and last update was November (which is when the default expired). So I have a new entry on my credit report for an expired defaulted balance/account that expired last November and from my understanding if I do nothing this will be there for another 5 years. The last contact I have had with them regarding this was 25th October (letter attached) but I have received the usual 75% balance discount offer letters in November 2019 and March 2020. Would I be right in assuming there is a template letter I can use to complain to them and also next steps if they don't promptly remove the account within a reasonable time period? Thanks again!
  6. Yes I understand that, my point is why is the account still be reported on 6 years after the default date has passed regardless of the SB date. The default expired 4th November, Cabot put a query on the account the 7th November so it is still showing in my history, my question is why are they doing it?
  7. Hi all Update, so they still have not provided any statements/documents etc regarding the account (I have the original SAR though) and since the beginning of October I have received a letter stating that they believe the debit is not SB because a payment of £340 was made April/May 2014 (this is credit and refund mentioned earlier in the thread). They have so far not received the statements etc from the bank but will forward them on due course, but if I should contact them to arrange a payment plan. I have since had a offer of a 50% settlement and then last week a 75% settlement. My view is that they are just hoping I will bite and pay them something but that is not going to happen, I have not communicated to them since that single telephone conversation back in July. The one thing I have noticed when I use Check My File is that the account status was changed November 7th to Query at Equifax, even though the default expired on November 4th so it should have disappeared by now. The original Satans Bank default was removed on time, but the Cabot account reference is still there albeit not negatively impacting my score it just has a status of 'Q' against November and the balance showing. There is no history showing before November it almost looks like a new account was setup with a Query status against it. Does anybody have any idea of what is going on here? The cynical side of my is thinking they are forcing me to get in touch with them in writing about the account before their incorrectly perceived April/May SB date passes. I know Equifax does take longer for updates compared to the others agencies and in a few weeks it may be gone. I'm just wondering what peoples views are, personally my credit score is almost in the excellent bracket and I'm not planning to get any credit soon so it makes no difference to me for now.
  8. Last payment on the account was mid March 2013, so yes about 9 months till they defaulted and closed the account. For a good 4 months before that, the account was in serious arrears with just little sums of money going in sporadically but they kept on racking up the OD charges each month which far out weighed any credits anyway.
  9. Thanks DX Default date is 11th November 2013 (when the account was closed)
  10. Hi. I have an alleged debt for an overdraft that was sold off to Cabot a few years back, the debt according to my account statements (I did a SAR) was SB in at the beginning of this year and the default drops off at the end of this year. Did all the usual things like ignoring the fishing letters and the odd call. However today I got a unexpected call from a landline and answered it thinking it was somebody else, it was Cabot want to speak blah, blah, blah. I asked what it was in connection with (knowing what it was actually about) and ended up telling them even if they could prove the ALLEGED debt was mine it would be SB anyway. I was told they had a payment in 2014 showing so it was not SB. I know this was false, as I have a full statement showing the last credit was on the account and the account was closed 2013. So stated it was SB again and if they thought that they had a legitimate claim against me then ultimately then need to prove it and take me to court. I've double checked the SAR again (every page and its a big pile going back over a decade) and all looked fine until I came across a few screen dumps/shots from a computer system (so not the typical statements you would see) but print off's from a dumb terminal system showing a single payment of nearly £400's that I have no knowledge of mid 2014. It just shows a credit of £XXX. I've also found a two internal email/system print offs showing a recall request from a bank was received and a refund cheque was issued just a few months later (which was cashed). The balance they are chasing, is for the sum after the refund back to the bank was issued (so the original sum) Where do I stand as in summary? Overdraft was taken out back in 2006 SB was early 2013 - So well over 6 years ago Account Closed later 2013 (when default was issued) - Just a few months and it drops off Some unknown random payment was paid in mid 2014, outstanding balance was reduced and then that payment was refunded a few months later. The outstanding balance was increased back to the original sum, which is the sum Cabot are chasing. All my proper account type statements only show data until late 2013 when the account was closed, the only record of this payment and refund comes from screen dumps and print outs from internal systems mid 2014.
  11. I'm currently in the middle of reaching an agreement with them I have solicitors involved. This agreement once signed off should hopefully put the matter to bed, I am very happy with proposed agreement but it will be subject to a NDA once finalised.
  12. Thanks Andy, it does seem they are waiting for me to admit to the debt and come forward with some sort of offer of payment. So I will keep stum for now until I have to respond. If they do lift the stay, at a high level what are the next steps for me?
  13. Sure, I won't bother with account transaction history dump has it's just dates of payment dates and what was ordered etc, and is over 10 pages long (and everything looks in order) docs1.pdf
  14. Not sure what you mean by you post sorry Nothing is redacted in what they sent, I removed any personal information from the covering letter. But I have recieved 1 page of the signed CCA (photocopy but the signature looks correct) multiple pages of the account transaction history Copy of the NOA from Next Copy of the NOA from DMA
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