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About Caro63

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  1. Hi, Me again...have sat tight and ignored letters from Trace. Now have received attached from BW Legal threatening me with court action if I don't reply and pay them by June 19th. I'm not sure what to do - I don't want to go to court, and tbh no idea what I did/didn't pay it was so long ago....and no proof anyway. Such a ridiculous amount over a £1.50 parking ticket. Please can you suggest my next move, would be grateful for help! (and what to write - to confuse things I'm not living at the address where my car is registered, but not insured there - its my house, I pay for it but live elsewhere - if I write to them I assume I use that address?) many thanks.
  2. As advised on here I have ignored all the letters and now have a 'Final demand' from a company called Trace Debt Recovery for £160 - not v nice - do I continue to ignore or offer to pay? I don't want court fees or a CCJ at the worst! Thank you
  3. Tried to get credit file - was very complicated but I think you're right that's going to give me a better overview of the last 6 years than anything else, so might pursue that first.
  4. Yes I've got the last years bank statements might request last 5 years as well - good point, thanks very much - not seen anything in the last 12 months, he was quite unwell, and in hospital hence the financial mess as I live miles away and my sisters overseas, so our priority was his health and not his finances!
  5. Thanks - I've read they're a bunch of idiots - I'm happy to tell them top get lost if I know where I actually stand with these debts as I've got a feeling they're old debts anyway. its just a pain as I've got three of these debt companies hanging over me (lucky me), and its like unfinished business. I can't distribute the funds unless settled really Yes, annoying that Santander and GE both responded but MBNA won't. I might phone them on Monday and as you say write another letter as I want to get the estate settled - but I'm not willing to pay debts that aren't valid any longer!
  6. I get what you're saying - However, as an executor I think I have a duty to pay these if there's some money left in the estate don't I? Having dealt with Engage credit for the mortgage and trying to reclaim GE money £5k charges, I'm stressed and upset that they would lend to someone in their eighties and think the stress for him didn't help his health (and he hid it from me and my sister!) - I don't want debt collectors coming after me basically at some point in the future if I spend all the money
  7. Hi all, I'm struggling to manage my deceased Father's debts as the executor. I'm left with a complete mess of paperwork. There is a little bit of money left in the estate but I'm unwilling to pay up to debt collection agencies unless I know its legit having read some of the threads on here. Santander responded to my SAR request and I've traced back a debt of £2131.92 that was with Hoist, and has been sent to Philips and Cohen since he died - they've not contacted me. However I see the original debt for £3000 dates back to 1999, but the Santander info stops in 2008, 10 years ago - how can I find out what happened in between and if he ever paid anything - I assume if he didn't its now out of statutory 6 years? Any advice gratefully received as I'm currently chasing MBNA and GE money and its all v stressful! Letter/info scanned and uploaded. Thanks very much. scan0042.pdf scan0043.pdf scan0044.pdf
  8. Hi, Im trying to unravel my late father's very complicated finances, as I'm his executor. I found a letter from Hoist Finance dated from last year stating they own the account, with an outstanding balance of £2131.92. When I phoned to say he'd died they told me it would be passed to 'Philips and Cohen' - this was mid-January and I've heard nothing (luckily). Having read these forums I then wrote to MBNA requesting all his account data but they replied stating the 'GDPR only applies to personal data relating to a living individual'. is this true?There's also a letter relating to another MBNA debt from Link Financial, so they have sold the two on. I need to know how old these are etc. Letters scanned and attached. The reason I'm confused is I've also written to Santander (using the same template letter) and have received all the loan info so they obviously have different rules! - I'm not willing to settle anything unless I know how old these debts are and what they relate to. We couldn't find any paperwork at my Father's house. Any advice as what to do next - I did send certified copy of probate certificate with my requests. Many thanks for reading! scan0041.pdf scan0040.pdf
  9. Hi, Apparently company GDPR rules don’t apply to deceased people so they won’t send me the information [im an executor and have probate) - any ideas how I can get get info as otherwise I’ve no idea when the mortgage was started etc. Same issue with two MBNA credit cards or loans which are with link financial and Cabot that I’d like to pursue PPI for. Thank you
  10. Thank you. No the cars never been leased it’s all mine! I’ll put together a letter making the points you have suggested, great advice
  11. Edited files uploaded NCP Form front.pdf NCP Form back.docx.pdf
  12. Thanks - thought I’d removed my address. Without being stupid what do I have to delete?
  13. Advice please - I parked in NCP Barnet on 27.12.18. No barriers and am not local, but local friend I was meeting assured me it was pay to park...….thought I'd take a photo of the location number, finally found a machine - weren't any notices, and then tried to pay at the machine. Was as number plate one and despite several attempts could only pay £1.50 ……..then received PCN to keeper last week. Anything I can do - I think I prob underpaid by £1, and I know its my fault, but £60 seems a bit steep! Any help gratefully received, Many thanks Date of the infringement 27/12/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Date of sending is 18/01/19 3 Date received 21/01/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] No Have you had a response? [Y/N?] post it up 7 Who is the parking company? NCP 8. Where exactly [carpark name and town] Spires Barnet For either option, does it say which appeals body they operate under. It says complain to NCP There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE- BPA If you have received any other correspondence, please mention it here I have not received any other information but the letter does say that if payment is recieved within 14 days then I could pay £60 instead of th £100 they intend to charge. The letter also says that if I want to appeal I must do so within 14 days.
  14. Hi Everyone, Tricky situation, but I'm hoping for some guidance, found a few bits of info on here. Unfortunately my father passed away last summer. I am joint executor (with my sister who lives overseas). Here's the background but unfortunately I don't have much paperwork - He had a small bungalow worth £225k but also a £162,500 mortgage. This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only. He wasn't great with money(his whole life tbh) and soon fell into arrears. In 2006 it was sold on to Engage Credit. We are about to finally complete on the sale, and once all his other debts are cleared there's not going to be much left. We have managed to get Engage to refund £320 in fees. We're trying to establish when GE sold it on. Engage say most of the fees were GE money. There are £3554.30 in fees, plus £2703.72 in arrears. I do have comprehensive list of the fees/arrears dating back to 2006, but its hard to see who charged what, and when it was transferred. I'm so angry with companies like these who mis sell to elderly people who clearly can't afford the repayments, and my Dad was v clever hiding the full extent of the debt from us. My questions are: 1 - Can I do anything as an Executor as the whole thing is so unfair? 2 - Why the mortgage for such a large amount was sold to a 70Yr old - as the house can't have been worth anywhere near that in 2004 - I think it must have been mis sold (He only had a state pension) 3 - How can I trace who sold the mortgage? Can I report them to the FCA?[/left] 4 - Can I claim back fees retrospectively from GE Money (I've read the 2010 ruling on here) or doesn't it apply if the mortgage holder is no longer alive? With many thanks and best wishes, Caroline
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