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About Caro63

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  1. Hello, I am dealing with my late Father's tangled financial affairs. He was in a mess with lots of debts, but left v little paperwork. I am an executor, and there is some money available, but I seem to be dealing with debts that are years old, with no paper trail or original agreements, so am loath to pay. Recently received a letter to him, from Cabot (having his post redirected to me), offering a settlement amount of c£300 for a debt of almost £4k. I wrote informing them my Father had died, and I wanted to see a copy of the original loan/cc card or whatever it was, and a list of payments .I received a reply stating they'd now passed it to Philips and Cohen (!) to deal with. I attach the letter and list of transactions. From what I understand my dad had a loan or card in 2001 with MBNA and no payments were made after 28/02/2013. is it statute barred? Any advice - do I ignore it - I am dealing with another Philips and Cohen debt that I've asked for a copy of the original credit agreement and payments (in May) and am still waiting for a response - is it dangerous to ignore them - do I make an offer? Thanks v much. Cabot july letter.docx.pdf Cabot trnasactions 1.pdf scan0067.pdf scan0068.pdf
  2. Ok I'll save another forest and keep quiet until I hear anything - thank you!
  3. Thanks for all the comments above....slightly unsure what I should actually do - Do I write back/ignore/quote case law? Just checking.
  4. HI, I've received a reply to my letter, which was worded as suggested above. How do I proceed as they say they still hold me liable for £160? Thanks very much. Have attached their letter. scan0064.pdf
  5. Thank you very much for taking the time to answer, I'll send off the reply and hope for the best!
  6. 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.
  7. 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
  8. 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.
  9. 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!
  10. 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!
  11. 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
  12. 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
  13. 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
  14. 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
  15. 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
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