around 11 months ago Lowell started sending letters claiming money owed to them for a debt they bought from shop direct. the amount they claimed was ridiculously high when i received a letter i simply just binned it. on the 26th April 2016 i received a letter from Cohen Cramer saying that because i have ignored all previous letters from Lowell and Lucas Credit Services (client agent) if i did not contact them within 14 days they would issue a claim in the County Court. I decided to write to both Lowell and Cohen Cramer. I sent Lowell a CCA request I wrote to Cohen Cramer explaining that i had requested the info from Lowell as to ascertain where this debt and the amount claimed had come from. I asked Cohen Cramer to hold court action until i got the info. After i sent both letter dated 3rd May 2016 i received a reply from Cohen Cramer dated 10th May 2016, stating that they had received my letter and that their client has given them a minimum period of 45 days from the date to send the documents which i presume they was referring to my CCA request. I then received a letter yesterday, dated 16th July 2016, attached to the letter was a double sided photocopy of a letter of assignment, but no credit agreement (not even the standard 1 page photocopy with no signature). This was not what i asked for from my CCA request to Lowell. They have now stated that if no reasonable proposal is forthcoming within 14 days then legal proceedings will be instituted. Just wondering if anyone could help and give some advice as i am unsure of what to do next. I was wanting to contact Cohen Cramer again but i am not sure what to put in my letter. any help would be greatly received, thank you for your time Letters From Cohen.pdf

Hi all. hope this is in the right area.apologies if it isnt. Ive received a small claims summons from capquest in regards a debt they purchased off capital one on 30 november 2012. After reading many pages on here, would i be right that the first port of call is sending a postal order for £1 and asking for the CCA? This is through a scottish sherrif court if that makes any difference regards

Hello All, Today i received a letter from my local council leasehold team asking me to pay an outstanding amount within 2wks or face court action. i received what seem like a bill for 2 years in March 2017 i started to query this and they told me it was what was outstanding from a previous year - what year is this? 2015. Before i got to this point it took 2 months and it felt almost like a cover up, eventually someone explained what had happened. In 2015 i was sent a bill £ X, paid by 10 monthly instalments, but instead of applying my payments against the £X they applied it against £0 which meant at the end of the financial year i was in credit of £X 2016 next bill came - bill was less than previous years, i called the council and they told me i have been overpaying and this is why and i should reduce my future payments. 2017 they now want me to cough up for 2015/16 as well as 2017/18 My question is they made a mistake on my account in March 2015 by not applying a debit to my account leaving it at £0, and September 2016 was the first time they wrote about outstanding charges be it they didn't admit any mistake. Can they ask me to pay for something that was meant for 2015 in 2017 and also it has been 19 months after the mistake before they are ask for the payment. Does this section 20B give me a leg to stand on? http://www.legislation.gov.uk/ukpga/1985/70/section/20B I actually don't mind paying just don't want to be harassed about it. Please if any bit is unclear let me know and i will try and be clearer Regards fro

Good Evening, My neighbours and I have just discovered that my house's actual water meter is officially registered as my next door neighbours supply. My official water meter is actually 99's. My next door neighbours official water meter is actually number 99's. Number 99's official water meter is actually my next door neighbours. We have all lived in the same houses since they were built and commissioned with water meters in 2011. We are all aware of our water meter serial numbers as per our bills and information sharing. We have carried out testing together and made the following findings: Me - bill useage 455 m3 - actual 256 m3 My next door neighbour - bill useage 256 m3 - actual 844 m3 Number 99 - bill useage 844 m3 - actual 455 m3. Conclusion: I have over paid 200 m3 too much by paying number 99's useage My next door neighbour has under paid by 588 m3 by paying my useage Number 99 has over paid by 389 m3 by paying my next door neighbour useage We all pay by direct debit. We are obviously poised ready to contact the water company but we are unsure wther to do this as a group or as individuals? Am I due a refund? Can I cancel my direct debit? Call the Police? Demand compensation, charge for access to my house if necessary? Call Ofwat? Sue 'em? Is there a course of action that one can take for these types of scenarios? Thanks for your time? Dave

Hi there, I have just received a letter from Howard Cowen being requested by Robinson Way LTD. The letter is Notice of pending legal action. The debt i owe is £11,834a nd they are saying they want me to make a full payment within 14 days or if unable please contact our client's agent Robinson way to discuss an affordable payment plan. If i am unable to pay this account you must still contact our clients agent RW to discuss your options which may prevent legal action being taken. Failure to respond to this letter will result in legal proceedings being issued without further notice. I obviously have not got the funds to pay this debt and have managed no contact with them for around 5 years. they have however finally caught up with me and are now threatening County court and ccj against me. Can you please advise me on what to do next as i have no clue and i have just been avoiding this debt for so long. Thank you

Hi and thank you for reading this Following a relationship breakdown last year I had the indignity of having my car repossesed by Moneybarn. My boss tried to intervene and talk to them saying that if they did not go ahead with the repo she would ensure that money was deducted at source and sent straight to them. They were quite rude and aggressive (the reason why I gave up trying to talk to them) and rejected this and I allowed them to collect the car from an agreed location. As I had not paid one third of the finance off I acknowledged I couldnt fight them. The car was a 1ltr Toyota Aygo which I purchased for around £6,000. They sold it at auction for £3,000 and told me I owed them £8,000 in interest for the balance of the four year loan. I told them to get on with it! Last Saturday I received a county court claim from Moneybarn claiming around £8,500 from me. As they knowingly sold the car at an undervalue can I defend this in any way? As it is I have nothing to pay them with, I work and after paying my way there is little left especially to pay for non-existent interest. I have until next Friday to respond - yes I know I should have done something sooner but I have been running the office as my boss had to spend the week attending to a dying relative. Moneybarn has to be the most ignorant organisation I have ever dealt with. I have been patronised by someone possibly younger than my own son, spoken at and talked over. This is why I ignored them. I have an anxiety disorder and cannot do confrontation without going to the extreme of caving in or losing it completely. Can I defend this? What can I do? Any suggestions please folks

Hiya all Sorry I am new to this site so hope I am doin this right. I want to firstly say having browsed around previously before joining i have found the information here extremely helpful. I bank with HSBC and over many years have been charged bank charges which i feel are excessive, only last month I was charged £225 in one month and when they took this from my account, it then took me over my overdraft and they began ringing me to ask why i had gone over my limit.. ..i said i wouldn't have done if you hadn't have charged so much. All I have had from HSBC over the last couple of years is hassle! Just wondered what the procedure is to claim these back and can you still do it as I believe they were holding these until a case was heard? Can anyone advise please? Many Thanks

My Landlord, a housing association, is threatening legal action for access to examine a gas boiler in my rooms. I think that the application would go before a magistrates court. My question is do I get notice so I can defend the case? There is no gas boiler in my rooms. The landlord knows this. I have reminded them several times and they don't seem to believe me. It is a case of administrative chaos rather than deliberate harassment. Any ideas, please?

I visited a Barclays bank branch in February. Whilst there, I paid a cheque into my current account. I then asked for funds to be transferred from my current account to my Barclaycard Visa card, in order to clear the outstanding balance. The cashier asked for my debit card PIN, which I had never been given, after which she refused to process my instruction. This is despite my being able to use the card for online payments. By refusing to transfer the funds, the bank had effectively declined to allow me access to my own money. The cashier then said she could arrange for a new PIN to be sent to me, and then proceeded to ask for my mother’s maiden name. I told her I was not prepared to disclose this verbally in a bank full of customers. She then pushed a piece of paper under the window so I could write down the answers to the security questions. Once I had correctly answered them, she proceeded to order a new PIN for me, but still refused to process the payment I had requested. I wrote to their customer services department to complain, and to ask for their assurance that such a regrettable situation would not be repeated. I explained that there is no conceivable scenario under which anyone would attempt to pay off my Barclaycard from my Barclays current account for fraudulent reasons, and of course, nobody other than myself would attempt to do it because the only person who would benefit is me. I then received a text message from Barclays, despite having previously written to them to say I did not wish to be contacted by text. I followed up my original complaint letter and asked them to remove my mobile number from their system. I then received a letter from them in which they acknowledged my complaint, and asked me to confirm that the mobile number they had for me was up to date (yes, that’s right folks, the one I’d already asked them not to contact me on.) I didn’t get a reply to my next letter so I wrote again and asked them for their response. About a month later, they wrote to me and said that because they had taken so long to address the issues raised in my complaint, I was now entitled to ask the FOS to become involved. I wrote back and said I thought it was ludicrous that they were happy for this to happen rather than deal with it themselves. I asked for £150 compensation for the time I’d had to spend dealing with the matter. A few more weeks later, I received a letter telling me they’d finished their investigation. In this letter, amongst other things, they said, “If a customer does not have their PIN with them, we would then attempt to identify the customer by asking security questions instead.” This kind of misses the point I’d made in my initial letter to them, which is that the cashier did ask me security questions, which I answered correctly, but she still refused to process the transaction. The letter went on to say that no bank error occurred, and they thought they had followed the correct procedure. They did add however, that because of the time they had taken to resolve the complaint, they had credited my account with £100. The interesting thing here, is that they haven’t resolved the complaint. The statement in their letter regarding attempting to identify customers by asking security questions is at odds with what happened next. I visited the same branch yesterday, this time armed with the PIN they’d recently sent me. I asked if I could transfer funds from my current account to pay off a Barclaycard balance, a nd when I keyed in the PIN, the terminal said it was incorrect. I offered to sign for the transaction instead, but the cashier refused to accept this. I offered to answer security questions, but this was refused as well. I explained the statement made in their most recent letter regarding identifying customers by asking security questions, but the answer was still no. I told them I’d already made a formal complaint about the first time they’d refused to allow me access to my own money and that I intended to do the same again. By the time I left, there was a queue of at least six other customers behind me. One of them congratulated me for my persistence as I was leaving, and said he’d experienced similar problems with them. On the basis of the above, I have now filed a complaint with the FOS, who were very helpful when I had a dispute last year with Santander, and who obtained a satisfactory outcome for me. I’ll let you know what happens with this one. In the meantime, has anyone else had any similar experiences with Barclays or any of the other banks ?

I had been with Natwest for 22 years and had a black account with the Gold Advantage Charge card. I was advised to become a company as I would be delivering a service through several agencies. Unfortunately, due to exceptional circumstances and include a bad personal relationship left me in debt and I am about £8 -9k in mortgage arrears on a house I rent out and a personal overdraft that was £12k. In 6 months that OD was cleared and both business and personal accounts were in the black. The difficulty in meeting the mortgage department for an arrangement to be put in place was mainly because this period was over the summer, they would meet with me after 5pm and if I called at 4.45 they would not deal with me. I sent in 2 income/expenditure spreadsheets but they clearly didnt see them but I managed to set up a DD for the mortgage online and I met the deadline. That evening all three of my accounts were closed. I called the callcentre and they said they didnt have me on record. I tried to log a complaint and they were too busy on the Friday but promised they would be in touch the next day. They never did. As a prelude they stopped my access to online banking even though there was no way of spending money or transferring out into other accounts so it made knowing where I was financially and who had paid me and hadnt. The worst thing is that I couldnt operate, I need supplies, sundries and I was without any money to buy food or even some milk. I told Natwest this but they told me all my funds were transferred into the mortgage. It took a further 3 months to work out what had happened and the cause was not offered to me by the bank whose level of investigation was looking at the screen in front of them whilst on the phone. They hadnt cancelled the previous direct debit so every month the original arrangement would draw funds then the older previously arranged dd would be rejected. This was recorded as a default. I tried to make it clear to them there was an arrangement in place, it utilised a payment system set up and approved by the bank and it was their job to find out where the money was disappearing to every month for three months instead they left it to me. I complained about being oushed further into hardship by continued charges I had no way of keeping track of as the online facility had been taken away four months before they closed me down, failed to log 6 out of 8 attempts to complain and didnt care that I had not a penny for two weeks. They tried to issue a repossesion order and I wrote in to the lawyer to say that was illegal as the account was under dispute. In the meantime, I asked for SAR to get all the account information and after three months all I have is mortgage account copies. The lawyers are now calling me and I am sure its about instructing me to pay the arrears within the week or they would issue a repossession order on the house. They cancelled the direct debit that existed so I was conscious to keep puttting funds in every month but trying to function without a bank account lost me more money and irretrievably lost more clients. I am expecting a lump sum of money that will clear the arrears but the knock on effect meant that I was late paying my suppliers and one has taken a county court judgement out against me and bankruptcy is where I am at if I dont have some means of a reprieve. Yes, they said that if i didnt have an arrangement in place my account woud be closed and they talked about recovery. Sounded to me it was going to get better! The arrears werent as much as my overdraft which i cleared in less than 6 months and they had said the the charge card was a different legal entity and when I called the credit card company customer services before they closed my accounts they said that there wasnt any money owed and that it would be fully operational once the mortgage arrangement was in place. That wasn't true and I also lost my 36,000 reward points as I had no online access and frankly more serious things to worry about. i cant really afford a litigation lawyer at the moment and have little faith in the FSA from what I am reading. The banks replies to my complaints are to issues that weren't raised and they have not taken notice of my plea to allow me access to funds I had to eat and drink. I was not notified clearly that every account would be closed down and as far as I am concerned there was an arrangement in place that obviously isnt integrated into the RBS network as they couldn't see that the money had been taken from the holding account and HSBC provided a fast pay reference number. You cannot open another bank account if you have mortgage arrears is what every other bank told me but once I called the Business Debtline they advised me to walk into a bank and ask to open an account. Why didnt the other banks suggest this to me? A week after submitting an application form for a Cashminder account with the coop was i able to restart rebuiding what Natwest pulled down.

Hi all, Wondered if anyone could help, Around half a year - year ago I signed up to virgin active on a 1 year contract. Long story short, Life caught up with me and I couldn't get there at all, I think I made the monumental mistake of cancelling the DD directly with my bank and not telling the gym. I understand this may have been the wrong way to handle the situation but I had a lot going on at the time (personal issues with my health). Arc Europe are now contacting me and are threatening court action etc and I am unsure the right course of action to take now... I am not financially fit to be paying back the money they're asking for (£280). Any help/ advice at all would be appreciated. Kind Regards Lo

Sorry Guys first time of using this so I apologise if its a bit of a ramble In 2002 I took out credit card with Cap 1 my credit limit went up to £1200 all was ok till around 2007 when I was at my limit but not over when interest and insurance payments took me over the limit I carried on making payments but now I was getting over limit fees as well as the interest and insurance charges. In 2008 due to the economic climate my employers cut all overtime and bonus payments to preserve jobs. I could not at the time afford to clear the over limit amount despite speaking with cap1 about the fees they were charging I was told I need to clear the over limit to stop any further fee so with a balance of approx. £1800 I stopped (poss. wrongly) payments as the actual loan amount must have been paid and the rest was just interest charges and insurance. in 2009 my account was defaulted with a balance of £2150 fast forward to 2012 when my account was sold to Lowell. they contacted me I sent a letter saying I do not acknowledge any debt. to them in my opinion the balance was charges and interest and insurance and I suggested they contact Cap 1 for payment I also requested copy of my agreement and a list of charges etc. I never received this. I would receive the occasional call from them I would say im not paying put any comments in writing I have now arrived home from working in Scotland to a county court summons dated 16 March from Lowell Solicitors on 2nd April I have sent an acknowledgement disputing the claim. I now have until the 14th to file my defence this is where I need your help do I have a defence? another prob I think I have is I have shredded all old paperwork its over 6 years old and I have changed bank accounts so I have no access to payments etc. you help would be appreciated even if its to tell me I need to pay up thanks

Dear all, I am new to the forum and in a bit of a panic. I just don't know what to do. We have been in a debt management plan since 2008 and so since then I of course have not had any credit. I've had a letter from Shoosmiths and now a Court Claim via Northampton County Court Business Centre about an Overdraft I supposedly had with M&S. I thought this strange as I have never had a bank account with M&S. The Particulars of the Claim actually state: The claimant claim is for the sum of £4219.76 being monies due from the defendant to the claimant as a consequence of the defendant incurring an overdraft whilst operating a bank account. It says the debt was assigned to them on 30/1/13 and it says they notified me of that but i have no record of that. I pay another debt to Arrow Global though so I may have received something and assumed it to be part of that. I just don't know. I did have a Personal Reserve with M&S but this was operated like a loan. There was not a bank account. The sum of the Personal Reserve was approximately £3000 but this has been part of the Debt Management Plan so I have no idea what this refers to. I sent a letter to Shoosmiths stating I din't know what they were referring to and that if it is true it is a very old debt so queried their legality in asking for it. I think we crossed post with this court summons though. I've said to the court I will defend all of it but I have to write a defence and I don't know how to do that. Can my defence be that I have no knowledge of that account and have asked for them to prove it is genuine? Losing sleep over this and have that awful sick feeling in my tummy. I don't shy away from my responsibilities and have paid back over £20,000 in debts. I would really appreciate any advice you could give me.

Sent of D P A letter, just recived letter back from G E saying this is not their account and returned the £10 I sent it to Sarah Wainwright GE Money Data Protection Administrator PO Box 700 Leeds LS99 2BD Does anyone know if this is correct address.

Hiya all, Trying to help my brother out, He has been issued with a money claim alongside a section 8, They are for differing amounts but issued on the same day which is odd I am going to help him out with responding but a quick technical question should a letter before action have been sent to him beforehand? I know it is practice for companies but not sure if applicable to rent arrears? Also worth saying he wrote to LL on date it was issued asking for a rental breakdown as he disputes the amounts ( especially as different from the section 8 ) and it was signed for the day after ( 13 days ago ) he believes the LL has applied his own charges and then implemented them without a breakdown to him. I am assuming he defend it on the basis that the LL has not responded to his asking of a rental breakdown/ any charges applied?

Been In consultation, a protocol due soon. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/472908/pap-for-debt-claims-consultation-november-2015.pdf

Hi I am in a bit of a mess and would like some help if possible. I have a very old loan of around £7000 which a ccj was gotten on some time ago. Due to other issues I had forgotten about it until recently. Unfortunately the solicitors are now looking to take enforcement action. I know I need to pay this off, but money has been tight. I realise I need to start paying something however I currently have mortgage arrears, water arrears and other current bills to pay. Additionally I have been signed off work for weeks now with stress. I could afford £10 a month for now, do you think this would work until I can get my health and other bills sorted. I don't want to ring them to discuss it so would be looking to write to them. any help appreciated with the amount or what to write.

Hello CAG, I hope someone can help me I have received a Letter before Action from PRA formerly Aktiv Kaptial for a MBNA credit card I opened in 2006 online for £3300. Due to unemployment the credit card defaulted in 2012 with MBNA and the last payment made via a Debt Management Plan was in March 2013 to Aktiv . I made a CCA request and they provided me with the attached documents with t&c's. I have responded to their Letter of Action using 1st class post on 3rd December 2016 but no response yet asking for copy of the original credit card agreement, default notice, notice of assignment and details of last payment. Prior to the Letter before Action I have been offered a 50% discount. Can you help me? merged.pdf

Hi, I'm hoping someone can give me some advice. I have an old MBNA debt which I defaulted on in 2010. Since then I have religiously been making pro-rata payments up to and including this month. MBNA sold the debt to Aktiv Kapital who in turn sold it to PRA in 2014. I know that PRA have been receiving my payments because they sent me a letter towards the end of last year saying "...thank you for your ongoing commitment to the payment arrangement on your account". It goes on to say "....We would therefore like to make you aware that if it suits your current financial situation, you could settle your agreement by paying a discounted amount which is detailed below" The letter ends with " If you feel you are unable to pay the settlement amount then please continue with your arrangement as normal." Which I have done! However, on the claim form they state "..Payments of £307 received up to 16/6/16" and are now claiming sum owed plus 8% interest + court fee + legal costs. I know I have not missed any payments because my bank statements tell me so I know they have been receiving them because they wrote and thanked me for my continued commitment 4 months after the date that they claim they received last payment. To say I was shocked and confused to receive the claim form from the court is an understatement. What's going on? and how to tackle this? Any help would be appreciated.

After checking out of a property about 9 months ago (after a 2 year and 5 month tenancy) we received a letter of claim from the landlady. We negotiated through the Agents and came to an amount which we both agree to be a fair deduction from the deposit. (Although we believe we were very generous). The Landlady refused any offer and said that she want to take this to court, and after 9 months send her letter of demand. She refused any input from a mediator like the TDS and did not even received our responses to the agent about a number of the issues on the list of claims. Therefore her claim do include things which are irrelevant because of her lack of knowledge as a result of her refusal for any negotiation. The deposit was £1600 (which now has been fully returned to us) but she claim £8300+. Many of the high claim items is round figures plucked out of thin air and zero information where it come from (like quotations, costings, etc.) and there is anyway no way that, should we agree to the issue, that the cost will even come to close the amount she claim. A solicitor send her a letter asking for calculations and evidence where the cost is coming from. The solicitor also pointed out to her that the court will frown on her refusal for negotiation. Her response once again illustrated that she is clueless with once again nothing to substantiate her amounts. I am very happy to see her in court and many of her claims will be very easy to shoot down but I have a few questions. Filing a claim of this amount and going to a hearing will be expensive. We will make her a reasonable offer (on the same basis as before) but what will happen to this costs? If the judge accept our proposal, or order an amount slightly more, will be require to pay these costs? I will really appreciate it if someone can give me more clarity on this.

Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my electronic patient records. This information is categorised as highly sensitive information as defined under section 2 (h) of the Data Protection Act and the Trust seemingly recorded this information unlawfully. Their response however is that the processing of this information was 'necessary for medical purposes'. The criminal matter has been long since disposed of in my favour however the Trust are continuously processing this information wherever and whenever possible. I am not clear on whether or not explicit consent was needed here. It seems to me it was. I should be most grateful for any input.

Hi Guys, I just got this from MMF. CURRENT OUTSTANDING BALANCE: £1777.50 Our efforts to contact you are becoming exhausted as we have made several attempts to offer you a repayment solution and even a discount. In light of this we are preparing your account for one of the following possible actions: Legal Assessment - your account may be sent to our legal partner Moriarty Law, who will assess your account to determine if legal action is suitable. If they consider this to be the most appropriate action, we will inform you of the next steps. You should be aware that there may be additional costs in the event that legal action is taken. Assignment of your account to one of our external debt recovery partners, BPO Collections Ltd, or Themis Recoveries. You still have time to set a plan with us if you contact us within the next 7 days. There are several payment methods available to you, as previously advised we are happy to discuss together the available solutions in line with your circumstances. You can now manage your account online by visiting http://www.mmile.com/myaccount. If you prefer you can email us at [email protected]. The details needed to set your plan are: Date of 1st instalment Payment Amount Frequency of Payments Preferred Payment Method Please ensure that your priority bills are up to date for example rent / mortgage, utility bills, council tax to make sure your payment is affordable. If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. You can contact us on 0113 887 6876 if you wish to discuss your account(s). We look forward to hearing from you. Yours sincerely Motormile Finance UK Limited (MMF) I've never heard of them or any debts witht them?

I would like to request if someone can give me a little guidance on a process. If you have a debt that you are not challenging (as in denying), and it has been sold on to a third party, is there any legislation regarding this process? I know the agreement will cover this, but I could not see anything in the Consumer Credit Act. We were in discussion by letter with the original lender about setting up a repayment plan, but it looks like they decided to sell the debt and ignore our information requests (with fee) and payment offer. This was was ignored, so not accepted or declined. The first thing we knew about the change was when we got a letter requesting (or demanding) payment from the new owner. It would seem that the sale of the debt is not recent. I believe there should have been a Letter of Assignment sent from the original lender (or the new debt owner?). Was there supposed to be some warning of this intention to sell? And finally, are there any time limits for any of the above? The debt itself is under 6 years old. Thank you for any pointers for the above. The process for this matter seems to have been a little slap dash, so we want to make sure we are paying the money to the person who is actually entitled to it.

Hi. Due to not paying any rent for a few months (due to being ill), the local housing are going to serve me with a notice of intent to seek possession. I've contacted that and have mentioned that I'll be claiming unemployment benefit (Universal Credit), and that they only pay housing benefit after 6 weeks (their rules). I've also offered to pay a small sum each week, but they have refused the offer, and mentioned that they'll proceed with going to court. Would appreciate any advice as to what to expect, and how to proceed. Thanks.

hi everyone, my brothers wife passed away 5 years ago and in her will she said my brother could continue to live in her house for the rest of his days or until he remarried then the house would be returned to her 3 grown ups. 3 weeks ago my brother was taken into a nursing home and will never return to his wifes formal home as he is so ill and not expected to live much longer. 2 weeks ago the 3 grown ups who now own the house broke into the house awith a locksmith and took control of house changing locks etc without any court order I may add. The 3 grown ups solicitor wrote to my brothers solicitor asking my brother for £25 thousand pounds to repair damage done to the house which my brother does not have. my brother gave me power of attorney in 2012 so if the 3 grown ups decided to sue my brother for 25 thousand which he dosnt have would I then become responsible to pay it myself?. I have no conection to house financially or anything else. ive never taken out any loans debts nothing at all either in my name or my brothers. any help and advise id be most gratefull for many thanks.