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Found 14 results

  1. My husband and myself both contracted out of SERPS in the 1980s. I was contacted earlier this year by Zurich to say I was entitled to my Husbands pension money. My husband died in 2005, and Zurich have told me that I must buy an annuity with the money, but unlike everyone else, I am not allowed to take a 25% cash lump sum. Is this correct? If so why? thank you for reading
  2. Hi everyone, I'm looking for some advice please. To cut a long story short my husband died 3 years ago. He left me with a business which had an enormous amount of debt and I have been dealing with those since (it has now ceased trading) and continue to do so, it has not been an easy 3 years. I am at my wits end with a personal creditor in relation to my husbands funeral costs which given the situation seems ironic as most of the other creditors have agreed reasonable plans (or i would have been forced to go bankrupt) but these just wont budge. The debt began as £2
  3. Hi We recently moved and went yesterday to our old place to collect any post I was given 4 envelopes, 1 of which contained a letter from Tonbridge Wells Borough Council about a PCN from October 2015 in my husbands name for a vehicle he has never owned and he's never been to Tonbridge Wells, ever lol Anyway, the other 3 letters are from a company called Jacobs Enforcement Agents for the same car but the enforcement agent reference number is different on all 3 letters, the dates are different and the amounts they are chasing Anyone know if these are a ligit company? Should I
  4. Hi All I'm new to this site, another matter brought me here but thought I'd ask you knowledgeable bunch about this too (they are kind of related). In 2014 we stupidly had a vehicle from Credit4cars - we allowed voluntary repossession. The balance was removed and the account closed on my credit file but on my husbands it still shows as open with a balance??? Now, I appreciate that there would more than likely have been a shortfall in the auctioned amount and amount owed in finance but the amount on his credit file never changed and why would the balance go
  5. wasn't quite sure where to place this post. My husband died quite tragically after I donated a kidney to him in September and I have only just found out he had an online savings account containing £2400. He left no will. My problem is that since he died I have suffered with PTSD and agoraphobia and can't leave the house to get to the bank as they requested. My sister-in-law has been sorting most things for me and NatWest allowed her to bring paperwork home, should we be able to do the same with Lloyds. he worry of this is distresssing me very
  6. I split with my ex almost 2 years ago. Since then ( prob irrelevant ) I have sorted out almost 100% of the financial mess he left us in. I have paid for and initiated all the solicitors fees and divorce . He was chased for an old debt last year and as usual ( because they had traced him to his mums house which he didn't like ) , he asked me for advice . As the debt was over 20 ! years old I advised him not to acknowledge it in anyway and no it wouldn't appear on his credit file . I then asked him if hed considered claiming for PPI and he said no. I asked him if he min
  7. My husband passed away suddenly due to complications after I donated a kidney to him on 8 September. He had been ill for many years and died without leaving a will. We do not own our own home and he has no assets. I have been chased by several companies including Capital One for debts he owed them. They are asking for the death certificate and details of executor. I'm not sure how or whether to reply as he left nothing and as I was his carer I have no income at the moment. Please help as this is a very distressing time. Thank you in advance
  8. I am posting to get some advice, in regards the DLA TO PIP transition, as I have heard a lot of concerns with the medicals. Basically, My husband stopped work 9 years ago due to mental health PTSD caused by his work accident, he was retired from work in 2009 due to permanent ill health with a work pension and (after many appeals and a long fight) he was awarded a Industrial Injuries Disablement benefit for life assessed at 60%, this was in 2011, he was also awarded short periods of DLA, he was assessed for HRC Care and low rate Mobility for indefinite period (this I understand replaced the l
  9. Hi all, I need some advice and was wondering if the seasoned members could help me. I was recently caught using my husbands annual season ticket by a ticket inspector and received a reference slip along with the prosecution address on the bottom. It was an annual season ticket via FCC. I usually have my own monthly season ticket, which expired the day before the offence but as I was late for work etc, I used my husbands. I accept that this is totally unacceptable. As a result, the inspector confiscated my husbands season ticket and mentioned that a letter wi
  10. Evening all, A lady has explained to me that her estranged husband had broadband from AOL in his name, but hasn't bothered to pay the bill... AOL have now cut off the broadband, she lives in a rural area and has asked BT for broadband but they have refused, is it possible that there is some kind of adverse marker on the line?? many thanks in advance
  11. Hi Guys, I'm hoping one of you wonderful people can give me some advice please My husband has been awarded contribution based JSA & today my employer has received a letter asking for my income details, stating that I have given them permission to contact them. This is my husband's claim, I am not claiming JSA as I work 16 hours per week & I have never signed anything giving them permission to contact my employer. Can they do this without my written permission & does my employer have to provide this information for a contribution based claim? Any advice gra
  12. Hi, new to all this so please bear with me. I was wondering if anyone could advise me if I am within my rights to claim late payment fee's on a car finance agreement my late husband had with Bk of Scotland? The original loan was his in name but I paid form from my bank account to start with, before we moved it to a joint account. I also dealt with them regarding the outstanding finance payments after my husband passed away. I will also be looking for exactly the same advise regarding a Taxi Finance loan he had with Blackhorse. I am the executor of his will, if this helps? Tha
  13. I'm hoping for some advice please. I used my husbands annual season ticket to go into london on southwest trains yesterday. I had a free weekend travel pass in my bag, but when the inspector asked for my ticket I thought it would be easier just to show my husbands ticket without his photocard. His season ticket was confiscated and I think im going to be prosecuted. to say Im panicing about this would be an understatement, crying as I type right now. I now know this was an INCREDIBLY stupid thing to do, I know that 2 tiny children, no sleep, lack of judgement,severe post natal depre
  14. hi there, my husband went bankrupt in April 2007 and was discharged in April of 2008, he has only tried once get any sort of finance product since going bankrupt (this was last week for a phone contract, it was declined) and recently signed up to creditexpert to keep a track of things, on signing up he found a few things regarding his ex wife though they have not affected his rating and he has since removed her from his associations, his score is 970 out of 1000 , though this seems to make little difference to his ability to gain credit, tonight he signed up to noddle, and found on there his s
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