Debt following death.

[nuthatch]

Thank you Joyce and I am sorry we have to meet like this.

I actually work 20hrs but am off sick at the moment. I have an occupational pension as I took early retirement from the NHs and I will also get a percentage of my husband's occupational pension. I have got the bereavement allowance.

I am luckier than a lot of people in my situation.

I do hope you are managing OK and thanks again.

[nuthatch]

Another letter from Cabot dated 22.08.08 about my Goldfish CC

 

Your request under the CCA 1974

 

We recently wrote to you informing you that the original lender is experiencing a delay in obtaining information from their archives. Although 24 days have passed since your request, we hope to be able to send the information to you shortly. We shall remind the original lender that your information remains outstanding and should be orocessed as a matter of urgency.

 

We apologise for any inconvenience you may have experienced as a result of this delay.

 

The status of your account

 

Your account shall remain on hold until further notice.

 

So, Cabot/Goldfish are way out of time now by Cabot's own admission.

Do I just leave things as they are?

I am anything for a quiet life if I can.

 

I have heard nothing more from Robinson Way who received their CCA on the same day as Cabot.

[nuthatch]

Just another question

 

One of my (many) debts is a CC with Lloyds TSB. But I have been getting letters from BLS collections who I understand from elsewhere on CAG are their DCAs.

But I have never had anything to say this debt was being passed over to them.

The first I knew was when a letter arrived in May offering a F&F at a 30% reduction. I wrote back declining their offer and informed CCCS.

Do HFC still have to let me know they are passing the debt on if BLS are "in-house"? It's just that a letter arrived on Saturday to say that "I had not stuck to the terms of the agreement" and "pay up or else" (paraphrase). But my husband and I have the same CCCS client number and Lloyds wrote to write off his debt following his death so they must know the account is on hold by CCCS until I can do a new I&E statement. So they must know the situation....musn't they?

 

I have just noticed that the balance BLS have recorded is about £300 more than the CCCS balance on my DMP so I guess there are more charges added when I haven't missed any payments on my DMP until my husband died.

 

I hope this post makes sense.

[nuthatch]

Thanks PriorityOne. I think I will CCA them. Can't do any harm.

By the time I get to re-start my DMP, everyone will be on hold!

[nuthatch]

I have had my DMP review with the CCCS and my monthly payment has been reduced by more than a quarter as I am off sick. This is towards a debt of just over £40000.

I asked the counsellor about making F &F offers with the lump sum I have and she said I could either pay off the smaller accounts or offer everyone a pro rata amount. They would probably get about 30%.

I have no idea how long I will be off work and it could be a few more months yet.

I am going to CCA as many creditors as I can but I do find it stressful. I did not mention to the CCCS counsellor that I had sent off CCA requests. If I zero the amounts owed to Robinson Way and Cabot on my DMP online plan so they don't get paid, it means I couldn't add them on again if it all goes pear shaped.

Robinson Way and Cabot have not come up with my CCA request yet and are now way out of time.

 

I wish I could think logically about this but I am in panic mode today. I have read so many CAG threads that I wish I could have other people's attitudes towards creditors. THe logical part of my brain understands what everyone is doing but I seem to lose the plot when I try to put it into practice for myself.

Edited August 30, 2008 by nuthatch

[nuthatch]

Thanks for the reassurance.

 

The Chancellor Yes, that amount is in my name. My husband's debts at death were slightly less.

Edited August 30, 2008 by nuthatch

[nuthatch]

JonCris...oh heck, that really never crossed my mind at all. I have read back through this thread and edited sections so I hope I can remain anonymous.

I will be more careful.

 

TheChancellor would you mind editing your posts referring to the amount I owe?

Thanks.

[nuthatch]

Another letter from Cabot to say they are going to remind Goldfish to supply CCA again.

I think their computer must be programmed to send out these letters as it is exactly the same as the last one...even down to the number of days they state it is since I made the original request!

[nuthatch]

I have been away for a few days and have returned to a lot of mail which I will be asking help with tomorrow when I am not so tired.

In answer to overdone's post and TheChancellor's followup. The money I have is in local building society which is not connected to any other bank as I had got that info from CAG previously.

[nuthatch]

I have been trying to use the Dummies Guide to try and post a link to a post in the thread "Chalkitup v HFC(Marbles)/Robinson Way" which shows a copy of an application form for a Marbles CC because I have received one which is virtually the same following my CCA request to Robinson Way.

I have also failed miserably trying to use Photobucket.

The very very poor copy of the Application Form does say that I applied for the card in 2002 but is almost illegible. I can make out headings "Use of your information" "Note for the Applicant" and "Marketing and Market Research" I have signed it and so has someone else in the "For Office Use" box.

There is nothing about interest rates etc.

[nuthatch]

Should I start separate threads for my debts or is it OK to leave everything on this thread?

 

Also, should I carry on paying the money via my DMP with CCCS to the accounts where no CCA is forthcoming or zero the balances so no money goes to them?

I have now had a letter from Cap1 bank about my CC debt which says they are going to do something to me in 28 days but I have forwarded it to the CCCS for their comments.

 

I am so sorry about all these questions but it is very scary being on your own. I am not usually a wimp but I am finding these weeks following my husband's death very difficult.

[nuthatch]

 

Are there any charges on the Capital One account?

 

Sorry to hear of your loss.

There are charges on the Cap1 account which is actually my own debt. I will be pursuing this (and all the others) when I can get myself organised.

I really will try and get threads started for each of my debts so that I am not confusing everyone about which are my debts and which are my late husband's.

[nuthatch]

TheChancellor yes, thank you. That is the thread I was referring to.

[nuthatch]

I have now started 2 other threads about my own debts and have received a reply from CCCS about the letter I received from CapOne(#112).

The Counsellor just said it looks as if the account is to be passed to a DCA so I will send a CCA request as soon as I hear anything.

[nuthatch]

Stupid letter from Egg.

I sent them a copy of my husband's will and had a letter back to say "we note your husband did not leave a will!!!!"

 

Can they actually read?

 

And the letter also had a note to say that Egg could confirm that proof of my husband's debt had already been sent.

Well actually, no it hasn't.

So I have written back pointing out their mistake.

[nuthatch]

Sorry for delay TheChancellor my Mum has beeen poorly and has had to go into care.

I did ask further back on this thread about sending a copy of the will (I think) and was told it wouldn't do any harm.

Anyway, it's just one sheet naming me as Executor and leaving anything to me.

As it is, now I have all the bills in relating to the funeral (not including the headstone) there is about £1000 left to share amongst creditors owed nearly £30000.

Egg have been so stupid. I have written to them several times and they keep sending letters back that bear no relation to any comments I have made. They sent me a huge document to fill in detailing our assets which I have ignored.

Do they really think I am in a fit state to deal with all this?

I have now sent copies of all my husband's creditors' letters together with a breakdown of costs to show how little is left after paying the bills.I have nothing to hide.

I have said I would like to be able to afford a headstone so don't ask for anything else.

 

I am still trying to pluck up the courage to act on the advice on the threads I have started about my own debts. I just don't seem to be able to find the courage.

[nuthatch]

Hi NH

 

Go & sort a headstone if that will bring you comfort & there wont be much change from £1000.Then they can go & whistle Dixie if that is the last of your husband's assets?

 

This made me smile.

You have a great way of putting things in perspective. Thanks.

 

I am up at an unearthly hour as just had a call from the home my Mum has moved into to say she has fallen and they are sending her to hospital.

I had only been asleep for a couple of hours and I think I am too tired to drive the 30 miles to be there with her so I'm waiting for news.

From the carer's description, I have a horrible feeling Mum has a fractured neck of femur.

[nuthatch]

if there not fit for the above the a boozeup in a brewery would be impossible for them to organise.

Unless funded by a company hospitality credit card.

A close relative of mine worked for RBOS...may their souls be eternally damned...and she was shocked when a night out for the staff was paid for on a special credit card for the purpose

 

In fact, she was so appalled with the waste of money, she now works for a charity.

 

We used to provide our own sandwiches and sausage rolls for any parties we had at work.

[nuthatch]

More to the point, did it have a valid CCA. An enforceable agreement?

 

Just to update this thread.

 

Since writing back to 3 of DH's creditors asking them to provide proof of the debt, I have had no communication at all.

My biggest pain at the moment is the Inland Revenue.

I had to fill a Self Assessment Form in on behalf of my husband and I have had it returned twice.

I have spoken to the relevant Tax Office twice for advice but I must really be thick because I still had problems.

Last year we used an Accountant as there was Capital Gains to work out and the accounts from my husband's failed business but it cost an arm and a leg so I said I would do it myself because he left no money.

 

Amongst other things the form asked for how much he made in tips from his job as a cook. I know this is a required bit of information but how on earth am I expected to know that:confused: When I asked the office that question she asked if DH kept a note book somewhere with the details in.

I told her I had no idea as it was his own private affair and, given that his total income between April 07 and when he died in June 08 was about £10000 (including Pensions) I shouldn't think it was much as he was only working 10 hours a week .

 

I think this should be a lesson to everyone to keep your money under the mattress so all your (trusted) relatives know where it is and can do what they want with it

[nuthatch]

I have, today received an unbelievable letter from EGG.

I sent them a copy of all my late husband's credit card statements showing his liabilities. I also sent them a copy of his final building society statement.And the letter from Lloyds TSB saying the debt is written off.

I have now received a letter asking me to fill in a form providing them with all this information again.

I am shaking like a leaf.

They have still not provided proof of this debt as requested.

Is there someone important I can write to at EGG to tell them what they are doing to me?

I have provided all this information before...admittedly on a form of my own design and not their own.But as I knew I would have to send it to a few people I thought it would save me time filling in yet another form.

How many times do they need to know that he had no assets? No house. No stocks and shares. No Life insurance.No car.

 

Having calmed down a bit I have just realised the letter is in reply to a letter I sent in Sept and not in reply to one I then sent 2 weeks later with all my late husband's financial info included.

To say I am mad is not even near how I feel at the moment

I have copied the letter just received together with the proof of delivery and the Recorded Delivery receipt for the letter I sent with all DH's information and enclosed them in their envelope and I will be sending it back tomorrow.

 

I feel like writing to Egg's Chief Exec and asking if these people from "The Executor Support Team" can actually understand English.

Although, looking at the origin of the names signed at the bottom of the letters, possibly not.

And I don't care whether that is PC or not.

Edited October 16, 2008 by nuthatch

[nuthatch]

Oh thank you TheChancellor. I think I am so calm about things and then a stupid stupid CC company can blow my resolve out of the window.

In the scheme of things, they are way at the bottom of my priorities. I think it just brings it all back that my husband would not have spent his last years worrying about debt if these people had been more human.

[nuthatch]

Letter from Egg today to say they have received the information about my husband's estate and the contents have been noted.

The file is now in the hands of the Management Team....whoever they might be.

[nuthatch]

Even if they can read it will be an improvement

 

And the ability to do basic maths (when they realise that X number of creditors into £300 isn't worth the time and effort chasing it up) would deserve a round of applause

[nuthatch]

Oh bum. This is getting so annoying.

Have had a letter about DH's debt to L********ds. It is less than £400 and if they got a pro rata share of his "estate" they would get about 25p.

 

I sent copies of all DH's CC statements, final 3 months bank account statement and copy of all funeral receipts and now they say they are passing the account to Phillips-Cohen Associates who will "assist me with closing the account."

Mind, it also says they are enclosing a helpful brochure offering useful info about the probate process. No brochure enclosed and I have already told them that I did not need probate as estate was worth zilch.

[nuthatch]

So, what exactly can they do?