Debt following death.

[nuthatch]

JonCris, will they really just give up that easily?

I cannot understand what they think they will get by doing this because I sent Littlewoods everything I had to show what my DH had and what he owed.

[nuthatch]

I have just done a search on CAG for these people and found a person who was being pursued by them for a catalogue debt in his deceased mother's name.

Interestingly, one of the comments that was made is that teh law of probate does not apply in Scotland. I didn't know that.

And, I did speak to teh Sheriff's Office just after DH died and they told me they did not need to be involved as the estate was below £30000.

If Phillips-Cohen do contact me, I have also found a letter on CAG to send to them which might be appropriate but I will seek advice before sending it.

[nuthatch]

Oh joy. Letter from another CC company writing off DH's debt of £9000ish. I know they wouldn't have got anything anyway but it's nice to see it in writing.

Makes you wonder why Littlewoods are being such a pain over a debt of a few hundred.

[nuthatch]

Write back & tell them their reputation for trying to collect from the dead proceeds them & you won't be conducting any further correspondence for as well as being pointless as there are no assets it upsets you

 

Looks like I will be sending this letter as I got a letter from Philips etc saying it is very important I contact them immediately so they can resolve the re-payment of the amount outstanding

 

I will also remind them that I have already sent a breakdown of DH's estate

But not this week.

I have more important things to think about.

[nuthatch]

Hi Godmother. Yes, they have written and their "helpful leaflet" says they require me to send them copies of DH's last 3 month's bank statements!!

I have been reading up about this bunch and they have no scruples whatsoever.

They can go whistle.

[nuthatch]

Good call Godmother! Never thought about not telling them that some creditors have settled.I actually sent a copy of the letter from one creditor zeroing the balance thinking they would follow suit. But I suppose they would look at it as "More for me".

I am too trusting by half.

[nuthatch]

Could I have comments on this letter I have composed to send to P-C.

 

With thanks to JonChris.

 

Dear P*******

 

I acknowledge receipt of your letter dated *****, the contents of which have been noted.

 

Please note that I have already supplied the information you are requesting to L******** and I do not propose to spend time and money duplicating these documents when my time can be better spent arranging the provision of a headstone for my husband's grave and dealing with my grief.

 

Your reputation for trying to collect from the dead proceeds you and I will not be entering into any further correspondence with your organisation. As well as being pointless (as there are no assets) it upsets me.

 

If you do persist, I will report your behaviour to Office of Fair Trading.(not sure if this is the right authority?)

[nuthatch]

Thank you ScarletPimpernel.

Your version looks a lot more professional than mine.

I have tipped your scales.

[nuthatch]

Today I feel like rolling over and saying to the creditors...Ok, you win,just take everything but go away and let me hide in a hole.

 

It's silly really.

Got a letter back from Inland Revenue saying that there is £228 to pay on DH's income from 2007-08 .....all £10,000ish.

I phoned them up and the man at the other end tried to explain it to me but my brain just would not take it in. I told him that a lady I spoke to not long after DH died told me (or I thought she did) to fill in his income from April 2007 until he died in June 08. Obviously I made a booboo which I can see now but the thought of dragging out all the paperwork again and going through it all to see what I have done wrong just fills me with total apathy and defeat.

I know I have to do it because it's my fault and I am sorry to moan..again:cry:

[nuthatch]

Letter arrived today relating to a business loan my OH had when he tried to set up a business.

This was paid off nearly 2 yrs ago following the sale of a house.

This letter states that he is in arrears on the loan and owes over £200.

So I phoned RBS and gave the reference number to be told they could not find any details on the system!!??

How stupid is that?

I told the woman I spoke to it was academic anyway as he did not owe them anything and even if he did there is nothing to pay them with.

Be really interesting to see if RBS are going to make complete prats of themselves by pursuing this.

 

I was really calm while I was speaking to the RBS but now I am shaking big time.

It just makes me so angry the way these big companies conduct themselves.

[nuthatch]

JonCris the letter is on RBS headed notepaper with the Ironmaster's Address on it which is engraved on my memory from when they hounded DH when he was alive.

 

Interestingly, when I reclaimed our bank charges over a year ago, RBS claimed that we had outstanding debts with them which was untrue. I phoned Shakespeares Solicitors and a person there checked up and said they had "forgotten" to forward on the £20,000+ the thieving toe rags had taken from our house sale to settle the debts to RBS which meant we couldn't settle all our outstanding debts to our creditors on a pro rata basis.

 

He couldn't even bring himself to say "sorry".

 

I sincerely hope he becomes part of the RBS redundancy package and ends up in the local job centre.

[nuthatch]

A few day's before we were due to exchange contracts, our conveyancer phoned to say that RBS (who we had the mortgage with) were refusing to release a final figure as the house "was in litigation".

I nearly had a stroke because non of our loans/overdrafts etc were secured. We had been in a DMP with CCCS for nearly a year at that time.

What we didn't realise was that RBS were the only creditor who had not stopped interest....things were very difficult for us then and we knew very little about dealing with debt.

Before RBS released the mortgage redemption figure, they would only do so on condition that we agreed to allow them to pay off all our debts with RBS before we received the balance. They did not include credit card debts to RBS in this. I believe they used their right to "offset" so they could do this although I did not understand about this at the time. I think I was told this on CAG and it will be on one of my very early posts under another username.

So the debts were paid off to RBS...or so we thought. It was only when the bank charges were refunded that we found out that the money had not been passed over when it should have been.

Our conveyancer paid the money to Shakespeares solicitors and the rest of the story is in my previous post.

I did contact CCCS about this and they phoned Shakespeares (I think because they were making themselves preferential creditors) and CCCS were told that RBS did not have any documentation to prove their right to offset. CCCS did advise us to take legal advice but we didn't.

Just wanted a clean break from the thieving barstewards.

They still have £35 which CCCS paid to them in error because CCCS didn't have time to stop that month's DMP payment. CCCS did request it back but it never got paid.

Worst thing is, I have no documentation about this as all our records were destroyed in a big house fire last year.

[nuthatch]

JonCris when you say SAR them all, do you mean RBS and Shakespeares solicitors?

Will they have to respond to an SAR in my name because I am executor of the will? Do I have to send an copy of the death certificate and his will to them as well to prove I am entitled to have this information?

I have already SAR'd RBS in the past when reclaiming bank charges for my own and the joint accounts but obviously did not get my husband's at the time. So can you SAR a company twice?

[nuthatch]

Why don't the banks just declare an amnesty....zero all debts...and let's all start again?

 

A great idea I think I stole from an episode of "Spooks" the other night.

 

Let's just all sit down, have a cup of coffee and a scone and be friends.

[nuthatch]

I am so upset. Received another letter addressed to my husband saying he owes them for an RBS overdraft which we paid off in 2007. I got one as well.

I feel like throwing the towel in because I can't cope with all this.

I have put a post in the Royal Bank of Scotland forum as well to see if anyone can help.

I have found a letter from Shakespeares Solicitors which lists all the debts we owed at the end of 2006 which says what the final settlement figures were to clear the mortgage balance on the house sale and the associated RBS debts due from the balance.

This letter has been initialled by someone from our Conveyancer's dept which dealt with our house sale and dated with a note to say "completed **/J**/07. There is also a form with a breakdown of how the final total due to us was decided and that shows the amount paid to the RBS over and above the amount to clear the mortgage.

 

I feel trapped because I think more letters may be on their way because we cleared about 8 accounts following the house sale.

 

Sorry again, I am getting my debts mixed up with my husband's and I know they can't touch him but it is causing me so much grief.

[nuthatch]

Dear P*******

 

I acknowledge receipt of your letter dated *****, the contents of which are noted.

 

The information you requested has already been provided to your client.

 

Your reputation for trying to collect from the dead precedes you. Since the estate has no assets your unsavoury collection attempts are both distressing and wholly pointless.

 

Take notice that I will not enter into further correspondence with you in this matter. I do not expect to hear from you again, other than to apologise. Any further contact will be reported to the appropriate enforcement authority.

 

 

As I have not heard anything for 3 weeks from these people, I wonder if the letter telling them to bog off has done the trick?

I sincerely hope so

[nuthatch]

Just an update.

No further communication about my DH's Littlewoods account (#106)

Grovelling apology from RBS (#186)

Zilch from Egg...months ago.

LTSB debt written off....as it should have been.

 

Happy New Year. How I love this site

[nuthatch]

I have had no communication from any of the companies who were chasing money from my late husband's non existent estate so I guess they have given up.

Thanks for all the advice I received on this threas and I am making a donation to the site. It's not much but I hope it helps.

[nuthatch]

Letter from Phillips Cohen which is an exact copy of the one I received last year #106 about my late husband's Littlewoods account.

To say I am upset is an understatement.

I thought I had seen them off with the letter from JonCris.

It is a year this month since my husband died in tragic circumstances and I am finding it very difficult a the moment.

Should I just send a copy of the letter that I sent last time?

 

Thanks

[nuthatch]

Sorry Saintly 1.I am stupid at the moment. There is a copy of the letter on post 186 which Scarlet Pimpernel added to for me.