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hi can anyone help me here on where we stand my wifes nan has 3 catalouges of which she said my wife could order things from as long as she paid for them everything fine for ages then i was diagonised with ms on gone on benefits my wife is now my carer for me and my 3 year old daughter .she has struggled to keep up the min payments on catalouges now,she told her nan the situation and now she is denying she could use them ,the catalouges are in her nans name put because she is very forgetfull and in sheltered housing the goods were sent to our address but in her nans name.her nan owes some off the debt on catalouge we are not depusting we owe money on them .my wife cant phone catalouge companys as not in her name and her nan just keeps denying everything where do we stand any help would be great no trying to get out of debt just cant afford the min payments anymore help please

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jacko1000000 welcome to The Consumer Action Group community.

 

You haven't received any replies to your problem yet so you might be better off posting your story again directly in the sub-forum which deals with your kind of situation. You will get lots of support there.

 

Also, spend some time looking round the forum. Once you understand the layout, you will be able to get best use from this Consumer Community. It is a big forumm and may take some time. But it will be worth doing.

Good luck.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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Hi,the responsibility to clear the debts will be your Nan since the account is in her name.

Irrespective of goods being sent to your address,its your Nan who has to sort things.

You could try to ask her to give you authority to deal - which would have to be in writing.

Unfortunately you are going to have to sort this out between you,or else seek help from a third party.

Can you say what Catalogues are involved ?

How much is outstanding,and when was the last payment made ?

I will move your thread into catalogue forums.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hi thanks for the reply the catalouges are studio,simplt be and empire stores.studio is 1500,simply be is 1000 and empire 800 we were paying about 100 a month on each but have only being paying 20 on each for last 3 months they have now but them all into default as the min amount was not being paid eack one is now demanding min of 300 pound each min payment which we cant afford and there keep again charges on all the time

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Ok so who has got the statements ?

Its fairly likely that there will be charges is it possible that you can work out how much of the outstanding amounts are charges ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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we get the statements sent to us as her nan could not get out to pay them so we paid them top off my head u r close looking at about min 200 pound charges on each one my brother told us we could get done for fraud as goods sent to our house what her nan ordered we took to her as not being able to get out is that the case my wife is very worried and cant sleep at night her nan is refusing to talk to her at all so dont know what to do even though see gave her constant to it

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I cant see how you can get "done" for fraud ?

Are you saying that your Nan was aware of all the things ordered ?

So the statements and paperwork went to her address ?

It could only be looked upon as fraud if your Nan did not give consent for the goods to be ordered on her account-or was unaware that there were goods being ordered on her account.

Can you tell us more about what the arrangement was ?

Was it you yourselves who were doing the ordering using her account details ?

Or were orders given to her -for her to order ?

You say that she is refusing to talk to you which is a problem.

However if she was made aware that these £600 in charges could well be recovered (claimed back) it might make her think differently.

We can help you to do this.

But whatever is to be decided,at the end of the day this needs some co-operation from your Nan,since she is the account holder.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hi thanks for the reply yes my wifes nan gave her full permission to order goods through her catalouges as long as we kept up with the payments of which we are now unable to do,the trouble is her nan is now saying no i did not, so its or word agaist hers which does not help the situation,the statements come to us as here nan was unable to get out to pay them,so off the debt is ours and some is hers,all the goods got delevied to our address and whar her nan ordered to took round to her,her nan is refusing to talk to my wife point blank so whats the best option for us

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This is a very tricky one.

I will ask the site team for their thoughts.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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ok thanks very much, my wife justed tryed to phone her nan but she just hung saying she is going to get police involved,she did not give my wife a chance to explain things to her ,so will have to see what happens now,we are only trying to get her consent to speak to catalouge companys involved so we can get something sorted with them,all the time her nan wont speak to her we cant do anything with the debt thats owed

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as martin says i'd seriously look at reclaiming the charges and the subsequent interest on them they have charged her

i'd also suspect PPI might well be hidden on there too

 

keep us posted

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

update as to what is going on, nan still refusing to speak to us, my wife has written to all the catalouges to say can only afford £40 a month and they have all come back say does not meet the required min payment they want, so give up what you can u do not got the money wont tell us how much they want as account not in our name

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stop letting them dictate what is going on with her money

 

take control

 

pay what you want to them via internet banking and stuff em.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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