PPI advice 77 year old couple RBS loan

[Laura Cooke]

Thanks ims and DJ nice to hear from you, yes it is a disgrace how they have treated this old lady it costs nothing if your on benefits to put a claim in at court done a few for folk in past.

 

To think they rang her up though after the first letter and said we are sending you the sars and we owe you £2,000 that was a couple of months ago they playing games well time for the games to stop the judge actually said when I went to court once that the arrogance of these companies is difficult to comprehend he never said a truer word thanks for all your support

[Laura Cooke]

I am speechless old lady as rung me and said she as had a letter from Bank of Scotland they are insisting she sends £10 cheque for the Sars they cashed this on the 27th May 2011. These are the same cretins that rang her 2 months ago told her the sars was on the way and that she was also due £2,000 back for the miss selling of PPI what do I do with these people they are deliberately trying to run us ragged shall I report them to someone if so whom?

[rebel11]

Hi laura

 

Tell them you are going to lodge a Complaint with the FOS and it will cost them £450 if the FOS look into the matter.

 

You could write a letter of complaint to:-

 

Stephen Hester, Chief Executive

[email protected]

 

Age Concern also have a department thats helps with financial matters.

[Laura Cooke]

Thanks Rebel will drop the executive a letter what a crew hey this letter instead of the ususal Bank of Scotland said HBOS contacted age concern a fair few months ago about the old ladys cha high seated chair which she had off compass who went bankrupt. the chair as never been any good the safety catch fails I am sorry to say that Age Concern never even acknowledged me even though I was advised to get in touch with them

[Laura Cooke]

The conclusion to this above is the old lady got around £3,000 back in PPI however the Bank of Scotland (Halifax) have continued pursuing her for the debt which she as not paid a penny on since her circumstances changed when her husband died near on 2 years ago. Today the FOS have emailed and said the vulnerable team will write to the old lady to arrange a payment with them, I told her I am very disappointed that they not writing the debt off, she is nearly 80, vulnerable, house bound, partially sighted and struggling financially her response was.

 

"Thank you for your email. I understand your disappointment concerning the outstanding loan. As will be explained in my full findings, In accordance with the Lending Code consumers experiencing financial difficulties should be treated fairly and sympathetically by a lender but this does not mean they have to agree to write off an outstanding debt.Halifax has acknowledged Mrs **** circumstances and the account is with the vulnerable customer team so that a repayment plan can be arranged"

 

This is not true the FOS who dealt with my husband`s debt to the Halifax got them to write it off I am annoyed about this as I had assumed the old lady would definitely get the same result

[dj1971]

Hi Laura,

 

Really glad to see you are still sticking with this one and congratulations on getting the £3,000 back in PPI.

 

Did Halifax ever comply with the SAR and provide a copy of the credit agreement? They cannot enforce this debt without a valid credit agreement.

 

As far as the FOS goes, they are about as much use as a chocolate teapot. Most of the case handlers working there were taken on at the time the banks were making thousands of people redundant, so are ex banking staff and have been trained to think in the nest interests of the banks themselves. Have never been a big fan of the FOS, but they are completely useless and unfit for purpose since employing ex banking staff as adjudicators.

 

Assuming they have not produced a copy of the credit agreement, I would wait for Halifax to get in touch and then let them know the debt is unenforceable without the credit agreement and no payment plan will be agreed until they produce a valid copy of the original credit agreement.

 

If they have already produced a copy of the credit agreement and it is valid, then again wait for the vulnerable team to get in touch and offer them £1 a week. They cannot refuse a reasonable offer and this will make things as inconvenient as possible for them.

 

Best Wishes

DJ

[Laura Cooke]

Hi Laura,

 

Really glad to see you are still sticking with this one and congratulations on getting the £3,000 back in PPI.

 

Did Halifax ever comply with the SAR and provide a copy of the credit agreement? They cannot enforce this debt without a valid credit agreement.

 

As far as the FOS goes, they are about as much use as a chocolate teapot. Most of the case handlers working there were taken on at the time the banks were making thousands of people redundant, so are ex banking staff and have been trained to think in the nest interests of the banks themselves. Have never been a big fan of the FOS, but they are completely useless and unfit for purpose since employing ex banking staff as adjudicators.

 

Assuming they have not produced a copy of the credit agreement, I would wait for Halifax to get in touch and then let them know the debt is unenforceable without the credit agreement and no payment plan will be agreed until they produce a valid copy of the original credit agreement.

 

If they have already produced a copy of the credit agreement and it is valid, then again wait for the vulnerable team to get in touch and offer them £1 a week. They cannot refuse a reasonable offer and this will make things as inconvenient as possible for them.

 

Best Wishes

DJ

 

Yes they came up with a credit agreement only in the old ladies name she was under impression it was a joint loans as her others were. I will only offer them a £1 if they get in touch agree think this FOS not doing all they can for the old lady seems that no one seems to want to genuinely help the vulnerable these days:x

[Laura Cooke]

The conclusion to this above is the old lady got around £3,000 back in PPI however the Bank of Scotland (Halifax) have continued pursuing her for the debt which she as not paid a penny on since her circumstances changed when her husband died near on 2 years ago. Today the FOS have emailed and said the vulnerable team will write to the old lady to arrange a payment with them, I told her I am very disappointed that they not writing the debt off, she is nearly 80, vulnerable, house bound, partially sighted and struggling financially her response was.

 

"Thank you for your email. I understand your disappointment concerning the outstanding loan. As will be explained in my full findings, In accordance with the Lending Code consumers experiencing financial difficulties should be treated fairly and sympathetically by a lender but this does not mean they have to agree to write off an outstanding debt.Halifax has acknowledged Mrs **** circumstances and the account is with the vulnerable customer team so that a repayment plan can be arranged"

 

This is not true the FOS who dealt with my husband`s debt to the Halifax got them to write it off I am annoyed about this as I had assumed the old lady would definitely get the same result

Response again from FOS

[sVIEW][/sVIEW]

 

"It would be unfair for me to comment on the case you mention as each complaint is assessed on its individual merits. When I wrote to the Halifax I emphasised the fact Mrs **** was a widow on limited income with deteriorating health and did not understand why she was being pursued for an outstanding loan.

 

I am happy to take any additional information forward to Halifax for it to consider, additionally both Mrs **** and Halifax have referral rights, in that she does not have to agree with the outcome and can ask the matter to be referred to an ombudsman for a final decision".

[Laura Cooke]

Have now asked that the Ombudsman makes a final decision as so far been told that things are looking in favour of Bank of Scotland as I was told by Ombudsman service "She as had the money and an affordability assessment was carried out at the time" I have said the FOS gives recommendations for consideration to be given to writing off debts for vulnerable people. The elderly lady is partially sighted she is 79 she as lost her husband and lots of her income, she is confused. The GP as asked for a Socail Services assessment and then for it to be given to the Welfare Officer at the GP surgery. We are hoping for something in writing from the GP surgery what we can use for the Ombudsman to see as who ever as been dealing with it below the Ombudsman as not been very positive on the side of the elderly lady. I had thought this would have all beeen done and dusted by now, never knew it was going to drag out like this. Bank of Scotland have offered £150 to say sorry for having kept ringing the elderly lady when she had only just lost her husband despite, letters and calls telling them to refrain from doing so.