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    • Can you complete this ASAP also:    
    • 25/05/2024? That the deadline or the date of the claimform?
    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
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Minicredit Have Been Got


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A payday lender has apologised to customers who received emails threatening to contact their employers if they did not settle their debts.

 

The National Debtline says it heard of numerous cases where MiniCredit acted in an overly aggressive manner.

 

MiniCredit says it has taken steps to ensure it does not happen again

 

The Office of Fair Trading (OFT) says companies should not act in a way that is likely to cause debtors public embarrassment.

 

27-year-old Emma Burgess from Manchester took out several payday loans last year when she had to move out of a shared flat and needed money to cover the cost of new accommodation.

 

When she found herself unable to pay back her first payday loan she borrowed more cash from another lender to pay it off.

 

Continue reading the main story

 

But her debt soon spiralled until she owed money to seven payday loan providers.

 

"I sought advice from a debt charity and they told me that I should be able to negotiate repayment plans," she told 5 live Investigates.

 

"I'd gone to the effort of getting an expenditure form and working all of that out.

 

"I'd sent that off to other companies who had seen what I could afford to pay and they understood what I offered them was reasonable and they accepted the plans."

 

Miss Burgess says MiniCredit was the only creditor to refuse to help her manage her debts. Instead, she received a reply saying they might contact her employer and start legal action against her.

 

"It was quite worrying being sat at work and wondering whether, when the phone rings, it's going to be them speaking to your boss about your financial problems," she says.

 

"It's quite embarrassing. I didn't want people at work knowing what was going on. It would have been quite awkward for me."

 

OFT guidelines on debt collection state that it is improper for companies to act in a way "likely to be publicly embarrassing to the debtor".

 

Companies must comply with OFT guidelines if they are to hold on to their licence and significant breaches can lead to a licence being revoked.

 

Spiralling debts

MiniCredit also threatened to send Miss Burgess's case onto a doorstep collector if she did not pay her debt in full within ten days.

 

Continue reading the main story http://www.bbc.co.uk/news/business-17127951

Drowning in debt?

 

 

 

 

Most complaints

The number of people taking out payday loans in the UK has more than quadrupled since 2006.

 

Finally The OFT is clamping down.

Edited by citizenB
Edited to smaller percentage of article and llink to article included.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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They state that only 54 complaints have been received by the FOS - they don't say how many the OFT/Trading Standards have received, or other organisations - if 54 complaints were made about a person in employment they would not be in employment.

 

54 complaints means their licence should be revoked and they should not be allowed to set up under any other trading name in this area ever again.

 

Just think if we had 54 defaults on our credit files the damage would be immesurable and very long lasting.

 

One law for one lot and another for the ordinary man...

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fkofilee, I have reduced the amount of copy/paste and added the link.

 

It is customary to copy/paste say 10-15% of the article and put the link :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Isn't it great that finally these companies are going to be forced to play ball. My only fear is that they will clean up their act (with mass publicity) until the investigation is over then retourn to their illegal ways. Lets hope I am just too much of a cynic

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Seeing as I have been pointing this out since 2007 it has taken a LOT of time.... the powers that be like to bury their heads in the sand when it suits them, PDL companies bring in employment and fill empty high street shops so it is okay. Now they are getting adverse publicity they are "not amused"

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http://www.consumeractiongroup.co.uk/forum/showthread.php?339665-Have-you-been-treated-badly-by-your-payday-loan-provider-The-OFT-would-like-YOUR-help.

 

The OFT as you have advised are investigating these companies. Please read the thread above and add your comments. The OFT are inviting responses from those victims of PDL actions.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have received this email from Minicredit overnight:

 

We would like to remind you that your MiniCredit overdue loan balance is £467.50.

 

If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs.

 

We may also contact Your employer and start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future.

 

 

Best regards

 

 

Received at 0156. I like the fact Minicredit Director Andres Valdmann has given assurances that steps have been taken to ensure this wont happen again! It's assurances like this that will go no doubt aid the OFT in understanding the true nature of these companies. It also does not give me any hope that this matter will be resolved equitably despite my numerous attempts to repay via standing order they are always ignored.

 

Now where did I save the OFT email address.....?

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Im glad that these companies are going to be clamped down on... It doesnt mean that these companies have to have their license revoked... However im by no means sticking up for them.

 

People are right , authorities stick their heads in the sand. The PDL market may have shot up however, curbing the damage it can do to you and the nations debt "Average".

 

1. If they were to curb the APRs at a reasonable amount ... dont really have any ideas as to what would be reasonable here (I suppose £100 loan, + 1 Months interest say, £20 ) And then they adhere to that under law it is a 30 day (Up to 45 Days in some cases ) contract.

2. Any extra "ad-hoc" fees, such as letter contact, passing to debt collectors etc, should be limited to small amounts. Thinking of companies profits here.... for example £15 missed payment fee ---> £3 missed payment fee,

Letter Sending Fee... (No Names!!) lol £10 Fee --- > £1 - £2 fee, etc, etc,

3.No interest will continued to be accrued either after the contract is broken.... this will help stop spiralling costs of debt.... (Here )

 

these are just small things that can help curb problematic situations

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 4 weeks later...

Contact the FOS then and let them know what is happening - it is about time this lot were curbed, too many of these PDL companies are setting up shop with little legislation to stop them.

 

I've had one lot text me twice monthly for the last few months using the same mobile no and a different name all the time, keeping these messages just in case somebody wants to investigate - think I will pass them onto Stella Creasy.

 

I am not texting back STOP in its various forms as you can get charged for that.

 

I did think of texting back 'You have reached the phone of Sillygirl1 of the CAG, PDL companies beware!'.

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There is a summary in the BBC link in the first post :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CitizenB, I'm just curious why Minicredit have removed the apology from their webpage. Admittedly it's not great publicity (albeith an extremely fair assessment of their conduct) but I'm wondering with my cynical head on, is this removal timed with other caggers having FOS complaints rejected?

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