Jump to content


  • Tweets

  • Posts

    • Thanks very much indeed for this. I'm very pleased you've had a result – and also it's very satisfying to have had the result on the back of a judgement and having issued the warrant. Did you get everything back including all of your costs and the cost of the warrant? Did you get the full value of the judgement – including the compensation for conversion of this apparently damaged bag?   It will be very interesting and appreciated by many people if you would post up a copy of the judgement please. I think maybe we will use it as a trophy! We've received a donation – I'm not sure if it was from you, but I responded by email. Thank you very much indeed once again  
    • So 2 days following the warrant issue.. Hermes finally contacted me to arrange payment and said they had not received my prior claim letters hence the lack of response? But they received this one though didn’t they before the bailiffs are in!   Am incredibly pleased and thankful to CAG! I didn’t know this great  community would be what I find back in Dec from a quick search! Really appreciate the time taken to help me on this and I wouldn’t have a clue without it! I have just donated. Its forums like these that really makes a difference to society, so we need to keep it going!   Key points to note: Hermes Parcelnet Limited (UK entity and HQ in Leeds - address to this) Don’t use packlink for high value items (it links ebay details to the courier selected) Never use Hermes for high value items EVER!
    • ???   you ignore them until they comply and we confirm the filing cabinet copy and paste bogroll they send IS enforceable. cause i bet you 100% it won't have come from them awaiting the OC to send it....their raiding their filing cabinets now i bet..
    • Still waiting for these diagrams. We've been dealing with this story for nearly 48 hours now and we are only starting to understand exactly what happened and we still haven't got information that we've asked for.  
    • Dx100uk well not really, considering he pulled out on me from the side of the road. He should have gave way. Why do you think he has told a different story to his insurance ?   Because he knows if he has said he pulled out on me he would be held liable.   He pulled away from my left hand side then braked- leaving his van in an angled position, it literally happened within the space of a split second  
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies
  • Recommended Topics

My ex-partner died, I'm scared of debt


Please note that this topic has not had any new posts for the last 2875 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

My ex-partner recently died

 

a few years ago while I was with him he took out a 2nd mortgage loan on his house to clear his debts but I signed too

 

- the loan people said I needed to sign because I lived there.

 

The house was not in both our names

- it was his house and the loan was secured on his property.

 

He said it would not affect me, they just needed to know who was living there.

 

We split up nearly five years ago. I don't know where I stand with this.

 

He had not been paying it,

his mother says she has found a lot of horrible letters regarding this with my name on them too.

I'm afraid I may be in a serious amount of debt.

 

Any thoughts or advice you could offer would be appreciated very much.

Ali.

Link to post
Share on other sites

I know that when my OH and I remortgaged we had to get our adult children to sign to say that if we were repossessed they wouldn't expect to stay there.

 

I imagine the sale of the house would cover at least some of the debt, but unless you have paid anything or acknowledged any debts in the last 6 years they'd be hard pressed to make you pay anything.

 

If any of the creditors try to contact you by phone tell them you need it in writing and put the phone down.

 

I think you may be worrying unnecessarily, but it might be worth asking his mother if you can see the letters so you know what you're dealing with.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

Link to post
Share on other sites

Thank you caro.

 

I will be seeing the letters soon,

 

his mum will be giving them to me to go through.

 

I have never paid any of it,

 

he had always said that it wouldn't affect me

 

so I have never given it much thought until now.

 

The loan was taken out around 2007 and I left in 2009.

 

Thank you again

Link to post
Share on other sites

Have you had any problems yourself getting credit? See what the letters say when you see them and if you're concerned then you could check your credit file to see if there's anything on there that you need to be aware of.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

Link to post
Share on other sites

might be an idea to check your CRA file

 

see below

 

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... 

Link to post
Share on other sites

Who is the 2nd charge lender?

I came across a very similar issue a couple of years ago. Friend and her son signed up for a joint secured laon with GE Money, but friend was sole owner of the property. Try as we might we just couldnt get any answers.

Link to post
Share on other sites

Thanks everyone. This debt is on my credit report I have checked. It is a secured loan with First Plus, my ex-partner owns/owned the property. I am in the process of seeking further advice.

Link to post
Share on other sites

what is the listed defaulted date and the outstanding balance please

 

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... 

Link to post
Share on other sites

ouch!!

 

you don't need that

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... 

Link to post
Share on other sites

Hi Alison

 

Firstly whilst it is your ex-partner, I would still like to say I am sorry to hear of your loss.

 

Do you have any idea of the value of the property and the amount still owed to the mortgage lender (first charge).

 

The executor of the estate of your ex partner will sell the property and any money left over after the mortgage has been paid will be used to repay, depending upon the amount this 2nd charge loan either in part or in full

 

I think you need to establish if the value of the property is sufficient to repay the debt first and then if it isn't, we can consider arguments about what you can do next.

Edited by bhall

 

Yes Mark, I am Bones

Link to post
Share on other sites

The citizens advice bureau say that because it is a secured loan as a second mortgage on his house, the debt will be paid through the selling of the house, the executor of the will will need to sort that. although if there is any debt left after I may have a bit of a problem, for now I feel relieved. There is hope.

 

Thank you dx and everybody for all of your thoughts and help.

 

:grouphug:

Link to post
Share on other sites

bhall I just found your message, thank you too :-) I don't know many of the details of the first mortgage, that was before I met him.

 

I feel sad that he has gone because he was also a close friend.

 

The property I think was valued about £65,000 and he brought it through 1st mortgage of £35,000.

Edited by Alison356
More to say
Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...