@santanderbankgb Phillips Cohen for DLC trying to collect santander debt of deceased husband

[Anne Elizabeth]

If the money isnt in the estate, and is in dispute, then the debts died with him... to put it bluntly. DCA's know this but since they are so pompous and greedy, they dont care and will STILL chase you for it.

 

 

Thank you.

 

 

My husband did not leave any estate in his personal name.

 

 

Our bank accounts were joint and the house jointly owned - we were not "tenants in common"

so the house passed into my sole name with no need for probate, executors, etc.

 

 

I wonder if they may threaten to put a charge on the house, though?

 

 

However, I would think that they would need to take the "estate" to court to do this

and they haven't proven any legal rights to demand money, as far as I can see.

 

 

Although I know that they are just "chancers", shall we say, they do cause distress and

 

 

I intend to see them off - with the help of you wonderful people on this site!

[dx100uk]

I wouldn't enter into any letter tennis with them.

 

 

theres nowt they can do to you nor any assets left.

 

 

you need to go read up about Philip cohen, this is there line of work.

 

 

they rarely get anything.

 

 

dx

[Anne Elizabeth]

Thank you.

 

 

I was just thinking earlier that this is almost Dickensian!

 

 

"widow hounded by late husband's debt collectors!".

 

 

It seems we haven't changed much since the 19th century!

 

 

In fact, I've had so much upset with my husband's death and the deaths of my parents not too long ago,

that this has now made me very angry!

 

 

I've decided that I'm not going to be harassed and upset, grrr!

 

 

I'll keep you all informed on developments.

 

 

Thank you all again xx

[Anne Elizabeth]

Hello everyone. Just an update.

 

 

I have this morning received a second letter from Phillips Cohen, addressed to the executor of my late husband.

 

 

They say that they understand that there are many time constraints and pressures on those dealing with the final affairs of a deceased loved one

and that their intention is not to cause any additional anxiety or distress!

They say their clients, DLC, are entitled to look to the estate for payment of the debt.

 

 

As they have received no communication from me, they are asking me to telephone them, to discuss the estate as soon as possible.

Of course, I won't be doing that!

 

I wonder if it is now the time to write, as Scarlet Pimpernel advised.

 

 

My only problem is that I don't want to really enter into any correspondence with them over a period of time.

 

 

However, if I write what Scarlet Pimpernel advises, hopefully, they will cease contact.

 

 

I just wondered what your thoughts are on this.

 

 

Thanks for you help.

 

Best wishes.

[dx100uk]

having seen this several times

 

 

pers I would not

stay silent.

 

 

dx

[Anne Elizabeth]

Thank you, dx. If you've experience of this company and you think it best to write, as Scarlet Pimpernel advises, I'll do that. I don't need to respond any further once I write to tell them to go away! Once will be sufficient, I think!

[dx100uk]

ah that reads wrong.

 

 

I mean do not respond

 

 

keep silent.

 

 

dx

[Anne Elizabeth]

Oh thank you, dx. I'll leave it for now then.

 

 

I do think they'll persist though.

 

 

I'll keep you all informed of what happens.

 

 

I'll probably write if I hear from them again but I don't want to start a paper trail with them, or it could go on for ever!

 

 

However, if I make it clear, as Scarlet Pimpernel advises, that there will be no further communication,

hopefully, that will be the end of the matter.

At least it's costing them money with every letter they write!

 

Just a thought - they say their clients are entitled to look into the estate! What a nerve!

 

Best wishes.

[fkofilee]

Thats interesting... I have just read tons of stuff on PC and them chasing dead peoples debts...

Out of interest and sorry to be a pain, what is left of the estate?

[Anne Elizabeth]

My husband had no personal estate.

 

 

Everything was in joint names,

so the bank accounts were simply transferred into my sole name, as was the house, which was previously in joint names.

 

 

So really, he left no estate.

 

 

I did not need to apply for probate or letters of administration.

 

 

His only "personal" possessions were obviously his clothes and a car on the mobility scheme, which has been returned.

 

 

I've just been reading PC's website - they say they have a relationship with the Samaritans!

 

Thank you for your interest and help.

 

Best wishes.

[fkofilee]

Thats okay #Always glad to help. I agree with DX and I dont. I agree fully with SP that maybe writing and telling htem there is no estate left is the best thing to do, but its your call.

I think the end option is trying to prevent any further issues appearing down the line

[Anne Elizabeth]

Yes, I'm beginning to think to write and get rid of them may be the best option, even though I don't think they've any right to any information from me! I think that I shall write, very briefly and to the point, also making it clear that it will be the end of the matter and no further correspondence will be entered into. If they continue to pester me after that, I imagine that I should be able to make a formal complaint against them to someone?

 

Many thanks again.

[fkofilee]

Ohhhhhhhhh Yes...

Complain to them, then refer it to the FOS

 

IMO, the FOS would side with you on this... Also the FCA would be a good idea...

[Anne Elizabeth]

Thank you for your help. I'll write and let you all know what happens then. I'm looking forward to telling them there's no estate!

 

Best wishes.

[dx100uk]

cohen's don't give a flying fig.

they write even more

 

 

never seen one letter from them where they say sorry

apologies and go away.

 

 

their letters are a well prepared script from years of clever spoofing

 

 

wonder where the money goes if they do manage to spoof people into paying...urm...........

 

 

dx

[Anne Elizabeth]

Yes, I wonder where the money does go? Unfortunately for them, there's nothing for them here! I don't think there's much they can really do, in the circumstances! They must realise that it's statute barred in any case, so as you say, they're just trying a con. Will let you know what happens. Thanks again.

 

Best wishes.

[Anne Elizabeth]

Hello everyone. An update. I've just had a telephone call from Phillips and Cohen! I have to say that he was polite though.

 

They wanted to speak to my late husband's personal representative but I refused to give any names. He said they'd sent two letters, I said, "Yes, they're in the bin." he was quite persistent, saying that he needed to talk to someone with regard to the estate. I told him this information was personal and in any case, there was no estate. He kept saying that he needed to speak to a representative. I told him that I would not discuss this with him at all. He then said that there were one or two questions to be answered and then there would be closure and first could he go through some security questions, which I refused to do, saying I had no idea who he was and in any case, I was saying that this conversation was closure and would complain to the relevant authorities if any further contact was made.

 

I would not have answered the telephone but it was a Manchester number and we do have relatives there.

 

I wonder if this will be the end of the matter, or they will persist? I'll keep you informed.

 

Best wishes.

[Stigman]

I would not have answered the telephone but it was a Manchester number and we do have relatives there.

 

DCA's etc. are well known for this activity, they have a bank of national dialling codes to use to pass off as either a local number or if they have information an area code where you are familiar with receiving calls from, this as you now know is to deceive you into thinking that it is a call from a local number.

 

If you have the facility on your telephone (i.e. BT8500) then place the call into your block list.

 

Stigman

Edited January 15, 2015 by Stigman
missed a tad of stuff - does happen, one day will be happily single with no kids :)

[Anne Elizabeth]

Thank you. They do have an office in Manchester. I hope they won't ring again, as I made it very clear to him that I would consider any further communications harassment - not sure if that will put them off though!

[dx100uk]

harassment if they do

 

 

if they had any legal right to anything

 

 

they would not be trying to con people on the phone.

 

 

all he wanted to do was to make sure he was threatening the correct person.

 

 

they state all kinds of crap on the phone

that they would never put in a letter as they know they'd get carpeted.

 

 

dunno where it was

but a long time ago there was a post/thread

 

 

they told an exec of an estate that because they had put up a garden shed

to clear their dead relative belongings into

on property listed on the deeds

 

 

they were automatically now liable for the relatives debts!!

 

 

total baloney!

[Anne Elizabeth]

Thank you dx.

 

 

It also crossed my mind after I'd spoken to him that if the original lenders knew they had a legal case a

nd were likely to win then they would have started court action some time ago.

 

 

It was very much a coincidence, as I was going to write today to tell them there's no estate, will, etc., and to not contact us again.

 

 

I would not give him my name and made it clear not to contact me again.

 

 

I think he was trying to establish identity, as I told him, he has no right to that information, or to make contact.

 

We shall see what they do next.

 

Best wishes.

[Bazooka Boo]

Well done, superbly handled, as you say with any luck they will now realise that they're going to get nowhere with this and leave well alone, however, should they persist, complain away to the relevant bodies who claim to police this industry.

[Anne Elizabeth]

Thank you Bazooka Boo. I just have a feeling they will persist! We'll wait to see what happens, I'll keep you all informed.

 

Best wishes.

[john432]

Any update please?

[Anne Elizabeth]

Hello everyone. Yes, just an update, sorry, I meant to get back to you.

 

 

I have had no further contact from Philips Cohen since they rang me up.

 

 

I have been waiting to see if they contact me again

 

 

- so far nothing!

 

 

No doubt, thanks to all of your good advice!

 

I shall keep you informed.

 

Best wishes.