Jump to content


  • Tweets

  • Posts

    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
  • Our picks

Caro63

GE/Engage credit - can I reclaim fees from late Father's Mortgage

style="text-align:center;"> Please note that this topic has not had any new posts for the last 241 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 Everyone,

 

Tricky situation, but I'm hoping for some guidance, found a few bits of info on here.

Unfortunately my father passed away last summer.

I am joint executor (with my sister who lives overseas).

 

Here's the background but unfortunately I don't have much paperwork

- He had a small bungalow worth £225k but also a £162,500 mortgage.

This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only.

He wasn't great with money(his whole life tbh) and soon fell into arrears.

 

In 2006 it was sold on to Engage Credit.

We are about to finally complete on the sale, and once all his other debts are cleared there's not going to be much left.

 

We have managed to get Engage to refund £320 in fees.

We're trying to establish when GE sold it on.

 

Engage say most of the fees were GE money.

There are £3554.30 in fees, plus £2703.72 in arrears.

 

I do have comprehensive list of the fees/arrears dating back to 2006, but its hard to see who charged what, and when it was transferred.

I'm so angry with companies like these who mis sell to elderly people who clearly can't afford the repayments, and my Dad was v clever hiding the full extent of the debt from us.

 

My questions are:

 

1 - Can I do anything as an Executor as the whole thing is so unfair?

 

2 - Why the mortgage for such a large amount was sold to a 70Yr old

- as the house can't have been worth anywhere near that in 2004

- I think it must have been mis sold (He only had a state pension)

 

3 - How can I trace who sold the mortgage? Can I report them to the FCA?[/left]

 

4 - Can I claim back fees retrospectively from GE Money (I've read the 2010 ruling on here) or doesn't it apply if the mortgage holder is no longer alive?

 

With many thanks and best wishes,

 

Caroline

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

yes ofcourse you can.

wwhy not SAR every company involved first

you'll be amazed at the detailed info you could get back.

 

only issue is its GE Money , I don't think anyone has ever nailed them down, they always find a way to wriggle out of their responsibilities.

 

don't forget insurances too!!

the only thing you are required to have is building insurance, and if he had that elsewhere they cant charge their own.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks very much I'll give it a go then!

Share this post


Link to post
Share on other sites

Hi,

 

Apparently company GDPR rules don’t apply to deceased people so they won’t send me the information [im an executor and have probate) - any ideas how I can get get info as otherwise I’ve no idea when the mortgage was started etc. Same issue with two MBNA credit cards or loans which are with link financial and Cabot that I’d like to pursue PPI for. Thank you

Share this post


Link to post
Share on other sites

I requested all my late parents stuff and had no problems

just inc exc proof.

ok that was in the days before gdpr but that shouldn't make any diff.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Hi,

 

Apparently company GDPR rules don’t apply to deceased people so they won’t send me the information [im an executor and have probate) - any ideas how I can get get info as otherwise I’ve no idea when the mortgage was started etc. Same issue with two MBNA credit cards or loans which are with link financial and Cabot that I’d like to pursue PPI for. Thank you

 

Send a copy of the deed of probate and death certificate and request all information in connection to the various agreements.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...