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    • Morning. Just putting together my sar. The template letter asks for an account number and in the body of the letter again an account number as a starting point for reference. Dx did state not to put an account number in the letter so is it ok to just put my full name, dob and current and previous addresses to help them find me?  Many thanks. 
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    • Thank you for your replies BankFodder.   Hope this gets sorted now.
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Caro63

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

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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

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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.


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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

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

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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

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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

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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.


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