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    • Do you have a previous thread about this case, lindyhop? I don't think we can advise in isolation.   HB
    • Hi Looking for help to write a letter to the courts, following agreement by the other party (claimant) to allow an extension so that i can formalise my defence.    
    • So I will plead guilty and attend court. When they ask me if I have any further thing to say, I'm planning to write it down, bring it with me so that I don't get freak out. Could you help me review it?   Dear your Honor and the TfL team,   My name is [...]. I have been studying in the UK for nearly 9 years, currently holding a Tier 4 Student Visa.   I am attending the court today for fare evasion charges that I have committed and feel ashamed for what I did. What I did was not appropriate and has caused trouble for TfL and the public purse themselves; therefore, please consider my most sincere apologies. This is my first and my last ever offence that I will ever committed.   Over the course since this happened, I have been considering on how to get back on track and be a better person for the society and for myself. I have been obeying TfL policy ever since and do not plan to repeat my crime ever again. I also want you to please consider my mitigation circumstances upon my punishment, I have been in the country for a long time for my academic research and planning to apply for a leave to remain after my study finishes, this can affect largely to my application. I am half way to my Doctorate research and I really hope that I can continue to finish my research. If there is a conviction on my record, there is a chance that my university will reconsider and postpone my research which will be devastating for my academic development which my parents have heavily invested in. Moreover, because I have been spending all my time in the country, if I then come back to my country ,I will be more lost because I have developed into the custom. My parents are now all retired and I hope after finishing my studies,I can get a good job to support them, with this conviction on my record, it will be more difficult for myself to find a good job in order to repay for what my parents have done for me.   I hope you can please consider my plea, I will be more than grateful to pay for all the unpaid fare and administration cost for the court and TfL.   Once again, thank you for listening and I apologise for my behaviour 
    • I said I want to start a change back, I said it was fraud, passed to 2 departments, and they said nothing could be done. They wish they could.   Don't use your mobile one handed and push up the screen with out thinking a cash grab is at work.
    • I think it's certainly snake oil, and may just be an enormous bluff. Cireco is not registered with ICO, nor is it named as a trading name of RLP (which it should if they claim it's under their registration).  They can't process data without consent, and I don't think their silly 'shoplifting register' falls under the data processing exemption for crime prevention or legal reasons, since all are just unsubstantiated allegations.   
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Hi all,

 

This time last year my gran passed away.

We have discovered this week after finally clearing out everything in the premises (extreme hoarder) that she was a customer of that lovely company we know as Provident.

 

From the mountains of paper work I've looked through, I have found 23 legible statements first one with a date of March 2008 and last one December 2014 - The oldest of the paperwork (extremely water-damaged) have the provident logo's and date Nov 1999.

We have counted every one of these and there's 121 (inc the 23 legible) - which works out at roughly 3-4 loans per year from '99! (statements seem to be 6mths each)

 

From the 23 I can read the total value paid back £32k - they average approx £800 each one & have an APR 245% (or around that mark).

(Agreements dated before 2013 £20k was paid back) and each time one was taken out there was a repayment within 14days.

 

My Gran, left no will - and my mom acted as executioner(?) though nothing official (except for Hospital letters stating her as N.O.K).

She was in receipt of disability / benefits/ pension for years - I'm 40 and I remember going to the post office with her to cash her giro when I was alot younger.. She never held a bank account - did'nt believe in them. the only time she had an account of some sort was when the DWP started to pay into a post office account.

 

I'm aware that Provident are one of the many being investigated for IRL & I've seen other threads where people have refunded PPI on behalf of a deceased relative.

 

My question are - and might seem stupid considering the length of time I've been on here (and successes I've had)

1) Where do I start - do I send a GDPR / SAR request to Provident - (is there any specific wording/template for a deceased relative).

2) Provident will probably only hold 6yrs of info, but what about the year's prior to 2013 where I have statements?

3) Is there a specific IRL template (for a deceased relative)

4) We only have a the death cert. no other paperwork - will this suffice or are we unable to go after them for IRL?

 

It has come as a great shock to see these, and to know that she'd had multiple loans running at the same time with benefit as only source of income. What made it worse is she said she was putting money away for her funeral and family - but my mother had to take out a loan (with a reputable bank) to pay for all the funeral costs & money owed to DWP in over payments.

 

Thanks in advance for your help.

Edited by ads_uk

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Hi. I'm sorry to hear about your gran. It's upsetting to find out that family have been preyed upon by expensive lenders, we've had this in our family too.

 

I think you mean executor rather than executioner. :) Assuming there was a will, otherwise it's administrator.

 

I'm not sure about sending an SAR for a deceased relative, there's another current thread here about that.

 

There's also a newish thread by reallymadwoman about the DWP claiming money owed by a deceased relative. I don't want to build up hopes but it's possible that the debt ceased when your gran died. It's worth looking into at least.

 

HB


Illegitimi non carborundum

 

 

 

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Isnt predictive text wonderful...

 

Ads i think with the evidence you already have you have some serious weaponry there to do provi some serious damage atleast but not limited too - Very bad publicity.

 

There are no special templates nor are they needed

Just inc proof you are an admin with an sar or write as one.


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

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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

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I think you mean executor rather than executioner. :) Assuming there was a will, otherwise it's administrator.

 

The status of executor or administrator would only be granted after a probate application has been made. If the estate is worth less than £5,000, there is no court fees to pay. For further information, see: https://www.gov.uk/wills-probate-inheritance

 

I have my doubts that Provident (or any other body) would respond without a letter of administration, so it may well be worth applying for probate.


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IMHO that might well be a very good idea

 

 

this case could go a long way.


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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Thanks for your prompt replies.

Probate was never applied for - going through the link in the above, the Inheritance Tax was never done (apparently) she live in rented (council) accomodation and had nothing so I would definitely say it's less than £5k

 

We are now trying to find the Will, so we can apply for Probate/letter of administration.

If we can not find the Will does it cause issues for obtaining the Letter of Administration?

 

We have found another 2 statements for 2007 both separate loans of £1.5k each -- it's mind blowing how they've took advantage of her.

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Hi.

 

If there's a valid will you apply for probate and become executor/s. If not, it's Letters of Administration and you're administrator/s/

 

HB


Illegitimi non carborundum

 

 

 

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Response back from provident:

Thank you for your email, requesting a Data Subject Access Request which relates to your late mother’s account with Provident Personal Credit.

We are sorry to hear of the passing of XXXXXX, please accept our condolences at this difficult time.

We have reviewed and considered your request and on this occasion we have been unable to provide the information that has been requested, as Data Subject Access Requests are only available to be made for living individuals as outlined in the Data Protection Legislation.

Is there anything I can go back with to request this OR should I just stick in the IRL claim based on the information I have got?

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After their refusal to supply further information, I submitted the a letter in regards to IRL on my mother's behalf.

They have today acknowledged this, however as pointed out earlier by Mr.P they are requesting grant of probate or letter of administration.

Unfortunately, it's now been discovered that another family member has the will and are refusing to part with it as "they do not want to drag [my nan] her name down".

When informed as to why we require it ' I've spoken to the council worker [the relative has had help recently finding accomodation and filling in forms] and they say that their solicitors can deal with it all"

So I think we are now screwed with any claim and provident are wiping the sweat away.

If only you can pick your family.

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spoken?

not by phone I hope?

 


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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10 hours ago, dx100uk said:

spoken?

not by phone I hope?

 

Yep.

This person is one of the named beneficiary of my nans estate - after she died they had help from a council worker to complete forms for accommodation, benefits and employment etc (my nan used to help him) - apparently this council worker stated to get all the information as they have their own solicitors that can assist - I do think they are under impression it's PPI..

 

Without the will we can not do anything, they also won't be happy that you have to send the will off to get Probate..

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38 minutes ago, ads_uk said:

Without the will we can not do anything, they also won't be happy that you have to send the will off to get Probate..

They do not get a choice in the matter. They can always get the solicitor to provide a certified copy of the will before sending the original off with the probate application.

 

Do you know who the executor is who has been named in the will ?


PLEASE HELP US TO KEEP THIS SITE RUNNING

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No... you can't eat my brain just yet. I need it a little while longer.

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13 minutes ago, Mr.P said:

They do not get a choice in the matter. They can always get the solicitor to provide a certified copy of the will before sending the original off with the probate application.

 

Do you know who the executor is who has been named in the will ?

I am unsure, but my mother handled funeral and I think she said was a witness to the will.

(No bank account, credit cards to close so this was never required before)

Knowing what they are like I can understand that they don't want to part with the will, as it's got my nans details and handwriting (he's abit possessive when it comes to these things)

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