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MBNA/Cabot/Hoist SAR Request denied deceased father


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Hi,

 

Im trying to unravel my late father's very complicated finances, as I'm his executor. I found a letter from Hoist Finance dated from last year stating they own the account, with an outstanding balance of £2131.92. When I phoned to say he'd died they told me it would be passed to 'Philips and Cohen' - this was mid-January and I've heard nothing (luckily).

 

Having read these forums I then wrote to MBNA requesting all his account data but they replied stating the 'GDPR only applies to personal data relating to a living individual'. is this true?There's also a letter relating to another MBNA debt from Link Financial, so they have sold the two on. I need to know how old these are etc. Letters scanned and attached.

 

The reason I'm confused is I've also written to Santander (using the same template letter) and have received all the loan info so they obviously have different rules! - I'm not willing to settle anything unless I know how old these debts are and what they relate to. We couldn't find any paperwork at my Father's house. Any advice as what to do next - I did send certified copy of probate certificate with my requests.

 

Many thanks for reading!

scan0041.pdf

scan0040.pdf

Edited by Caro63
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Philips and Cohen specialise in recovering debts from the deceased. Often resorting to stretching the truth as to who is responsible for repaying the debt and hounding the living.

 

The grant of probate gives you the power and authority to act as if the deceased was still living (in my opinion). If MBNA is not prepared to play ball, then complain to the ICO, and should P&C make contact, refuse to deal with them until such time as you have all the required information. P&C won't supply any data regarding the debt, but they may prod MBNA to do so.

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Stretching the truth is an understatement

Pers i'd not go chasing anyone

 

Not your job

 

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... 

 

 

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Thanks - I've read they're a bunch of idiots - I'm happy to tell them top get lost if I know where I actually stand with these debts as I've got a feeling they're old debts anyway. its just a pain as I've got three of these debt companies hanging over me (lucky me), and its like unfinished business. I can't distribute the funds unless settled really :-x

 

Yes, annoying that Santander and GE both responded but MBNA won't. I might phone them on Monday and as you say write another letter as I want to get the estate settled - but I'm not willing to pay debts that aren't valid any longer!

Edited by dx100uk
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who says they have to be settled?

where are you getting the info from these are owed?

 

go get his credit file

that will help i'm sure.

 

please don't waste his money..by thinking something nasty can happen to you it cant.

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... 

 

 

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Tried to get credit file - was very complicated but I think you're right that's going to give me a better overview of the last 6 years than anything else, so might pursue that first.

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