Link Financial chasing deceased parent MBNA debt at my address

[dx100uk]

int on £5k would be more than his £202PCM payment.

notice lots od £12 fees too

they are reclaimable at their int rate.

 

just remember LINK will NOT know you have these

so don't let on

it's for them to provide evidence you owe it,  and they haven't to date.

 

do all the payments [like the £202 £404 £606] match bank statements where he paid it from?

[lolo1]

I don't have those statements. According to MBNA, he double paid when he missed some. Those finance charges should be illegal. I think this is what killed my dad- the stress.  Is there anything I can do to make / force them to take a reduced offer (link). 

[dx100uk]

you don't need to do that no.

 

sar his bank then.

 

dx

 

[lolo1]

Can anyone tell me about the access people like Link have to my dad's affairs?

By this I mean, when they ask for a list of his assets/other debts,

will they accept a list or will they demand receipts etc?

I am wondering how much legally I have to release (paper trail wise). 

 

I need you guys so much.

Thank you for assisting. 

 

can I ask....?

 

According to the mbna statements,

my father kept up with the agreed payments for 3 years..

.his last (on time) payment was at the end of April (the allocated date) but then in June it looks like it was sold to Stink.

 

Are they allowed to sell your debt to them on to a DCA at any time if you have kept up payments?

 

Even if he had missed May...

 

.is that cause for them to sell it on? 

[dx100uk]

47 minutes ago, lolo1 said:

Can anyone tell me about the access people like Link have to my dad's affairs? -

By this I mean, when they ask for a list of his assets/other debts, - only what they can see on a credit reports status line, NOT the full calendar history of anything listed i'e credit card taken out [date] owned by [owner] amount owing debt status defaulted . latepay etc.

 

will they accept a list or will they demand receipts etc? I am wondering how much legally I have to release (paper trail wise). you DONT have to tell them ANYTHING 

 

According to the mbna statements,

my father kept up with the agreed payments for 3 years..

.his last (on time) payment was at the end of April (the allocated date) but then in June it looks like it was sold to Stink.

 

Are they allowed to sell your debt to them on to a DCA at any time if you have kept up payments?

 

Even if he had missed May...

 

.is that cause for them to sell it on? - an original creditor need no reason to sell an asset.

seriously this topic is getting rather tiresome....

[lolo1]

Thank you- sorry it's tiresome.

I find it so stressful.

 

This is my life and if I end up having to pay 100% of what is down as owing, it will mean nobody else gets a thing.

 

People have shelled out for stuff after my dad's death, friends owed money and if get it 'all' that will be so many people left in the lurch.

 

I have been told to expect a letter to me as executor asking for a list of assets and debts and I have to comply with that unless I want to be taken to court for it.

 

This was why I was asking if in that I can send back

= this is the monies,

this is the debts

(no creditors named just a total amount)

and this is what portion you can have.

 

I am VERY sorry you are finding in tedious but I REALLY appreciate you helping,

 

I have nobody else to guide me.

 

[dx100uk]

I have been told to expect a letter to me as executor asking for a list of assets and debts and I have to comply with that unless I want to be taken to court for it.

 

told by who and by what method??????

[lolo1]

I contacted a solicitor today for advice (no fee, it was via a friend) and they said that as the executor, they will send you a declaration of the estate assets and if you don't reply, or don't like what you have written down/ don't believe you, they can apply for a court to ask for that information. 

[dx100uk]

who can?

 

dx

 

[lolo1]

The DCA.

 

what I was asking, as you guys know all about this stuff, was

 

a) is that true that they can (Link) ask for a list of the creditors vs what his estate was worth?

 

b) Will they have a way of checking if I have listed it all (you have answered this above) and

 

c) if they don't agree with my submission, can you go to a court to say that the executor hasn't given them what they need?

 

Thank you for helping me DX100, it allows me to sleep another night

 

[dx100uk]

no

 

no

 

no

 

as they don't have an enforceable debt against him.

 

seriously FORGET ABOUT IT 

FORGET ABOUT LINK.

go enjoy your life.

 

we are now at 110 posts

within 10 posts numerous people had told you to forget about it..move on.

 

you seem to be looking at every possible way to give in..

 

there is seriously nothing they could do to you even if it were proved to be a live debt 

 

we charge £100 for every post you've made here

we'll send our bill to you tomorrow...

 

cough cough..we cant do that 

neither can fleecing link IGNORE THEM.

[lolo1]

Is this a credit agreement? It's been sent to me as the credit agreement  

credit agreement .pdf

[dx100uk]

needs redacting properly

hidden.

 

doesn't matter if it is anyway.

you aren't liable to pay them anything.

 

dx

 

[theoldgit]

It still seems to be visable