None whatsoever they are private property

Hi All Re the above increase in payments why is it that MBNA are the only CC bods that have implemented this calculation Barclayshark have kept their payments to 2.25% or interest + 0.1% and afaik no one else has implemented this ridiculous increase. Anyway my point being they obviousley want to sticth peeps as much as possible.

Hi All Well up until now I have been trying to service this problem and to some extent succeeding, however since the increase in payments i.e 1% + Interest this has made it unmanagaeable and my priority is my family therefore I managed to negotiate an arrangement and this resulted in the interest rate being reduce to c. 3.8% per annum on the assumption I pay a fixed amount each month which would be manageable. However on reading the terms it means an Arrangement to Pay will be lodged with the CRA and this will last for 5 years while paying and 6 years thereafter. I already know they dont have a CCA I was wondering if I offered a settlement would that be a better option. Really could do with some opinions so that I can weigh up all my options, the arrangement screws me for 11 years whilst a default / short settlement is only 6 years any thoughts please.

I agree I won some compensation and it came of the card balance so likely to reduce the amount owed even if it is in dispute imho

What is the credit insurance fee if that ppi it's about as much use as a chocolate firegaurd and needs to be cancelled IMHO

Is this a credit card or loan and are u still using it for purchases ? I think it's the interest charge but seems a strange terminology

Cerbs that is a good way of putting it and makes perfect sense. Brig I too wonder if it has been put to the test but have failed to find anything on the subject anywhere, will still look just for future reference

If they do believe in reincarnation they are boy going to meet me again one day lol Anyway on a different note obviousley been doing loads of reading and came across a an article about advertisments to do with statutory rules i.e London Gazette stuff, anyway it stated that (if you are aware a debt exists you are not protected under the Statutory advertisment rules i.e if a creditor doesn't make a claim within 2months and 1 day this doesn't count if you are aware) I wonder how that would stand up if challenged as I couldnt find anything to back up that particular statement Any thought would be interesting on the above All is quite at the mo

Thanks guys really appreciate the time u have spent to research I will indeed grab a credit report via the solicitor as Cabot state they will report to CRA etc. Can't for the life of me understand why as it seems pretty pointless they cant hurt him anymore I fail to understand the mentality of that action Oh and Brig don't worry about misleading it wasn't taken as intentional I respect everyone's comments and make informed choices

Have just found this and I think its worth pasting a link foir future references http://www.talktalk.co.uk/money/latest-features/credit-centre/protecting-identity-of-the-dead.html

Thanks cerbs, I did google it and whilst the search never returned any information it did suggest contacting the CRA's and putting a deceased marker on his file so that noone can commit identity theft. and regards the notice yes that does protect the estate was just being over cautious I think

I want to check to ensure no other lowlife are going to come out of the woodwork so I am thinking of getting my Dad's CRA report and check if there is anything potential on it is that possible will look at experian website anyway but wondered if anyone had any ideas here

Hi All Gone very quite, haven't heard from Morgans yet so still waiting, can I finalise the accounts now, we have the final tax deduction certs for year of death and the forms submitted all is well on HMRC front. As we haven't finished with Cabot yet does that mean distributions cannot be made until they say no liabilty exists or can I go ahead, everything I have read suggests the former that until its paid nothing else can be paid. All other bills are sorted council tax electric etc this is the last one.

Thanks brig I appreciate the support I am getting and the advice I shall now sit tight and await the engine of Morgans to fire into action and then hopefully make it cough and splutter

I am firmly on the page of no proof no pay so will continue to reject any claims from Cabot and the solicitors. I am hoping the solicitors will see sense and agree with me, how naive am I being however one can live in hope, so all I need to do now if make sure everything I do is absolutely documented perfectly. I have been doing a lot of reading and already know that the letter Cabot sent at weekend was against oft debt guidelines as it wasn't sealed so enabling all and sundry who handled the letter to have quick read, so watch this space and if anyone can add any snippet of info regarding this it would very gratefully appreciated.