My Son passed away in 2009, he took a loan out in 2009 with Wonga for £500. During the following weeks I tried to get them to respond to emails I sent explaining the situation. The last reponse was they would pass details of my son's death death to the relivant department (May 2009) Fast forward to 2011 with no communication from anyone and letter dropped through the box with a new total debt of over £1,500, the debt was being passed through to Gothia , I put them in the picture and the it has now been passed to Assisted Probate Services who need to know the who the executor of the estate is. In there letter "Our intention is to offer you support and assistance in this difficult period" you can see this lot are part of Gothia I posted notification in the London Gazzette , no claims on his estate came forward. Can a company still add interest even though they have been told several times , I requested a statement and "true copy" of the loan , nothing wa sent. What can I do to get rid of these people Cub

Hi Thanks for your kind comments , I'm off to see a solicitor tomorrow , My own view is that although I was aware before I became Personal Rep that 1st credit purchsed a debt off CashEuronet, they were aware I was seeking probate but failed to respond to my request for information that would have put them at the top of the queue. no formal request by them was made while I was administering his estate. Best wishes Cub

Hi last year my Son tragically died and I became the personal representative to his estate. I was aware of debts he had in particular CashEuronet for a sum of £612. 1st credit took over the debt and during discusion suggested the debit could be settled for a smaller amount. I asked for copy statements in May of last year and left it at that. Towards the end of 2009 with no response from 1st Credit I placed a Trustee Act 1925 notice in the London Gazette, the statutor time expired , no creditors came forward. the act does suggest that the estate should only be concerned with those creditors who it is aware either formally or informally of any interest in the estate after that time In June 2010 I recieved a letter from LCS acring for their "Client" 1st Credit asking if payment for the full amount could be made from his estate. I'm in the process or putting together a letter containing the request for a copy statement made last year, emails between 1st Credit and myself and suggesting that If they want to persue the debt the must supply the signed agreement, T&C's and statement of the account. Is my late sons estate still liable for the debt after such a delay. Are LCS really solicitors as they are not showing up at the law society , if not are they breaking OFT guidelines ??? Regards Cub

I did use a broker , Norton Finance cub

I got the same today , its my fault that they never sent me warnings that there was going to be a shortfall, GE told me they were investigating via their complaints procedure , the loan was originally with First National. It gave me a little satisfaction to tell them that they had failed their side of the T&C as I quoted to them from my copy I can understand the reasons for maintaining a fixed payment for the duration of the loan, but having read other stories of GE overcharging I can't trust them Cub

Yep , the same rate was paid , they never told me their rate was going up or down. no warning that they were extending the number of payments. just on the phone now to get an update of my verbal complaint and was told all that happens is a note is made .. Cub

I tooks a secured variable apr loan out in 2004 , the first payment was September 04 and final payment August 2009 (60 payments of £597.27) In April I asked for a settlement figure and confirmation of the last payment date , the balance on the account was £3,199.77. With charges early settlement etc it would come to £3,451.81. I decided that due to the loan only having 5 payments I would not settle early (wished that I had). they confirmed the end of loan date of August 2009. the last payment was taken and I cancelled the direct debit. In September I had a letter from GE saying the direct debit was returned , mandate cancelled.. They now tell me that there are 2 more payments totalling an extra £900+ and they say it for interest changes that they felt were too small to increase the monthly payments so left them as was. I have raised a complaint, written and will take it to the FSA. either the settlement figure was wrong or the extra interest required was BOTH can't be right. Had I settled it would have cost me £250 in charges , now I'm faced with finding an additional £900. They are allowed to change the number of payments but they should have written to me. How can I be sure if I'm not being overcharged , what do I do next ?? Cub