HSPF Bank Of Scotland

[Miky-J]

Hi All

 

Im hoping you can give me some valuable information as you guys did before.

 

 

My Grandad took out a loan and sneakily got my nan to counter sign the application.

 

 

Unfortunately my Grandad has passed away now

 

 

due to him getting my nan to counter sign, They are now chasing her for the debt.

To which she was extremely surprised about as he never discussed the loan with any one.

 

 

West croft did take up the chasing of the loan but i managed to sent them packing.

 

 

As they were not aware my Grandad had passed away, once id informed them of that

they wrote to me apologising and said the would take no further action.

Thus passing it back to the bank of Scotland.

 

I know she should have asked what she was signing at the time

but now there hounding a frail 84 year old for £5179.44.

It is now making her ill with worry and stress.

 

 

Ive got a letter of authority from my nan so i can step in and deal with this on her behalf

to try to relive some of the stress there causing here.

 

Any advice would be appreciated

 

Miky J

[dx100uk]

when is this from

is this on her credit file

 

 

dx

[Miky-J]

From the information i have managed to gather. The loan as through her catalogue in my Grandad name but due to it being her catalogue she had to counter sign it. I will look in to the credit file to see if it is listed on there.

[dx100uk]

catalogue?

 

 

dx

[Miky-J]

Yes my Nan had a catalogue with K&co and its the parent company HSPF (Home Shopping Personal Finance) whom the loan was with.

[dx100uk]

ah yes I remember that before they did the finance themselves.

 

 

dx

[Miky-J]

Hi I've now had the information come back and unfortunately this is showing on my Nans credit file. Also we have had a letter from the demanding £80 pounds a month from her

[dx100uk]

who's the demand from?

 

 

tell us the history of the debt please

 

 

date

default

opened

last pay

 

 

dx

[Miky-J]

The Bank of Scotland has sent a letter stating they require £ 80 per month or further action will be taken.

 

Back in Sept 2009 my late Grandfather took out a loan but sneakily got my nan to sign it as well . Unfortunately he passed away in June 2013 we informed all his creditors of his passing and forwarded his death certificate to them but this one came back due her signature being on it.

 

while trying to sort the finances out for my nan this got passed to westcot debt collectors. with out us knowing she was paying westcot £80 a month. but they kept sending her letters asking for a higher payment. i happened to find one of these letters and questioned my nan about this payment. An she said she was scared as they said if she didn't pay they would take here to court so she agreed to the £80 a month with waistcoat. So upon finding these letters i contacted westcot and opened a can of whoopass on them to which they quickly backed down. i forwarded them a copy of the death certificate o which they wrote back to me saying they wanted no further involvement in this debt and was passing it back to the creditor. So now Bank of Scotland are now pressuring her to pay the £80 a month again

[dx100uk]

you've posted all that already

 

 

you say you have her credit file

 

 

can you use that please

and answer my questions...

 

 

tell us the history of the debt please

 

 

date she took the finance out

 

 

the default date from the file summary

 

 

and the last time anything was paid to it.

 

 

the file should tell you everything .

[Miky-J]

Date taken out 15 September 2009

 

First Default August 2013

 

Last Payment Made November 2014

[dx100uk]

any chance you can PDF that pix please

cant see that thumbnail too well.

 

 

it might be time to send them a CCA rquest

 

 

this is not looking good sadly.

 

 

dx

[Miky-J]

Hi its now in PDF format

[dx100uk]

ouch!

 

 

you could try a CCA request preyin they don't have it

but as its post apr 2007

they'd be able to enforce it with a recon.

 

 

are you aware of how the balance occurred?

 

 

might an sar to K&CO be in order

looking for PENALTY FEES and PPI

 

 

very probable on cat debts

 

 

dx

[Miky-J]

i will send a cca request in the post in the morning.

 

My Grandad had a loan with his MBNA credit card to buy a car but the interest rates were sky high.

 

 

He was looking at loans with lower interest rates to pay the MBNA one off so it would work out cheaper in the long run.

 

 

He Borrowed £7000 in the beginning.

If it turns out she is 100% liable for this debt can they refuse an offer of £20 a month repayment.

 

 

I know it sounds crude but my nan not got many years left in her.

 

 

So i don't really want her worrying and stressing trying to scrimp by to pay these the money they're demanding.

 

Thanks

 

Miky-j

[Miky-J]

Hi i have finally got the credit agreement from them

 

 

i have scanned a copy and will be attaching it here.

 

 

ok to me apart from there is nothing about rights to cancel on there

 

 

could some one whom knows more look and see if this is correct.

 

Regards

 

Miky-j

 

I have just picked this letter today.

 

 

They claiming they haven't received a letter for me to act on my behalf even though they have corresponded with me over the last few weeks.

 

 

Its a little confusing as in this letter it states the agreement as signed in 1990

 

Regards

 

Miky j

[dx100uk]

your attachments are HUGE!

 

 

1 page should be about 50kb not 17Mb.

 

 

well need to see all the terms and conditios too

scan everything into a word doc

then pdf it

 

 

dx