Just got Power of Attorney on mum

[Vworriedson]

Have a POA for mum (mental health for decades & M&S knew and know). She had M&S CC &Personal loan in 2000s and (according to her) they plastered charges and raised interest exponentially before she defaulted. It took 10 years for her to actually get a treatment that managed her depression, and a doctor using the phrase bipolar. 

We currently pay money each week into her account and pay the debt (do it for several others too).  She has no income as she is absolutely terrified of the benefit people and won't go out. 

Is there anything we (as outsiders) can do to get M& S (& others) to remove the excess charges and interests and maybe negotiate a final payment, or is it too long ago to get it looked at?

[Andyorch]

Hi and Welcome to CAG

Is the card still with M&S and you are paying them direct ? You mention " other's " ?

 

Andy

[Vworriedson]

Just joined and posted this on M&S  comment and now just read this. "Have a POA for mum (mental health for decades & M&S knew and know). She had M&S CC &Personal loan in 2000s and (according to her) they plastered charges and raised interest exponentially before she defaulted. It took 10 years for her to actually get a treatment that managed her depression, and a doctor using the phrase bipolar. 

We currently pay money each week into her account and pay the debt (do it for several others too).  She has no income as she is absolutely terrified of the benefit people and won't go out. 

Is there anything we (as outsiders) can do to get M& S (& others) to remove the excess charges and interests and maybe negotiate a final payment, or is it too long ago to get it looked at?"

 

Mum has tesco too and i was going to apply answer to it too. Literally just opened the intrum letter now.  

 

1. Can they do this automatically?

2. Surely they can't do credit searches without permission, isn't that illegal nowadays?

3. Who do we send details of the POA to, Tesco or Intrum?

Thanks. How do they expect sick and vulnerable people to handle this?  it is a minefield

[dx100uk]

posts moved to your existing topic please only post here.

can you scan the letter up to PDF please

read upload