EEEEKKKKK......... Mother-in-Law in Debt....HELP

fletch3163

Hello everyone

I'm pretty sure all the answers are already here but am so spooked I need to ask immediately.

My MIL called me at work today in hysterics. She's c£1800 in O/D, mortgage missed 2 months (that I know of), direct debits have been returned unpaid and to top it all those robbers at Lloyds TSB have skinned her for £138 in unplanned O/D charges, 8 in overdraft interest and £60 in returned Direct debits.......... all on the same day!!:mad:

She's a widowed pensioner who has resorted to taking her widow's pension cheque to a cash converter so it doesn't get eaten up in her bank. I am FUMING!

Oh, right, the question(s):

How much does it cost to request bank statements? I don't want to enter into protracted dialogue with the bank when I could cut to the chase and just send the cheque for the statements.

How do I go about getting a very basic bank account for her? She just gets her pension in and a couple of bills out, that's it.
Any help would be so gratefully received.

gettingbetter

hi

you can send SAR letter cost £10

Data Protection Act 1998 Subject Access Request

Dear Sir/Madam

Account number: xxxxxxxx

Please send me the information which I am entitled to under section 7(1) of the Data Protection Act 1998 in relation to detailed occurrences relating to the account Numbers xxxxxxxx and xxxxxxxx-x

The following is by no means an exhaustive list but in the main this is what I require.

Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation.

Additionally, all records you hold on me relevant to the above accounts, including but not limited to:

1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the account.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response

4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

11. A copy of all account statements for the duration of the agreement.

12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.

13. A True copy of the consumer credit agreement section 77-79 of the Consumer Credit Act of 1974.

Any other information relating to the account.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, I shall be reclaiming them, and reclaiming the enclosed £10 Data Protection Act subject access request fee.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have found to be acceptable.

this is about the only letter i have come across on DFW you need to sign

hope that helps

kas xx

gettingbetter

co-op do a basic bank acc
they dont do a credit check and you can open it over the phone

kas xx

RosaBernicia

Hi Fletch

No experience of this I'm afraid, just didn't want to read and run.

Re. the basic bank account, search this forum as I'm sure it's been covered in other discussions. Re. the statements, not sure as I think it can depend on the account. Would your MIL not have copies already, even if unopened and stuffed under the sofa? And the ones who offer paper free are supposed to give you X amount of backdated statements free.

Hope it all works out

Rosa x

fletch3163

Thanks for the response Kas, I appreciate it. Co-op it is then:o

The letter's a bit scary for my needs at the moment actually. I just want to see where it all went wrong for her at the moment. I fully intend to reclaim her charges (I can only imagine how much they've robbed her of). She's old school and finances don't get discussed, let alone debt.

Anyone else know about how much I send. My head is saying a cheque for a quid but I might be getting mixed up with Equifax or something

fletch3163

Thanks Rosa, I've got one statement out of her, and am thankful I even got that. I've just now heard she has a doorstep collector. Greenwood?

SouthCoast

Older people back to post-war 'make do and mend' to weather the recession (11.05.09)

Seven in ten older people are resorting to thrifty skills picked up during the war and post-war years to help them save money and make resources go further during the recession‚ new research from Age Concern and Help the Aged reveals.

http://www.ageconcern.org.uk/AgeConcern/post-war-recession-release-110509.asp

gettingbetter

hi fletch

the SAR letter is just asking bank for all bank statements
that will give you a better idea whats going on

GREENWOODS are a loan company as far as i know
just like provident

kas xx

withabix

Greenwood are the same company as those shysters 'Provident'!

fletch3163

I'd be scared to send that letter at this point in case they asked for the overdraft to be paid immediately. There's no way she can afford that.

I've now done 5 basic mandates to allow me to obtain info from anyone I discover she owes money to. God, what if she has a credit card too? Gee Whizz, am hyper ventilating on her behalf.

talana

fletch3163 wrote: »

My MIL called me at work today in hysterics. She's c£1800 in O/D, mortgage missed 2 months (that I know of), direct debits have been returned unpaid and to top it all those robbers at Lloyds TSB have skinned her for £138 in unplanned O/D charges, 8 in overdraft interest and £60 in returned Direct debits.......... all on the same day!!:mad:

In the meantime, while sorting out a basic account elsewhere, she doesn't want the situation to get any worse. She should seriously consider cancelling those DDs if they're going to bounce anyway any pay the bills manually. Will stop future charges.
And are you able to loan her enough to stop the unplanned O/D charges too?