Direct Debit help

jane45

Hi

My Mum has Alzheimers and is in a nursing home. We have her bank statements which have 3 direct debits that go out monthly. All 3 are to insurance companies and are all for around £15 pm but we have no idea what they are for. We have contacted all 3 and told them the situation and given them as many details as we can, name, DOB, address, NI number but all 3 have said they cant trace any policies in her name!!! She is no longer at the registered address.

We have contacted a solicitor but they have said it will cost £600 to investigate. We dont really want to do this as we have no idea what the policies are worth if indeed anything. They could be for absolutely anything!!!

I hope this is the right forum and look forward to any advice.

Jane

opinions4u

Which insurance companies?

They could include buildings and contents insurance.

Is her mind sound enough to agree to power of attorney? If not, you should organise her affairs with a court of protection order.

Then you could ask the bank for any reference numbers linked to the payments.

zppp

jane45 wrote: »

Hi

My Mum has Alzheimers and is in a nursing home. We have her bank statements which have 3 direct debits that go out monthly. All 3 are to insurance companies and are all for around £15 pm but we have no idea what they are for. We have contacted all 3 and told them the situation and given them as many details as we can, name, DOB, address, NI number but all 3 have said they cant trace any policies in her name!!! She is no longer at the registered address.

We have contacted a solicitor but they have said it will cost £600 to investigate. We dont really want to do this as we have no idea what the policies are worth if indeed anything. They could be for absolutely anything!!!

I hope this is the right forum and look forward to any advice.

Jane

All a solicitor would do is write to the companies to request further information. It may not be possible the information over the phone, so a basic letter should suffice;

To whom it may concern,

I am writing to you to request the policy documentation for the insurance policies I have been paying for. I have a Direct Debit reference which is XXXXXXXXXXX, but do not have any other infromation about our agreement.

I look forward to hearing from you.

Send something like this to each of the companies, as that is all a solicitor would send. (with 'my client' throughout the letter)

opinions4u

The company would be in breach of the DPA if they disclose information to a solicitor unless that solicitor had a written authority from the policyholder, POA or a Court of Protection order.