DoorStep Loans - What happens if you get Ill?

Aedhasdad

Hi,

Wonder if anyone has a suggestion....

My mother has some doorstep credit (Shopacheck, Provident, Naylors and Buy-as-you-View).

She was diagnosed with Cancer 5 weeks ago, we only found out 4 weeks ago, its agressive and now untreatible.... she has been discharged from hospital to die at home, we have weeks (if that) with her and i dont want her paying these companies, she needs that money for comfort and dignity items.

How do i tell these loan sharks to leave her alone?

I read on Buy-as-you-view's Website all credit is insured against death but the others dont have this information easily visible.

is there legal president to write to them and tell them to keep away?

Many thanks.

Tixy

You may want to seek some advice from one of the debt advice charities. IMPORTANT - Where to seek professional impartial advice about your debts.

They may suggest she writes to her creditors to explain her illness and offer a £1 token payment to each per week/month.

They may possibly suggest she writes to ask if they will consider writing off the loan in the circumstances (they don't have to but they may consider it).
Example letter here (but I would seek advice before sending it out) - https://www.nationaldebtline.org/EW/sampleletters/sole-letters/Pages/Write-off-the-debt-%28sole-name%29.aspx

If the usual collectors come they should be told you are seeking advice from a debt advice charity and are unable to pay anything currently but that you or the charity will write to head office.

FireWyrm

Aedhasdad wrote: »

Hi,

Wonder if anyone has a suggestion....

My mother has some doorstep credit (Shopacheck, Provident, Naylors and Buy-as-you-View).

She was diagnosed with Cancer 5 weeks ago, we only found out 4 weeks ago, its agressive and now untreatible.... she has been discharged from hospital to die at home, we have weeks (if that) with her and i dont want her paying these companies, she needs that money for comfort and dignity items.

How do i tell these loan sharks to leave her alone?

I read on Buy-as-you-view's Website all credit is insured against death but the others dont have this information easily visible.

is there legal president to write to them and tell them to keep away?

Many thanks.

Simply stop paying them. The debts die with her and if her estate has nothing, then it cannot settle. As for dealing with the doorsteppers, I suggest you write a strong letter advising them of the situation and that you will not tolerate intrusions at this time. If they call, tell them to go away and shut the door. If the situation is as desperate as you say and your mother is terminal, then she has nothing much to lose by simply ignoring them. You will have to sort it out afterwards and settle using whatever remains of her estate, but your priority right now should be her and her comfort.

Aedhasdad

Hi, thanks for replying.

I spoke to a debt charity yesterday who said that I should call Macmillan and they handle all of it for her.

These loans are classed as "non priority unsecured loans" and are not recoverable from next of kin.

I am also led to believe that they can only go after the estate AFTER the funeral costs are taken out, as there is no provision for costs in my mothers estate that means these loans are not my problem.

Thanks again and i hope this thread helps others in the same situation.

Tiddlywinks

Speak to MacMillan anyway as they can help with communicating with the companies in the meantime.

Your mum needs peace and quiet... she doesn't need to overhear a debt collector on her doorstep.

Best wishes to you and your family.

Polk

Macmillan are awesome

Aedhasdad

Tiddlywinks wrote: »

Speak to MacMillan anyway as they can help with communicating with the companies in the meantime.

Your mum needs peace and quiet... she doesn't need to overhear a debt collector on her doorstep.

Best wishes to you and your family.

Thanks,

Spoke to Macmillan today, ball is rolling.