what to do?

polpringle

on thursday my mum was diagnosed with a brain tumour which is a secondary tumour, we are waiting for another scan but so far are led to believe that its terminal.
My father has told me that she has a provident loan and until i go to visit on friday i don't know how much for. My dad is starting to struggle because mom is making impulse buys and taxis to and from the hospital are starting to mount up.
My question is what do i do about the provident loan? do i call them and explain the situation and say mum can't afford the full payments?I have no idea how the company works.

DCFC79

I can't see Provident speaking to you since the account isn't in your name, no harm in phoning them, I just don't like your chances of getting somewhere. Can you, another family member or a friend of hers not take her to the hospital.

Maybe sit down with your dad and see what he could cut back on money wise.

Good advice has been posted below.

C.M.

To be quite honest I would say don't worry about the loan right now.

Your mum is ill, you will all be stressed enough as it is - a provident loan isn't exactly a priority right now.

The loan is in your mum's name, and no one else is responsible for it.

If she does pass away (I'm sorry if this is too blunt) your dad will not be liable for the debt - if tour mum leaves an estate then the loan would have to be settled from that - after funeral expenses have been covered - if there is no money left to pay it then the debt remains unpaid, and is not enforceable.

polpringle

Thank you for your replies. I am gaining general power of attorney so i can deal with some things whilst mum is still lucid & you are right C.M the loan isn't a priority right now.

DCFC79

polpringle wrote: »

Thank you for your replies. I am gaining general power of attorney so i can deal with some things whilst mum is still lucid & you are right C.M the loan isn't a priority right now.

Ah so you have POA hence why you asked.

poppasmurf_bewdley

You need to ensure that your Mum gets some sort of disability allowance. This will ensure that she has the money for taxis, etc, which is what it is for - to enable her to get around.

Go onto the Benefits Forum and you will be given all the advice you need.

Clive_Woody

Sorry to hear about your mum, I think as others have said Provident are not a priority but if possible you might want to let them know what is happening so hopefully they will back off until something can be sorted out otherwise they will assume your mum has just stopped paying and may start making a nuisance of themselves.

I don't know if it would be helpful but you may want to give Macmillan nurses a call, they will be able to offer a lot of practical advice as well as support.
http://www.macmillan.org.uk/information-and-support

When_the_going_gets_tough

Hi op I am so sorry about your news. If you search on the Macmillan website under your location see if you can find a benefits advice service locally. They will have caseworkers who can assist your parents with benefit claims and may also be able to provide advice about the debts.