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    • network
    • By network 23rd May 11, 1:57 PM
    • 40Posts
    • 6Thanks
    Ryman and partners limited
    • #1
    • 23rd May 11, 1:57 PM
    Ryman and partners limited 23rd May 11 at 1:57 PM
    Dear all

    Has anyone had any dealing with this company. An elderly relative of mine has been contacted saying that they can safe guard their home from the council should they need to go into a care home.

    i think they are based in halifax??
    many thanks
Page 1
    • SeniorSam
    • By SeniorSam 23rd May 11, 2:00 PM
    • 1,107 Posts
    • 550 Thanks
    • #2
    • 23rd May 11, 2:00 PM
    • #2
    • 23rd May 11, 2:00 PM
    If someone is likely to need to go into care, then there is nothing that can be done to shelter the property from the liability. Even if you gave it away to your family just before care was needed, they would be called on for care costs. You cannot deprive yourself of assets to avoid care costs.

    They may be trying to get your interest in equity release and sheltering capital in Trust, but it would best be avoided. Be safe and always seek the advice of a qualified IFA or solicitor before taking any action.

    • dunstonh
    • By dunstonh 23rd May 11, 2:44 PM
    • 92,183 Posts
    • 59,346 Thanks
    • #3
    • 23rd May 11, 2:44 PM
    • #3
    • 23rd May 11, 2:44 PM
    General rule of thumb is that you should never transact with cold callers.

    If it is an area that sounds plausible then use a local firm to investigate it. Don't use the cold caller. Most scams come from cold calling.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • SarahJaneH
    • #4
    • 28th May 11, 8:58 PM
    • #4
    • 28th May 11, 8:58 PM
    Don't deal with company. My parents were cold called on the phone so I did some digging on the internet, no reference to the company on a google search - everyone is on the internet these days, who want to be found!!
    • Loughton Monkey
    • By Loughton Monkey 29th May 11, 12:17 AM
    • 8,706 Posts
    • 12,428 Thanks
    Loughton Monkey
    • #5
    • 29th May 11, 12:17 AM
    • #5
    • 29th May 11, 12:17 AM
    A cold call should be automatically consigned to the 'scam' category. When it involves some supposed 'secret' or 'system' of a financial nature, then the phone should be slammed down even harder.
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