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UK legal, insurance, employment, benefits, statutory services Advice offered by HDA Moderators relates to current UK law or guidelines

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Old 17-06-12, 09:46 PM   #1
waz1980
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Join Date: Oct 2009
Location: Crawley
Posts: 121
Default Mum's debt amongst other things

Hi

Mum showed me her store card statements today and she owes a lot of money and is barely paying off the interest each month. She has not used them since she stopped working 2 years ago. She is being stubborn and proud and wants to pay them off but she never will at this rate.
As she was let go from work due to HD, what rights do we have?? She has been paying them off each month but she doesn't have a lot of money anymore. I think one card may have PPI so I am going to ring them tomorrow and find out what I need to do. As for the other, it has no insurance but as mum is ill, I don't think she should have to pay.
I am going to sort out power of attorney this week so I can start dealing with this stuff. It horrible as she is only 49, poxy disease.
Does anyone have any advice on what to do in these situations?

Thank you

Wayne
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Old 17-06-12, 10:39 PM   #2
Trish
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Default Re: Mum's debt amongst other things

Quote:
Originally Posted by waz1980 View Post
Hi

Mum showed me her store card statements today and she owes a lot of money and is barely paying off the interest each month. She has not used them since she stopped working 2 years ago. She is being stubborn and proud and wants to pay them off but she never will at this rate.
As she was let go from work due to HD, what rights do we have?? She has been paying them off each month but she doesn't have a lot of money anymore. I think one card may have PPI so I am going to ring them tomorrow and find out what I need to do. As for the other, it has no insurance but as mum is ill, I don't think she should have to pay.
I am going to sort out power of attorney this week so I can start dealing with this stuff. It horrible as she is only 49, poxy disease.
Does anyone have any advice on what to do in these situations?

Thank you

Wayne
Hi Wayne,


I'm not an expert in this but you may find the first stumbling block is that people will not deal with you as you are not the name on the account.

I think the first thing it might be worth doing is going along to the Citizen's Advice Bureau (CAB) armed with info on HD and how it can affect the mental capacity of someone etc.

Might also be worth speaking to the HDA/your RCA to ask for advice as you may have an uphill struggle without others' input. That said... a lot often depends on who picks up the phone whan calling companies and you might get someone understanding but it's more likely not.

CAB
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Old 18-06-12, 08:42 PM   #3
waz1980
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Join Date: Oct 2009
Location: Crawley
Posts: 121
Default Re: Mum's debt amongst other things

Quote:
Originally Posted by Trish View Post
Hi Wayne,


I'm not an expert in this but you may find the first stumbling block is that people will not deal with you as you are not the name on the account.

I think the first thing it might be worth doing is going along to the Citizen's Advice Bureau (CAB) armed with info on HD and how it can affect the mental capacity of someone etc.

Might also be worth speaking to the HDA/your RCA to ask for advice as you may have an uphill struggle without others' input. That said... a lot often depends on who picks up the phone whan calling companies and you might get someone understanding but it's more likely not.

CAB
Thanks for the advice, I'm following it up now.
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Old 18-06-12, 10:36 PM   #4
Felinefriend
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Join Date: Nov 2009
Location: England
Posts: 70
Default Re: Mum's debt amongst other things

Wayne,,,,


As well as the CAB which is great if you want someone to talk it over with but why not try moneyadviceservice.org.uk or my favourite moneysavingexpert.com

They might give you some ideas.

Sandra






Quote:
Originally Posted by waz1980 View Post
Hi

Mum showed me her store card statements today and she owes a lot of money and is barely paying off the interest each month. She has not used them since she stopped working 2 years ago. She is being stubborn and proud and wants to pay them off but she never will at this rate.
As she was let go from work due to HD, what rights do we have?? She has been paying them off each month but she doesn't have a lot of money anymore. I think one card may have PPI so I am going to ring them tomorrow and find out what I need to do. As for the other, it has no insurance but as mum is ill, I don't think she should have to pay.
I am going to sort out power of attorney this week so I can start dealing with this stuff. It horrible as she is only 49, poxy disease.
Does anyone have any advice on what to do in these situations?

Thank you











Wayne
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