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I need some advice please. My husband had an unauthorised overdraft and was then made redundant a few years back. The bank then piled on over £300 interest despite him proving he was experiencing hardship. He refused to pay it and eventually a debt collection company took him to court. The court agreed that he should pay the £300 which he had said all along he was willing to do to both the bank and the debt collection company. However they also added court costs but as our son was terminally ill we did not have any fight left to argue with them.
After that we got a letter from the debt collection company (he was paying as instructed) saying the debt had been paid and sent him a cheque. This was about the time our son passed away.
Today (very close to the year anniversary of our sons death) we have got a letter from a firm of solicitors saying they made a mistake and he now has to pay it plus the cheque they sent.
The initial owed was an agreed overdraught of £300 but he could not pay the £15 or whatever it was a month that the account needed for the overdraught to be free, we wrote saying we had difficulties and that paying it would cause hardship but they did not accept it.
The court ordered him to pay the initial £300 back and the rest was court costs even though he had said all along he agreed to pay the £300 and agreed he owed it the interest on top came to over £600 so he wouldn't pay that. He started paying in £10 instalments.
On 13th May 2015 he got a letter saying they can confirm the account is now closed and enclosed a cheque for £175.34 Noting that he was still making payments to the account that they would refund and he should cancel the payments. On 18th May 2015 he got another letter with a cheque for £10 'as an overpayment had been made on the account' On closer inspection of the letter, although addressed to my husband there is another name under the reference 'Mr Shuttle' (no idea who this is) We were thinking that an anonymous benefactor had paid it for us given the immense stress we were under and that we, and still do, raise a lot of money for a cancer charity
At this time our son s chemo was not working, he was becoming more disabled and about a month later we were told he had 3 to 6 months to live so we were not in a position to look into why this had happened we were just glad to have one less worry and spent the money on our last family holiday
The letter received yesterday, from Cabot solicitors Reston who got the CCJ, and says they have been instructed to recover £470. which is owed under the CCJ plus £175.34 refunded in error. It says he owes £645.34 and they want it by the 9th of November :/
Hope you can help advise x x x
We have got enough stress to deal with and don't need this, can anyone advise the best way forward.
Many Thanks in advance x x x
After that we got a letter from the debt collection company (he was paying as instructed) saying the debt had been paid and sent him a cheque. This was about the time our son passed away.
Today (very close to the year anniversary of our sons death) we have got a letter from a firm of solicitors saying they made a mistake and he now has to pay it plus the cheque they sent.
The initial owed was an agreed overdraught of £300 but he could not pay the £15 or whatever it was a month that the account needed for the overdraught to be free, we wrote saying we had difficulties and that paying it would cause hardship but they did not accept it.
The court ordered him to pay the initial £300 back and the rest was court costs even though he had said all along he agreed to pay the £300 and agreed he owed it the interest on top came to over £600 so he wouldn't pay that. He started paying in £10 instalments.
On 13th May 2015 he got a letter saying they can confirm the account is now closed and enclosed a cheque for £175.34 Noting that he was still making payments to the account that they would refund and he should cancel the payments. On 18th May 2015 he got another letter with a cheque for £10 'as an overpayment had been made on the account' On closer inspection of the letter, although addressed to my husband there is another name under the reference 'Mr Shuttle' (no idea who this is) We were thinking that an anonymous benefactor had paid it for us given the immense stress we were under and that we, and still do, raise a lot of money for a cancer charity
At this time our son s chemo was not working, he was becoming more disabled and about a month later we were told he had 3 to 6 months to live so we were not in a position to look into why this had happened we were just glad to have one less worry and spent the money on our last family holiday
The letter received yesterday, from Cabot solicitors Reston who got the CCJ, and says they have been instructed to recover £470. which is owed under the CCJ plus £175.34 refunded in error. It says he owes £645.34 and they want it by the 9th of November :/
Hope you can help advise x x x
We have got enough stress to deal with and don't need this, can anyone advise the best way forward.
Many Thanks in advance x x x
Thank you all for your advice x x x
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