1. Our next Q&A session is on the topic of Christmas and dementia.This time we want our Q&A to involve our resident experts, you! Share tips and advice on navigating Christmas here in this thread.

    Pop by and post your questions or if you prefer you can email your question to us at talkingpoint@alzheimers.org.uk and we'll be happy to ask them on your behalf.
  1. sharonb

    sharonb Registered User

    Dec 12, 2015
    2
    #1 sharonb, Dec 16, 2015
    Last edited: Dec 16, 2015
    Hi my dad suffers with dementia and has had ppl team contact him and got him to sign forms to go ahead with ppi. He does not read his mail and now had dept collectors demanding over £2500. I have been in contact with them and sent a medical certificate showing he has dementia, he wouldn't have known what he was signing and we are upset that he has this bill I really don't know what to do about it. I can't afford to pay it. Dad says pay them ten pounds a month , surely once proved he has this aweful disease they would be more considerate I just don't know what our options are I can't afford legal advice something should be done to prevent our loved ones having to go through this. Because they are not fully aware what they are doing.
     
  2. Izzy

    Izzy Volunteer Moderator

    Aug 31, 2003
    59,938
    Female
    Dundee
    Have you had a reply from the company? I think you need to make sure they understand that you are not responsible for your father's debts. You can't be expected to pay them. O you have Power of Attorney for your father? The company may not discuss this with you if you don't.

    Perhaps it might be helpful to talk this through with your local Citizens Advice Bureau.
     
  3. sharonb

    sharonb Registered User

    Dec 12, 2015
    2
    Dads ppi

    I've rang the actual ppi company and the manager is going to call me back. I'm looking into getting power of attorney but I'm unsure of how I go about it ,
     
  4. Izzy

    Izzy Volunteer Moderator

    Aug 31, 2003
    59,938
    Female
    Dundee
  5. nitram

    nitram Registered User

    Apr 6, 2011
    19,264
    Male
    North Manchester
    "I'm looking into getting power of attorney but I'm unsure of how I go about it"

    >>>THIS<<< shows you how to set about getting your dad to grant an LPA. The online application is easy with excellent guidance.

    Before you study this too much you have to decide whether or not your dad has sufficient capacity to fully understand what he is doing and all the implications of granting an LPA.

    If he lacks capacity the only route for full control is a court of protection deputeeship which is far more complicated. If it is only money from the DWP that is involved there is also a DWP appointee which is simple and free.
     
  6. little shettie

    little shettie Registered User

    Nov 10, 2009
    218
    Sharon, firstly please do not hand over a penny to these debt collectors! If it was a ppi claim, why does your dad have to pay anything? I had a similar thing with my dad and when he died they bombarded mum who has AZ with letters and calls. I wrote them an absolute stinking letter telling them in no uncertain terms they would not receive a penny and I would be putting it in the hands of my solicitor if they carried. They did not! Call their bluff. At the end of the day, if dad has dementia they do not have a leg to stand on. Secondly regarding Power of Attorney, you need to see a solicitor for that. Does dad still have capacity? If so then you should be able to get POA but the solicitor will need to speak to your dad to ensure he understand what POA means. Again we had similar issue with mum as we never got around to sorting out POA whilst dad was alive and so the solicitor said if she was happy mum still understand then we could go ahead with the poa. Thank goodness it was all ok and we were granted the POA which cost us £800. We got both financial and health and welfare and I would urge you to do the same as it has been a godsend! Just 2 months later, mum was deemed to no longer have capacity and so we were able to then implement the POA and take control on her behalf. Hope you get sorted. Stay in touch and let us know how you get on xx
     
  7. Kevinl

    Kevinl Registered User

    Aug 24, 2013
    4,776
    Salford
    Hi Sharon, welcome to TP
    Don't even think about paying the bill, it was agreed to by someone who lacks capacity.
    Many of these companies prey on the elderly so I'd ask them if they want the publicity taking the facts to BBC's Watchdog or one of the newspapers money writers.
    Whatever you do get it in writing, anything said on the phone can later be denied make them write or e-mail you'll be surprised how reluctant some companies are willing to do this it's easier to bully you on the phone.
    K
     
  8. Witzend

    Witzend Registered User

    Aug 29, 2007
    4,289
    SW London
    I don't understand either how this 'debt' came about. I know someone who made a successful PPI claim and as far as I know it should be a 'no win no fee' matter - if it's successful the company who makes the claim for you will take their cut before paying out to you.

    I hope it will not be the case, but please do not let anyone bully or intimidate you over the phone. I would point out very firmly that it must have been quite clear that your dad was not quite right, and that therefore it was quite unethical for them to persuade him into this.
     
  9. Beate

    Beate Registered User

    May 21, 2014
    11,745
    Female
    London
    It is not mandatory to consult a solicitor for POA. If you feel better doing so, that's your call, but you can fill in the forms easily enough yourself, and the certificate provider can be an old friend or neighbour. We completed both POAs for the grand total of £110, as OH was eligible for fee reduction.
     
  10. canary

    canary Registered User

    Feb 25, 2014
    10,783
    Female
    South coast
    I think you might have to be careful about the POA.
    If you are claiming that he has the capacity to sign a POA form, then it could be argued that he had the capacity to sign the PPI forms.......
     
  11. Flake

    Flake Registered User

    Mar 9, 2015
    222
    I dont understand how a debt can arise when a company are looking into any possible PPI insurance. As Witzend has already said these companies work on a no win no fee basis. You can get advice from your local Citizen Advice Bureau. Write to them and ask for a copy of the original paperwork signed by your Dad and also ask how the amount of £2500 has come about, and state that you are currently taking legal advice. Under no circumstances may them anything. Dont be bullied. These companies are nasty and unscrupulous and something should be done to stop them and the distress they cause.

    As for Power of Attorney you can do this yourself as long as your Dad has capacity to understand what he is signing. What Canary has said is right though and it could be seen that if capacity is there to sign a POA then it could be said that capacity is there to sign PPI paperwork. Just make sure everything you state is accurate as mistakes cannot be changed once the form is submitted. Good luck with this and lt us know how things go. xxx
     
  12. Kevinl

    Kevinl Registered User

    Aug 24, 2013
    4,776
    Salford
    Many PPI recovery firms do work on a no win no fee but not all, there a quite a few that do have a fee if the claim is unsuccessful or if it successful but their cut is under a minimum amount.
    This company obviously do feel they have a claim against Sharon's dad so there must be a reason, who knows what it says in the small print of the less than scrupulous contract.
    K
     
  13. Kitten71

    Kitten71 Registered User

    Jul 22, 2013
    157
    East Yorkshire
    Have you done a Google search of the PPI company? If they are an unscrupulous company, there may be others who have fallen victim to 'owing' money and you may find advice of what to do next from them. Please don't pay anything, it's not your debt and very likely, it's not your fathers either. You may be entitled to half an hour of free time with a solicitor through your local council too, if you explain its on behalf of an elderly person (I'm assuming your dad is elderly here, so I'm sorry if he isn't). They would be able to look over the documents your dad signed and tell you if they are legally binding. Often these things aren't and as far as I'm aware, the PPI company wouldn't be able to appoint debt collectors or bailiffs because they have to prove there is a debt to be recovered and the only debts that can be collected in this way are things like unpaid council tax, fines etc. the internet is your friend here. By the way, did your dad ever take out any PPI in the first place? That might be a good place to start. Best of luck and please don't worry about it too much. A letter threatening legal action got some similar toe rags off my dad's back, so that might work too :)
     

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