I have asked them as a member of joe Public to send me a copy of their vulnerable adult policy and they won't because it has confidential information in it apparently.
What can we do? I'd like to get back to our starting position and just pay the debt off myself having got the management fees back. He should have been pointed firmly in the direction of CAB or Stepchange etc instead of being preyed upon as a CLEARLY vulnerable adult. Shocking this has only just come to light.
If an IVA the fees would be roughly the same wherever he went, including Stepchange. If a DMP then, yes, Stepchange do not charge fees for DMP's but get assistance from the creditors themselves.
If an IVA a "full and final payment" will be the number of months left to run multiplied by the monthly payment. "Settlement" is a different animal ( full debt, plus fees and possible statutory interest). More expensive for you and varies daily.
A complaint can be made to the Insolvency Service and, possibly, escalated to the firm's regulators. Have a read here: https://www.gov.uk/guidance/make-a-comp ... cy-service
That means you either have Lasting Power of Attorney (financial) or if you have a joint solicitor ask them to write directly to the named Insolvency Practitioner stating 1) why information is needed and 2) what issues your ex may be faced with and why support is needed.
You are being given the runaround - the whole point of a vulnerable adult policy is to ensure that confidentiality does not act as a barrier.
Finally, we may disclose information about former customers to third parties and companies with which we are affiliated, as well as unaffiliated third parties. Those disclosures may consist of the following:
Financial background information describing a customer’s financial status;
Identification information, such as name and address data;
Transaction information, such as account activity, debit activity or credit activity; and
Other information relating to financial matters.
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