Blair, Oliver & Scott....(HBOS)

BatemansBay · 6 October 2009 at 2:10PM

My mum, who has held a Halifax Visa Card for a number of years, recently passed away leaving an outstanding balance on her credit card in the region of £15,000. The account was passed to Blair, Oliver, & Scott for recovery, which was enforced over 12 months ago. My mum was paying these people a minimum amount of £40.00 per month with an additional 'cash' payment of £500.00 every 6 months after they reviewed the case, Now that mum has passed away, could any one advise me on what I should do now before I complete the probate forms as I can see that any monies left in my mums estate will not even be enough to pay them 'off' let alone the verbal bequest my mum left to her 2 grandchildren. My mum had no assets apart from 2 life assurance policies & approx' £3,000 in her bank account (not Halifax or BOS)
Please Help!!!

exel1966 · 6 October 2009 at 3:04PM

If there's not enough money within the estate to clear the debt and it is a sole debt, then the outstanding amount will be written off.

PNPSUKNET · 6 October 2009 at 6:45PM

you will need to put the debts into the estate, Im afraid the grandchildren will be at the bottom of the pecking order.

alliballi · 6 October 2009 at 10:48PM

Firstly sorry for your loss, if your mums estate does not have enough money in it to pay this debt it should be written off as the debt was your mums it cannot pass on to you, this happened to me when my dad died he had a frasers store card and I didnt have enough in his estate to pay it off, so I called the company and it was written off. Contact them as soon as possible if you have not already done so and let them know the situation, best of luck and hope this made sense to you.