Death, Debts and CCJ's

tiggerbodhi

Hi,
Ex wife died last week, in reality no real estate as living in rented, no goods worthy of sale or cash in the bank etc, Our Daughter is the next of Kin and helping deal with it all, we are aware that all the unsecured debt will need to be written off by the creditors and will be writing to them to let them know the situation.


We have run a noddle credit report on her and there are defaults going back some two or three years that she must have basically been ignoring as they did not have a forwarding address along with 2 CCJ's.


How should we deal with the defaults and the CCJ's that they have not been chasing (assume this as there are no letters in the mess of paperwork at her house ) do we write to them with a "the estate is insolvent, thank you and goodnight" type letter or is it the norm to publish a notice in the London Gazette asking for creditors to come forward?


I fit is the London Gazette route would someone be kind enough to give the form of words that need to be used.


Thank you!

RAS

If the estate is insolvent, then no-one shoul;d be doing anything. The usual advice is that no-one intermeddles at all.

Hopefully the daughter has not yet got to that point.

This thread might be useful reading https://forums.moneysavingexpert.com/discussion/4362713

tiggerbodhi

Thanks RAS for the reply, have read through the thread and is informative in a lot of areas, I just don't want my daughter being hassled by DCA's, we will contact the utilities and others we have contact details for with a "Just to let you know she has died, the estate appears insolvent, goodbye" they then can then make there own judgement if they want to administer the estate.


No one debt is very big, (largest is £15K from a house repo nearly three years ago) all the rest are less than £1.5K most around the £300 mark so assume no creditor is going to want to try to administer or apply for probate for in reality if all her personal possessions were sold would raise £1000 on a good day and the funeral expenses come first which are three times that.


We just returned the keys to her house to the letting agent recorded delivery (suspect the deposit will be lost due to the state of the place and having to clear it of the contents) and returned the keys to her car to the leasing company recorded delivery to pick up (they were phoned beforehand to arrange pick up)


Only others so far contacted are the utilities and mobile phone etc, the advice seems to be if they want a Death Certificate they can apply for their own!


Without a Death Certificate can we contact her bank and stop SO's and DD's going out?


Thanks

dzug1

You can well get hassled whether you tell the DCAs or not - it could well be they don't believe you or don't accept that the estate is insolvent.


London Gazette - don't think it helps really if there is no money of any sort. The wording is standard and will be dictated by the London Gazette themselves

Without a Death Certificate can we contact her bank and stop SO's and DD's going out?

you can try but the banks should refuse to discuss anything with you

g6jns_2

tiggerbodhi wrote: »

Thanks RAS for the reply, have read through the thread and is informative in a lot of areas, I just don't want my daughter being hassled by DCA's, we will contact the utilities and others we have contact details for with a "Just to let you know she has died, the estate appears insolvent, goodbye" they then can then make there own judgement if they want to administer the estate.


No one debt is very big, (largest is £15K from a house repo nearly three years ago) all the rest are less than £1.5K most around the £300 mark so assume no creditor is going to want to try to administer or apply for probate for in reality if all her personal possessions were sold would raise £1000 on a good day and the funeral expenses come first which are three times that.


We just returned the keys to her house to the letting agent recorded delivery (suspect the deposit will be lost due to the state of the place and having to clear it of the contents) and returned the keys to her car to the leasing company recorded delivery to pick up (they were phoned beforehand to arrange pick up)


Only others so far contacted are the utilities and mobile phone etc, the advice seems to be if they want a Death Certificate they can apply for their own!


Without a Death Certificate can we contact her bank and stop SO's and DD's going out?


Thanks

You should tell the bank and give them sight of the death certificate. That will free the account.