MBNA SOLD my dead dads credit card account.

Daddysgirl123

Hello if any one can offer any advice I would much appreciate it.

My father died recently and he had a credit card with MBNA. Upon his death we notified the company and sent in a copy of his death ceritficate.Within a couple of weeks MBNA replied confirming their records were updated and included a copy of the final statement.

A couple of months later MBNA shocked the family by sending a letter to say they had SOLD my dads account to Arrow Global. (They hadn't even waited to see if indeed any money was available to pay the account. Subsequently we started to get letters from Arrow Global on a weekly basis addressed to my dad and in brackets (deceased) with every tactic possible to get us to respond. Even asking for the death certifcate (which MBNA already have). Now their solicitors Dryden fairfax are sending letters which we are choosing to ignore.

I am the executer named on the will, my father wasn't in arrears with anyone he paid his account each month on time although not clearing the balance. What little money my dad had in his bank account has paid for his funeral and any over payments from the DWP. There are a couple of other credit cards with out standing balances and they waited to hear from us following reciept of the death cert but have now written off the account.

I can quite honestly say that I am delighted that there isn't anything left to pay these horrible insensitve companies but I need advice do I just ignore them or should I frankly reply advising that there isn't an estate.

I don't want to engage one bit with these people, I am shocked that MBNA did this and that the collection companies are writing letters knowing my dad isn't with us and in such a short time.

It amazes me how indeed this is legal. To send a letter to a person and in brackets confirm they are aware the person is dead.

Theres no living partner sons and daughters.

Any advice would be greatly appreacitated.

DevCoder

The company has a right to approach the executor of the estate to try and recover any monies from said estate.

As executor you need to act professionally as being an executor holds a very serious legal obligation.

You need to write back to Arrow informing them of the position of the estate.

sourcrates

Hi,


These people show little respect unfortunately.


Above advice is good, write to them, inform them there are no funds left from the estate, inform them that you have supplied the original creditor with a copy of the death certificate, and that, that should conclude there business with you.


If they still continue to chase this debt, complaining to the Financial Ombudsman may be your next step, I would assume a case such as yours would come within there remit.