Creditors

rjb2011

Hi,
Apologies if I have posted this in the wrong section – I’m sure some kind admin will move it if it is.

My wife died back in Aug last year, she had a debt repayment plan set up with payplan who I informed but wouldn’t tell me who or what the amounts involved were because of the usual data protection nonsense! They did however tell me that they would let her creditors know.



About three months later I had some letters from creditors and paid the outstanding amounts from her estate. Recently I have had a very aggressive letter (dated 19th Feb but only received Thursday last week!) that basically said I had been ignoring their correspondence (even though there hasn’t been any) and here is what my wife owes to XXXX finance, pay immediately or else. There is enough left in the estate to clear this amount, that’s not the issue, but I would like to know what it is I am paying for ie storecards/loans/something else, all I have is the name of the finance company (which means nothing to me) and an amount owing – I’m sure it isn’t, but for all I know this could be scam!

It’s one of the same management companies I dealt with a the three month stage and they were very polite then, but the post-dated letter and my alleged ignoring of 'previous correspondence' has really gotten my back up, so I would like to know what I’m actually paying for – my question is, am I entitled to ask and be given that information or will they be able to hide behind data protection



Rob.

Yorkshireman99

rjb2011 wrote: »

Hi,
Apologies if I have posted this in the wrong section – I’m sure some kind admin will move it if it is.

My wife died back in Aug last year, she had a debt repayment plan set up with payplan who I informed but wouldn’t tell me who or what the amounts involved were because of the usual data protection nonsense! They did however tell me that they would let her creditors know.



About three months later I had some letters from creditors and paid the outstanding amounts from her estate. Recently I have had a very aggressive letter (dated 19th Feb but only received Thursday last week!) that basically said I had been ignoring their correspondence (even though there hasn’t been any) and here is what my wife owes to XXXX finance, pay immediately or else. There is enough left in the estate to clear this amount, that’s not the issue, but I would like to know what it is I am paying for ie storecards/loans/something else, all I have is the name of the finance company (which means nothing to me) and an amount owing – I’m sure it isn’t, but for all I know this could be scam!

It’s one of the same management companies I dealt with a the three month stage and they were very polite then, but the post-dated letter and my alleged ignoring of 'previous correspondence' has really gotten my back up, so I would like to know what I’m actually paying for – my question is, am I entitled to ask and be given that information or will they be able to hide behind data protection



Rob.

Are you the executor? If so then of course you are entitled to know. If so did you publish the statutory notice in the gazette?

TonyMMM

Data Protection rules only relate to living individuals so does not apply to an executor/admisnistrator managing a deceased's estate.

rjb2011

Unfortunately my wife died intestate.

If payplan had been helpful in the first instance and just let me know who and what she owed I could have contacted them directly to sort this out.

Thanks for the clarification on Data Protection, it has to be one of the most misused pieces of legislation ever brought in.

Yorkshireman99

rjb2011 wrote: »

Unfortunately my wife died intestate.

If payplan had been helpful in the first instance and just let me know who and what she owed I could have contacted them directly to sort this out.

Thanks for the clarification on Data Protection, it has to be one of the most misused pieces of legislation ever brought in.

So have you applied for letters of administration? If you have then you are entitled to know. In any case the creditor is going to have to prove the debt before they can be paid. Don.t let them bully you.