Am I responsible for this debt?

kiyamr2

I would like some advice please.

My Dad passed away 3 weeks ago.

I am Dad's only family and he didn't leave a will or an estate. His funeral was pre paid by him 3 months before he died.

6 months prior to him passing away he bought a reclining bed and a reclining chair from Willowbrook in his name from his bank account and he was paying monthly on finance to Ikano Bank.

I have informed Ikano that he has has died and there is no estate and now they are sending me a final settlement figure of about £5000 and want me to pay it off.

Am I responsible for paying this debt?

elsien

No. It would come from the estate and as there is no estate the debt can't be claimed from anyone else. They're trying it on.

newbie1980

kiyamr2 wrote: »

I would like some advice please.

My Dad passed away 3 weeks ago.

I am Dad's only family and he didn't leave a will or an estate. His funeral was pre paid by him 3 months before he died.

6 months prior to him passing away he bought a reclining bed and a reclining chair from Willowbrook in his name from his bank account and he was paying monthly on finance to Ikano Bank.

I have informed Ikano that he has has died and there is no estate and now they are sending me a final settlement figure of about £5000 and want me to pay it off.

Am I responsible for paying this debt?

as far as im aware you are not liable for the debt

they will try it on in the hope you pay but any debts after all money has been accounted for will not be you liability.

you will just need to prove this to them

kiyamr2

Thank you for prompt responses.

How do I prove there is no estate..His bank account has now been closed.
I could send his last bank statement?

kiyamr2

Is there a template I could send Ikano Bank?

boliston

are relatives of someone with no assets even obliged to communicate with a company they have no contract with? i can see that in a case where someone is an executor of an estate there are duties to creditors of the estate that go with the role but in this case it sounds like there is no estate

AnotherJoe

OP my commiserations.
As long as you dont take up duties as an executor you have no requirement to deal with this debt and certainly no responsibility for it nor any need to prove anything to anyone.
You say there was no estate but is that literally true? There was no money at all? The bank account was in overdraft or had nothing in it?
Where did your father live and where are the bed and chair?

kiyamr2

boliston wrote: »

are relatives of someone with no assets even obliged to communicate with a company they have no contract with? i can see that in a case where someone is an executor of an estate there are duties to creditors of the estate that go with the role but in this case it sounds like there is no estate

Good question.
Hope some one can answer that one too.

I just thought is was polite to inform everyone that he was paying monthly via Direct Debit that he had passed away, there is no estate and his bank account has been closed.

I can honestly see Ikano chasing me hard for this debt.

kiyamr2

AnotherJoe wrote: »

OP my commiserations.
As long as you dont take up duties as an executor you have no requirement to deal with this debt and certainly no responsibility for it nor any need to prove anything to anyone.
You say there was no estate but is that literally true? There was no money at all? The bank account was in overdraft or had nothing in it?
Where did your father live and where are the bed and chair?

I lived with my Dad in a rented council house, I've applied to take over the tenancy.
The bed and chair are up stairs.
The bank account has £500 in it, this is his private pension that was put in on the night he died..I'm expecting them to take this back at some point so I'm not touching it.

Flugelhorn

depends whether the pension was paid in arrears - in which case they shouldn't be after it.

Uxb

Presumably then they (bank/finance company) might want the items back?