debt from my late mum

juliesg

my mum died on the 17th sept owing money to a catalogue they have said they want there money from the estate. the thing is there is no estate they are sayin they are checkin probate but there was no probate. can they demand that we pay the money.i cant afford to as im just about to enter a DMP to sort my debts out let alone paying my mum debts.

Scarlett.1974

Hi juliesg,

Firstly, I'm ever so sorry to hear about your mum and I'm sure this sort of hassle is the last thing you need right now

I'm afraid I don't know the legalities in situations like this, but I'm sure someone else will know and will be along soon, you just sit tight for a little while.

Scarlett xx

Broken_hearted

Sorry about your mum
If there is no estate tell them to go jump.

hypno06

I would write to them with a copy of the death cert simply saying that there is no money in the estate, and that probate will not be obtained as a result. Get it signed by the executors if there are any, or simply next of kin if not.

They should accept this. I am sorry that you are being put under this additional stress at this already difficult time.

If you have no joy, contact CAB and ask them if they can help out.

GeorgeUK

Found the thread at last. Sorry to hear about your mum.

Hopefully this link should answer a few questions.
http://www.insolvencyhelpline.co.uk/debt_special_situations/debt-after-death.htm

ukbill69

Sorry about your mum, write them a letter and say there's no money, so take me to court. It wont go there as you money debts die with you.

bringmeshoes

i work for o2 and work for o2 and as part of the bereavement team who deal with calls from relatives of our account holders who have passed away. If there is no estate then we would never ask the family members to pay up (in some cases we do ask for a copy of the death certificate so that we can close down account and write off charge) . If there is nothing there then they cannot expect it to be paid.

Doodles

Hi juliesg
First off, sorry to hear about your mum. I thought I'd post here as I was in a similar position 2 years ago when my mum died. Like your situation, she had nothing to her name, and consequently there was no probate.

Be reassured that the debt was your mums and not "yours". They can't demand money from you, as the debt doesn't belong to you, and no estate exists to pay it from. End of!

Like another poster said, send them a copy of the death certificate, signed by next of kin. State there is simply no estate and no consequent probate arrangement, therefore there are no funds to repay them from and that they unfortuntaely will have to write-off the debt, and therefore you consider the matter closed. Be quite firm about it though in your letter. Don't let them think for one second that you might be prepared to waiver and pay them from your own money, don't even mention anything like that.

Best of luck,

juliesg

thank you all for ur replies they have had a copy of the cert so i just see wot happens now when they look into probate