deceased`s debt help

System

This discussion was created from comments split from: 12 year council tax arrears after a death.

77even

My father passed away 5 weeks ago leaving my mother 76 years old. Most banks and credit card Co's have been helpful with bereavement depts getting deaths Certs etc... Marks & Spencers are by far the worst, the most disgusting, bear in mind that my fathers credit card acct with M&S was in his name alone NOT joint are anything to do with my mother, yet, M&S are demanding my mother is liable AND she is to complete an assets and liability form, if she does not complete the assets & liabilities form ( of herself) they threaten to send for debt collectors. My mother is besides herself with worry..... 

bradders1983

Tell her to complete nothing they send her, she is not liable in any way, shape or form.

sourcrates

Moved to new thread.

RAS

Who are the executor's of his estate?

Is it solvent ( more assets than debts)? If so the estate pays any outstanding debts before disbursal, assuming England and Wales.

sharpe106

bradders1983 said:

Tell her to complete nothing they send her, she is not liable in any way, shape or form.

But the estate probably is.

sourcrates

This is an unsecured debt, and if in your fathers name only, was his sole liability.
However if he left an estate, any assets from that estate should be used to pay any remaining debts, once the value of his estate has been realised, any other debts that cannot be paid, should be written off, and no one else will be liable for them.
I think there have been crossed wires here, you should never speak to call handlers about such matters, do everything in writing only, M&S will know perfectly well how this goes down, tell her not to sign anything, debt collectors are nothing to be worried about, they can be stopped with one letter.

This is nothing to be worried about.