So i have a question

NotRichAtAll

https://forums.moneysavingexpert.com/discussion/comment/82043154#Comment_82043154

i got no inheritance, it was for her 3 son's, i closed everything dished it out my job done, then up pops argos.

50p a week then i guess

Savvy_Sue

https://forums.moneysavingexpert.com/discussion/comment/82044118#Comment_82044118

You are missing the strict legalities. Your wife may have said "I want this money to go to the boys" but unless she specified that in a will, then under the laws of intestacy (dying without a will), everything came to you.

But P&C should be able to tell you what the debt is for. If it IS a care plan, that's easily dealt with. If it's for a purchase, what was it for, and when was it taken out?

sheramber

You can ask the sons to pay 1/3 each of the debt, as it should have been paid out of the money before handing it out.

Jemma01

Did she leave anything of value that you can sell? That's stressful 😞

user1977

https://forums.moneysavingexpert.com/discussion/comment/82044283#Comment_82044283

Sounds like there's still a thing from Argos to be found…

Silvertabby

My sympathies. This stress is the last thing you need, but it can't just be ignored, unfortunately.

The amount outstanding and the amount of the monthly payments indicates a purchase rather than a warranty contract. Wild guess, but have you had a new TV in the last year or so? Or new white goods?

If that doesn't ring any bells, can you access her Argos account?

Keep_pedalling

https://forums.moneysavingexpert.com/discussion/comment/82044247#Comment_82044247

Once you know exactly what the situation you need to tell them that you made an error and ask them to return a small part of what you gifted them. Hopefully they will be understanding and would not want you to be in debt for carrying out their mother’s wishes.

Marcon

You are missing the strict legalities.

Before anyone gets too critical of OP, please read this and realise just how shattered they must be feeling:

https://forums.moneysavingexpert.com/discussion/6666958/dealing-with-death

Cubicsrube

So very sorry for your loss and the terrible shock of it, OP.

I want to believe that if you can speak to a human at the financing company and explain that you lost your wife within 4 days of a terminal diagnosis - so no time for her to put her affairs in order or tell you about any debts/commitments - they will be understanding and work with you on a solution. It doesn't change the possibility that money may be legally owed, but might get them to deal with you with the compassion and patience you deserve.

Claude_and_Eustace

I do hope it all works out for you. My only input is to reassure you with Philips and Cohen. They were so sympathetic and professional dealing with me after my estranged husband passed. He died intestate and for months I thought insolvent, but had some American shares that eventually covered his debts. It took over a year and a half to sort (I think?) and they never pressured me. They also acted on my behalf to cancel a utility bill with a company who tried to bill the estate after his death and refused to cancel it for me over many months of complaints. They were such a solace amongst a lot of anxiety, so please see their appointment as a good thing and be completely honest with them.

This is not to say that they can cancel a debt that is valid, but they will be best placed to help you through it.