Help and advise needed after a Death

mattbrad

Hello all,

Sorry if this is posted in the wrong place ! please feel free to move.

My Wife was killed in a car accident a few weeks ago, i have been trying to sort out all the paper work and bills etc since her death, i have no credit cards etc they were all in her name, although i have the main income for the house, i dont have a very good credit history so it was all dont in just her name. i have call all of the card company's to inform them of the death and im in the process of sending copys of the death certificate etc to them all at the moment. i have to say that 90% of them have been very nice with the only one thats not being Barcley card, they have been calling and leaving messages for me every day, i have not been getting in till late and there office is always closed when i call back. but my question is this, What can the company's do, can they turn around to me and demand payment out right of the debt ? there is about 6k in total but i just dont have that kind of cash !! can they send the bailiffs round ? there was no insurance on the cards etc

thanks in advance for your help, its been a bit of a cruddy month so far and i can only see it getting worse at the moment with all the card company's !

thanks

Matt

hypno06

Hi there, and sorry to read about your loss.

The key will be whether your wife had any assets. If she did, then these will need to be used to pay the credit cards.

If the "estate" consists of no assets, then there is nothing to pay the debts with, and the debts will have to be written off.

The debt cannot transfer to you. If there are no assets in the estate to pay the bills with, you need to write to them stating this, and requesting that they stop hassling you at what is already a difficult time.

Martin has, I think on the relationships board, done a thread on what to do after a death - would probably be worth having a look at that.

Good luck.

count_rostov

I'm afraid I don't have any advice to give you, but just wanted to say how sorry I am for your loss. Please keep looking after yourself - working late every night will only wear you down more.
Someone with much more knowledge than me will be able to advise you re the debts, I'm sure.

hypno06

http://forums.moneysavingexpert.com/showthread.html?t=344578

this should be the link to Martin's thread that I mentioned above.....

SuzySu

I just wanted to send my sympathies to you at what must be an awful time for you. I can't imagine what you are going through but please look after yourself and keep posting on here. You will get an enormous amount of support from some very knowledgeable and kind people.

epsilondraconis

So sorry to hear about your loss.

Perhaps you could consider approaching the CAB on this one.

beanielou

hypno has given you great advice.
Sorry to hear about your wife.
Take care.

mancbird

Sorry I don't have any advice for you but I wanted to tell you how sorry I am for your loss. Take care of yourself and try not to worry

Elliesmum

Again, I don't have any advice for you but wanted to say how sorry I am for your loss.

Please take care and when you feel up to it, keep us posted.

EM xx

smashedbooboo

So sorry honey, hypno i think has guided you in the right direction for the thread you need. I cant offer any constructive advise. I will say though that no matter what please keep posting. there will always be someone here to give you support and help where you need it, Even if its just an ear you need, If you feel you cant post on open forum then please feel free to private message one of us. If you need to talk then just shout. There will always be someone here. Take care honey.

mattbrad

Thanks for all the messages of support, im goign to go to my local CAB today with the letter and the bills etc, i will post an update when i get back to my computer in a bit

thanks again

Matt