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My Son passed away a week ago after a 4 month illness, it seems as his next of kin I have the job of sorting out everything.
In brief, he left nothing but about £200, debts of about £1500 and the meagre furnishings etc in his small, local authority flat.
His debts were almost £2000 but one debt company wrote of their amounts about 2 months ago and whilst I will not name them and do despise these agencies this one has been helpful and sympathetic to the situation, they did try at first to sneak in a statute barred debt but upon telling them this they withdrew the amount immediately.
One debt, almost two thirds of the amount, is for his water supply. One other has sent me the statement etc for the debt and it seems he that he purchased by a mail order account goods to the value of about £40, he had paid them over a period over £60, they still want almost £230 for late payment, admin and account charges etc. Right or wrong I have told them to go multiply!!! I have said their client has not incurred a financial loss as the goods they supplied have been paid for.
At this point I must say that my son was bi polar (diagnosed 3 years ago), not in work for many years due to the addiction (drink)! and after diagnosis they said he had probably been ill since about the age of 14, he was 33 when eventually diagnosed and 36 when he died of a failed liver and heart. He never married and has no children etc.
i am now left to sort this out and find the money for his funeral as neither his mother, sister or I are receiving any benefits, by the time we/I are finished I would estimate we will have to find £3 to £4,000 to cover the funeral and house clearance cost etc. so to find the money to pay off these debts on top of this is going to take me into my 70's.
There is no way we can do this, I have told all debtors, except the water board, that his credit rating has been poor to non existent for more than 10 years and they have been irresponsible in extending credit to him without checking and therefore it's their fault for giving a sick man with a zero credit rating credit.
so now to my questions:- As his next of kin can I just deal with everything that needs to be dealt with as far as his "assets" (£215 + a few bits of furniture) and notification of those who need to know of his passing and then just wrap up the situation and move on. Using a separate bank account as proof of the finances?
Do or can, those he owed money to have first claim on his estate or do they "just join the queue" and am I obliged as his father or next of kin to pay his debts?
In brief, he left nothing but about £200, debts of about £1500 and the meagre furnishings etc in his small, local authority flat.
His debts were almost £2000 but one debt company wrote of their amounts about 2 months ago and whilst I will not name them and do despise these agencies this one has been helpful and sympathetic to the situation, they did try at first to sneak in a statute barred debt but upon telling them this they withdrew the amount immediately.
One debt, almost two thirds of the amount, is for his water supply. One other has sent me the statement etc for the debt and it seems he that he purchased by a mail order account goods to the value of about £40, he had paid them over a period over £60, they still want almost £230 for late payment, admin and account charges etc. Right or wrong I have told them to go multiply!!! I have said their client has not incurred a financial loss as the goods they supplied have been paid for.
At this point I must say that my son was bi polar (diagnosed 3 years ago), not in work for many years due to the addiction (drink)! and after diagnosis they said he had probably been ill since about the age of 14, he was 33 when eventually diagnosed and 36 when he died of a failed liver and heart. He never married and has no children etc.
i am now left to sort this out and find the money for his funeral as neither his mother, sister or I are receiving any benefits, by the time we/I are finished I would estimate we will have to find £3 to £4,000 to cover the funeral and house clearance cost etc. so to find the money to pay off these debts on top of this is going to take me into my 70's.
There is no way we can do this, I have told all debtors, except the water board, that his credit rating has been poor to non existent for more than 10 years and they have been irresponsible in extending credit to him without checking and therefore it's their fault for giving a sick man with a zero credit rating credit.
so now to my questions:- As his next of kin can I just deal with everything that needs to be dealt with as far as his "assets" (£215 + a few bits of furniture) and notification of those who need to know of his passing and then just wrap up the situation and move on. Using a separate bank account as proof of the finances?
Do or can, those he owed money to have first claim on his estate or do they "just join the queue" and am I obliged as his father or next of kin to pay his debts?
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