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Following my father's death, I uncovered evidence of a whole heap of credit card debt (not to mention the equity release mortgage etc, etc), - half a dozen accounts totalling >30k, which had been passed on to Cabot/IDEM etc. These were all then passed to Philips and Cohen and I have been dealing with them as executor to the estate.
I contacted National Debt helpline who advised that the executor (me) would step into the shoes of the deceased and be able to follow the CCA request route to get more information. Mainly I wanted to check these companies had the right to any money from the estate and to get some understanding of how my dad got into this situation in the first place.
I’ve since had one account closed due to the information being too old to find, and gradually over the following year the remainder returned various bits and pieces at most but nothing I'd class as making it 'enforceable', as I've read it (variously generic t's and c's for one, no form of agreement document- mainly piles of statement lists from his DMP (Stepchange) or the original accounts).
Not sure what to do next - If these were my debts I would sit on it until they produced the required info for the CCA (assuming I'm right on these) or these timed-out. 18 months have now passed since the request and P&C have not stated these are unenforceable and I’m not sure if I have grounds to ignore their requests for payment. I really want to sort the estate accounts now and move on with things finally - any guidance would be much appreciated!
I contacted National Debt helpline who advised that the executor (me) would step into the shoes of the deceased and be able to follow the CCA request route to get more information. Mainly I wanted to check these companies had the right to any money from the estate and to get some understanding of how my dad got into this situation in the first place.
I’ve since had one account closed due to the information being too old to find, and gradually over the following year the remainder returned various bits and pieces at most but nothing I'd class as making it 'enforceable', as I've read it (variously generic t's and c's for one, no form of agreement document- mainly piles of statement lists from his DMP (Stepchange) or the original accounts).
Not sure what to do next - If these were my debts I would sit on it until they produced the required info for the CCA (assuming I'm right on these) or these timed-out. 18 months have now passed since the request and P&C have not stated these are unenforceable and I’m not sure if I have grounds to ignore their requests for payment. I really want to sort the estate accounts now and move on with things finally - any guidance would be much appreciated!
