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Creditor passed debt to DCA after date of death
Hi all,
Excellent site, the work you have all done to help is fantastic. Unfortunately, I am now in a position where I could do with some assistance.
My father passed away in November 2011, he had debt with MBNA, who passed this to Allied International Credit. My father had arranged a repayment plan with them but passed away before it could actually be setup. I contact AIC and advised of the death and sent them a copy of the cert on 19 December 2011.
They passed the debt back to MBNA who wrote to me on 16 January 2012 with the usual mince about sorry to hear..... and the advised the account had been frozen and no action would be taken and they made a claim on the estate for the outstanding debt.
I wrote to MBNA on 16 March 2012 to advise I had just been appointed executor and that there was no money in the estate to pay this debt. They replied on 19 April 2012 simply saying 'the account was legally assigned receivables to Arrow on 14 January 2012'.
I have written to MBNA to make a formal complaint as the account should have been frozen and they ignored the contents of my previous letter.
I received a letter on 14 May 2012 from Wescot Credit Services trying to trace the address for my father. I phoned them and advised them of the situation, they immediately apologised and confirmed the account had been passed to them by MBNA.
I received a letter from MBNA today, again simply stating 'the account was legally assigned receivables to Arrow on 14 January 2012'.
Can anyone out there please help me with how to deal with MBNA. Simply there is no money in the estate to pay this debt so they are getting nowt, but I need assistance with getting this matter put to rest.
Thanks in advance
Excellent site, the work you have all done to help is fantastic. Unfortunately, I am now in a position where I could do with some assistance.
My father passed away in November 2011, he had debt with MBNA, who passed this to Allied International Credit. My father had arranged a repayment plan with them but passed away before it could actually be setup. I contact AIC and advised of the death and sent them a copy of the cert on 19 December 2011.
They passed the debt back to MBNA who wrote to me on 16 January 2012 with the usual mince about sorry to hear..... and the advised the account had been frozen and no action would be taken and they made a claim on the estate for the outstanding debt.
I wrote to MBNA on 16 March 2012 to advise I had just been appointed executor and that there was no money in the estate to pay this debt. They replied on 19 April 2012 simply saying 'the account was legally assigned receivables to Arrow on 14 January 2012'.
I have written to MBNA to make a formal complaint as the account should have been frozen and they ignored the contents of my previous letter.
I received a letter on 14 May 2012 from Wescot Credit Services trying to trace the address for my father. I phoned them and advised them of the situation, they immediately apologised and confirmed the account had been passed to them by MBNA.
I received a letter from MBNA today, again simply stating 'the account was legally assigned receivables to Arrow on 14 January 2012'.
Can anyone out there please help me with how to deal with MBNA. Simply there is no money in the estate to pay this debt so they are getting nowt, but I need assistance with getting this matter put to rest.
Thanks in advance
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