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AIBU?

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Are we now responsible for FILs debts now he's passed away?

303 replies

DebtAfterDeath · 26/07/2023 22:20

Really sorry, posted in legal but also here as i know traffic is heavier and i am desperate for advice.
FIL recently passed away ( 5 weeks ago).
Today my husband has found a letter from Ovo stating he owes £3600.
We also believe he had other debs and CCJs but we have no idea on the amounts.
My SIL used the Tell us Once service but Citizens Advise told me today they don't notify people he owes money to and that's our responsibility.
His only estate is the £6000 in his bank when he died (which the bank have already sent to SIL and she has split in half with my husband) and a potential £10k life insurance claim. He privately rented and had nothing else, no valuables and so on.
We are really worried that we may get chased up for money and Citizen's Advise have recommend we register his death in The Gazette. It's going to cost £100 to do it (fine). But nobody I'm talking to seems to have heard of this and are saying pretty much just leave it, he didn't own a lot anyway and this is more for people with large estates.
We want to do the right thing I'm just not sure what that is?
Also there is an option on The Gazette to use the forwarding address service so our address doesn't get disclosed but again this doubles the cost of the notice to almost £200 and we aren't sure how necessary it is
We are so clueless, I'd be really grateful for any advice. The lady at Citizen's Advice was lovely but admitted she got all her advice off the internet as it was a new one to her!
Thanks

OP posts:
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JenWillsiam · 30/07/2023 08:39

JenWillsiam · 30/07/2023 08:39

You should not have spent any of the moment. That’s for the debt. His assets should be used to cover outstanding debt.

Money sorry!

Vynalbob · 30/07/2023 13:27

Your worrying unnecessarily.
Death notice would have usually been put in the papers as part of your FIL s funeral package.
Unless the money pot is big the bank will release it.
Especially do not worry as your FIL was private rental.
My view find everything owed.
Write to debtors saying FIL has died (include photocopy of death certificate) address it from c/o your FILs address and to Whom it may concern.
Nothing will happen
Nobody to take to court
No one person is responsible for another
most (less well off) do not have cause for an executor.

Alternatively, ignore it whichever causes less stress.
I'm assuming your SIL or DH will no longer have a connection to your FILs house & if so you definitely are unlikely to have anyone chase it up.

Personally though I'd send letters to the debtor's as it's likely they'll not even think about doing anything else other than writing it off.

For anyone that may read this if your elderly parents have shot up a debt and are suffering from any MH /Memory loss their debt could be written off...check with CAB.

Watchkeys · 30/07/2023 13:34

No one person is responsible for another
most (less well off) do not have cause for an executor

Someone is responsible for every estate. All estates have an administrator.

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