I was helping a relative (now herself dead) who was executor and sole benefactor of a will.
The deceased had two relatively small credit card debts - hundreds of euros in each case.
One of the big two banks, when informed of the death, agreed unsolicited to write off the balance. The other (hint ... the same one which recently pumped €1.1 billion into its pension pot) made no such offer, and has sent demands for payment. Given that the deceased received no statements during an illness, and was promised that no charges or interest would be levied, we have asked several times for a breakdown of the amount demanded, but have not had the courtesy of a response, just further demands.
A few days ago, a letter arrived to the executor's address from a firm of solicitors, saying the matter had been handed over to them, and seeking payment. I intended to reply, pointing out that we had previously sought a breakdown of the amount without success, and asking for same yet again. But given the lack of courtesy, I am tempted to tell them to get lost.
Legally does credit card debt die with the cardholder or can they pursue the estate in this way? As I outlined, the estate has been settled, without probate, and the funds paid out to a sole beneficiary (also the executor), who is now also dead. Does this change anything?
Thanks in advance for the help.
The deceased had two relatively small credit card debts - hundreds of euros in each case.
One of the big two banks, when informed of the death, agreed unsolicited to write off the balance. The other (hint ... the same one which recently pumped €1.1 billion into its pension pot) made no such offer, and has sent demands for payment. Given that the deceased received no statements during an illness, and was promised that no charges or interest would be levied, we have asked several times for a breakdown of the amount demanded, but have not had the courtesy of a response, just further demands.
A few days ago, a letter arrived to the executor's address from a firm of solicitors, saying the matter had been handed over to them, and seeking payment. I intended to reply, pointing out that we had previously sought a breakdown of the amount without success, and asking for same yet again. But given the lack of courtesy, I am tempted to tell them to get lost.
Legally does credit card debt die with the cardholder or can they pursue the estate in this way? As I outlined, the estate has been settled, without probate, and the funds paid out to a sole beneficiary (also the executor), who is now also dead. Does this change anything?
Thanks in advance for the help.