It's a nine year old caravan. I don't think I would have accepted it if I'd known it was bought on HP. Is it still mine if there is a year's payments due on it? Or should the executor pay the last of the debt off? Executor is trying to tell me that they personally can't afford to pay the last of the debt, so the caravan has to be sold to settle the finance. I thought if there isn't enough money in the estate, the rest is written off?

I was given a lovely present just over four years ago. Sadly the person who gave it to me died recently. His sibling, (who I'd never met until the funeral) is executor and is demanding the present back. I didn't know it was purchased on finance, but apparently there is a year left of a five year HP agreement on the gift. The gift is registered in my name (its not bricks and mortar) and has been insured and cared for by me since receiving it. The sibling says because of the outstanding HP, he has to return it to the finance company or pay the last year of the finance, so I have to hand it back to him. I thought executors had to settle any outstanding finance as part of sorting out the estate? Or does the gift in question actually belong to the finance company and I never owned it? Is the gift not actually part of my friend's estate at all because he gave it (and registered it) to me?