Right to Collect deceased persons M+S Chargecaed debt

[Undercover-Elsa]

Hi Kholoshian,

My sympathies for your loss.

As above, you need to send for a copy of the Credit Agreement and statement of account. As you are aware, as a responsible administrator it is your duty to ensure that any claims on the estate are valid and accurate.

To ensure accuracy, I would also send a Subject Access Request emphasising that you require a breakdown of all charges added to the account, as if they provide proof, in the shape of a valid agreement, then these charges can be claimed to offset the balance owing.

You'll need to send a copy your authority to act with the requests.

You may well find if they realise you are querying the account they may offer to write it off "as a gesture of goodwill". However many creditors are notoriously uncaring and ruthless following a death.

The links for the template letters (CCA and SAR) are in my signature.

Kind regards,

Elsa x

[Undercover-Elsa]

Snap Rameses