Help: Phillips & Coen chasing debt for my deceased mother

[Simmo52]

Hi,

 

My mother passed away just before Christmas with no will and leaving no estate.

 

My family have now discovered that she had a few debts one of which was to a catalogue company. We advised the company of her death and even sent them the certificate.

 

They have now passed the debt to Phillips & Coen Associate Ltd who are demanding the debt is paid.

 

Phillips & Coen want us to call them to discuss this but I am reluctant to do so as I've been warned that once they have your telephone number they will harass you continually.

 

Can anybody help me?

 

[postggj]

send a letter to phillips and coen with a copy of the death certificate

 

tell them there is no estate (i take it there is no MR) AND YOU NOW CONSIDER THE MATTER CLOSED AND THAT THEY CLOSE DOWN THE ACCOUNT THAT HAS NO BEARING ON ANY OTHER DATA SUBJECT

 

recorded delivery and never give your phone number out

 

phillips and cohen have gone into the probate market, that is why they are contacting you

 

very distasteful

[unclebulgaria67]

Well they are not entitled to receive any money. If there is no estate to settle any debts, then any creditors will just have to accept the loss.

 

In these circumstances, it is sometimes best to involve someone independent e.g Citizens Advice or a solicitor. They might suggest finding out about all debts and doing a one off letter to all creditors advising them of the situation. Then hopefully you will hear no more.

 

I suspect that once the credit record is noted as deceased, then creditors will soon realise the situation anyway.

[Simmo52]

Hi, thanks for your prompt reply.

 

I advised them that there was no estate and that no will was left but they ignored it and passed it to Phillips & Coen. I do have a step-father but he was unaware of the debts also. He is now worried that they will chase him though.

 

I'm sure there's nothing they can do but it is very worrying all the same.

[citizenB]

Your stepfather is not responsible for your Mother's debts either. There is no estate therefore the creditors are going to be unlucky.

 

I would copy your letter to the OFT so they are aware of the unpleasant actions of these people.

 

Under no circumstances telephone them. Send your letter via a tracked method.. Special Delivery is probably the best.

[cerberusalert]

They are clutching at straws, if there was no estate and no assets they get nothing it's as simple as that. Neither your step-father nor you or your siblings are personally responsible for any remaining debts.

 

If they were to try and pursue this through the legal system they would be laughed from the court.

[42man]

Simmo52 are you a bailiff by any chance ?

[ScarletPimpernel]

Just when you thought that there was nothing more despicable than a DCA, along come Philllips Coen to prove you wrong. We have come across them, and their unspeakably unsavoury methods, before.

 

I would be inclined to send Phillips Coen a short letter, to make the position absolutely clear:

 

Dear Curs

 

I refer to your letter dated xxx about my late mother.

 

As (catalogue company) are aware, my mother died leaving no estate. For the avoidance of any doubt, other family member will be making any payment, or responding to any further correspondence in relation to this matter.

 

Your letter has caused considerable distress, and any further contact from yourselves will be construed as harassment and reported accordingly.

 

I trust the position is now clear. If you do not understand any part of this letter, you should seek professional advice.

 

Yours etc.

 

I would be very interested to see a scanned copy of Phillips Coen's letter (with personal details removed); I am researching some aspects of the way they work with a view to bringing formal complaints with regulators.

[cerberusalert]

It's a shame a lot more people don't, particularly when it costs them £500 a complaint that's investigated by the FOS. http://www.moneymarketing.co.uk/news/fos-to-increase-case-fee-to-£500/179229.article

[Bazooka Boo]

Nothing more than cowards, immature incompetent cowards.

Local MP and the media as well.......

[citizenB]

Just when you thought that there was nothing more despicable than a DCA, along come Philllips Coen to prove you wrong. We have come across them, and their unspeakably unsavoury methods, before.

 

I would be inclined to send Phillips Coen a short letter, to make the position absolutely clear:

 

 

Dear Curs

 

I refer to your letter dated xxx about my late mother.

 

As (catalogue company) are aware, my mother died leaving no estate. For the avoidance of any doubt, no other family member will be making any payment, or responding to any further correspondence in relation to this matter.

 

Your letter has caused considerable distress, and any further contact from yourselves will be construed as harassment and reported accordingly.

 

I trust the position is now clear. If you do not understand any part of this letter, you should seek professional advice.

 

Yours etc.

 

I would be very interested to see a scanned copy of Phillips Coen's letter (with personal details removed); I am researching some aspects of the way they work with a view to bringing formal complaints with regulators.

 

added "no" to the letter

[ScarletPimpernel]

I'm obliged to you for the correction!

[Simmo52]

Many thanks for all of your comments and advice.

 

I'll try and get a copy of the letter up on here with the relevant details removed.

[42man]

Where is the letter that you were going to post up ?

[Simmo52]

Sorry it's with my step Dad. He's sent a letter as suggested above and we are awaiting a response.

 

I'll try and get it scanned and up here as soon as I can. Thanks.

[42man]

So where is that letter ? or are just on these forums to make mischief ?

[Happyhippy1959]

Had the same problem with my late father,,, tell them to go forth and multiply there is no estate, simples there loss.

[twofoot]

Tell them to write to the deceased.

Plot 3,132,343,323,898,809,789

The Pearly Gates,

God's Green Acre.

GA1 GOD