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Phillips & Cohen chasing deceased husbands debt 18mts later


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Hi all

 

On sat I received two letters from Phillips and Cohen in regards to my deceased husbands estate.

 

To be honest I am somewhat confused and very upset as to why I have received these two letters now as my husband died 18 months ago.

 

The orginal debt collection agency was/is Lowells and I informed them at the time of his death and supplied the death certificate and everything.

 

My husband did not have an estate in actual fact he had nothing.

Lowells did say at the time of being informed that the above would be contacting me at some point but 18 months later??

Surely this is wrong?

 

I have read and re-read these letter over and over again and not really sure what to do about them as I believed that your debt died with you if there wasn't any estate and besides isn't there a 6 month limitation for them to establish a claim on the an estate?

 

To be honest I am not sure what to do next, do I phone them tomorrow and tell them to do one?

Or do I email them or simply just ignore their letters?

 

I will add the sums they are asking for are just over 5k,

which has left me gobsmacked as I could never afford to pay that kind of money back.

 

Any advice anyone can give will be gratefully received.

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thank you for the responses, greatly appreciated. I had a look through the links you posted and some interesting threads. If should hear from them again then I will go through their complaints proceedure.

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Thank you for the responses, greatly appreciated. I had a look through the links you posted and some interesting threads. If should hear from them again then I will go through their complaints proceedure.

 

So no will/executor ? Nothing such a house in joint names ?

 

There is not a lot they can do, if there was no estate at all. Not sure engaging in correspondence would assist. If there is any documentation showing no estate funds left after paying relevant expenses such as funeral, then if they continue to hassle you, you could send them a copy, but you don't have to. It is none of their business.

We could do with some help from you.

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I found that a letter [removed] enough to get them off my back.

 

 

One letter did it for everything, that was 4 years ago. Never heard from them again

Edited by dx100uk
links to that site are not allowed - dx

Any opinion I give is from personal experience .

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There is not a lot they can do, if there was no estate at all. Not sure engaging in correspondence would assist.

 

Just to add to this. Do not telephone P&H or email them. If you must communicate with them, only ever do it in writing. For them to post a reply back will cost them time and money for the envelope & stamp. As long as the alleged debts were in your late husbands sole name, there is little that they can do.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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No... you can't eat my brain just yet. I need it a little while longer.
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I respectfully refer you to post 3

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi all

 

So sorry I was not able to get back on here to reply sooner, to answer questions the debt was my late husbands, no house in joint names or otherwise, no assests. Well, I decided to bite the bullet so to speak and I emailed them on Sunday night, basically saying that there wasn't any money and therefore no estate to administer etc. I got a reply yesterday afternoon, stating that they were returning the file back to their clien and marked as case closed and they were advising their client to do the same. This should now be the end of it (double crossed fingers).

 

Thank you all so much for taking the time to read my post and for reponding. xx

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Hi

 

Keep hold of the email. After my wife died they contacted me about two accounts but on the second one they stopped dead when I told them they knew the details already

Any opinion I give is from personal experience .

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