My brother died owing credit card. Insurance protection on it. He retire died cos. ill They wont pay out? -

sister in law doesnt have money to pay it. no estate only house. Legally the credit card company becomes a creditor on your brother's estate. No one else can be forced to pay for it - it comes out of his assets. If the house was in his name then the company can demand payment as the house is an asset in the estate - can your sister in law take out or increase the mortgage to cover the cost? Your brother should have been advised that when he retired - or reached the maximum age allowed under the policy, he could no longer qualify for payment protection insurance. It is likely therefore that you have a case for asking for refund of the premiums paid since he retired - or reached that age. The credit-card company will have a complaints procedure set up so I recommend you put in a complaint and see how they respond. The ironic thing is: If he was unable to work due to being ill and was under the acceptable age (60 or 65 dependikng on policy) then the insurance policy would have paid out. Maybe you could make a retrospective claim - always worth trying. Your sister in law may have to remortgage the house to pay the debt, she should check with the citizens advice bureau to see if there are any other options. debts die with the person in the uk i thought...i could be wrong...phone citizens advice and ask them for help. Hi, sorry to about the loss of your brother, but w hen someone dies, any debts they leave are paid out of their 'estate' (the money and property they leave behind). You're only responsible for their debts if you had a joint loan or agreement or provided a loan guarantee - you aren't automatically responsible for a husband's, wife's or civil partner's debts. Debts die with the debtor. Write to the company and provide a copy of the death certificate