This is a brief overview of what happened, there are complicated details, this is just the highlights.

My mother-in-law died 4 years ago. She was an Italian citizen (born in the UK but lived in Italy for 45 years). Her UK account was frozen day one, however, her Italian account was not - it is still open today.

The bank would not freeze it as it was overdrawn, they continued to let Direct Debits come out of it, even her health insurance which they setup and would not cancel as they said "the policy owner needs to cancel it". They took these moneys for 15 months and did not stop taking the direct debit until then. We have since gotten that money back but not any interest on it.

We have no access to the account, the bank took over a year to send us documents we requested, they also failed to tell us for three years that they would not accept scans of documents and that they required the originals.

When my mother-in-law died she was €1275 over drawn with a savings account of €3000 that was invested for 1 year, when that matured at €3,300 (after interest and a few bills) she was €300 in credit. She also had €1300 in shares...

Then a bill for inheritance tax for €1,900 came in, somehow they took that from her, I have no idea who signed this, I wonder if it is some family member but I know we did not!

This is much more complicated than I have put, however, the bank is still charging monthly fees on the account (€35 each month) and I want to know is there a way of putting this situation "in dispute". We are thinking we will pay it to stop further fees and then take action but I feel that would look as being "accepting of the debt" if we pay.

Any advice would be appreciated.

  • 3
    Where are you, and where is the "there" that she lived in for 45 years? – RonJohn Sep 19 '19 at 21:52
  • Island of Elba, Italy. – Recycled Steel Sep 20 '19 at 15:27
  • So, you're also in Italy. Is there a banking regulatory agency you can complain to? – RonJohn Sep 20 '19 at 15:37
  • It's not really clear what the problem is. If I understood correctly, the bank account is overdrawn, yet the bank still making payments & charging fees. While I don't understand Italian law, it would seem that this is all the bank's problem, nothing to do with you. – jamesqf Sep 20 '19 at 16:37
  • 1
    @mkennedy: But (at least in the US), heirs can not be required to pay the debts of the person they inherit from. – jamesqf Sep 21 '19 at 4:04

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