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You could contact their bank and ask the bank to pass on a letter. You can also enquire whether it is possible to reject the payment and return it to the bank (I know we can do this at work, but that may be because it is a business account.) Otherwise, set the money aside so it is available if/when ...

I don't think you owe anything. The loan has not been demanded since 1998. The estate didn't raise it and did not seek to recover it and it is over 6 years since then, AND (importantly) one of the executors knew of the loan. I assume that there was only an agreement, nothing actually secured against...

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