Apologies for the late reply.
1. With regards ***** ***** obligation to pay the money back: If the payment was made to her during the lifetime of your father, whether it be from the CC or from his personal account, but there was no requirement from either the CC (as represented by your father) or your father that she must pay it back, then it is a gift and she does not have to pay it back. If there was an agreement that she must pay it back, the executor needs to prove that agreement.
2. With regard to the funeral policy: It is difficult to answer that without having regard to the wording of the policy. If she has been named a beneficiary of the policy on condition that she pay for the funeral, then she would be responsible for the funeral costs. In the absence of such an agreement, there is again, no obligation on her. I believe, however, that this can probably be settled by requesting her to pay into the estate account the amount of money that she can prove, she would have used for the funeral. With this I am not necessarily saying that you can legally enforce this. I am just making a suggestion on how it can be settled without wasting a lot of money on legal expenses by both parties.
3. With regards ***** ***** vehicle: It would seem as if a case can be made that your father personally paid for the vehicle. The payments are not made from the CC and the finance is not in the name of the CC. So, now that your father is no longer a member of the CC and since the vehicle is in his name and financed in his name, the CC no longer has an obligation to pay for the vehicle.
The outstanding loan on the vehicle is, therefore, a liability in the estate and must be paid off by the estate, whereafter she will then inherit the vehicle unencumbered
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