How to notify Currys when someone dies

Currys is the UK’s biggest consumer electronics retailer, and for many households the deceased may have had more than one relationship with the business: a standard online account for order history, a Currys Flexpay credit account for a large purchase, a Care & Repair protection plan on an appliance, or unused gift cards. These are handled by different teams and in some cases by separate companies entirely.

This guide walks through each element in turn – from the initial notification call to what happens with Currys Flexpay credit (provided by Creation Consumer Finance), how to cancel a Care & Repair plan, and what to do with gift cards. You do not need to have everything sorted before you call. Getting the credit account frozen is the most time-sensitive action; the rest can follow at your own pace.

Quick reference:

• Currys customer service: 0344 561 0000 – Mon–Fri 8am–8pm, Sat 8am–6pm, Sun 9am–6pm
• Currys Flexpay (Creation Consumer Finance): 0371 402 8905 – Mon–Fri 8:30am–5:30pm, Sat 8:30am–5:00pm
• Care & Repair: 0344 800 6080
• No dedicated online bereavement form – phone is the primary channel

How to notify Currys

Currys does not publish a dedicated bereavement page or a separate bereavement telephone number. The primary route is the main customer service line.

Phone: Call 0344 561 0000. Lines are open Monday to Friday 8am–8pm, Saturday 8am–6pm, and Sunday 9am–6pm. When you call, explain that you are contacting them following the death of an account holder. Ask the agent to note the bereavement on the account and to close or suspend it as appropriate.

By email: You can write to help@currys.co.uk for general account matters. For Care & Repair plans specifically, the email address is careservices@currys.co.uk.

By post: Write to:

Currys Customer Experience Team
PO Box 194
Cramlington
NE23 0DA

Include a photocopy of the death certificate and a covering letter stating the deceased’s full name, date of birth, date of death, and usual address, plus your own name and relationship to the deceased (executor, administrator, or next of kin).

Third-party notification services: Services such as Settld and Life Ledger can in some cases notify multiple retailers simultaneously. However, as of early 2026, Settld notes that it cannot notify Currys on your behalf due to Currys’ own notification processes. Check current availability on the Settld or Life Ledger websites before relying on this route.

What to have ready when you call

Before phoning, gather:

• The deceased’s full name and date of birth
• The date of death
• The email address registered to their Currys account, if known
• Any Currys order reference number or account number, if available
• Your own name and relationship to the deceased

You do not need all of this to make the call. If you only have the name and date of death, the customer service team can usually locate the account from that information.

Documents you will need

For the Currys retail account:

• Death certificate (a photocopy or scanned copy is acceptable – you do not need to send an original)
• Covering letter with the deceased’s details and your own contact information

For the Currys Flexpay credit account (Creation Consumer Finance):

• Death certificate or interim death certificate (original, certified copy, or clear photograph)
• The deceased’s full name, date of birth, date of death, and usual address
• Account number or credit agreement reference, if known

For a Care & Repair plan:

• Death certificate
• The plan reference number (found on the plan confirmation email or documents)

Keep the original death certificate safe. You will need it repeatedly during estate administration – for banks, HMRC, pension providers, and many others. The General Register Office will issue additional certified copies at £12.50 each if you need more. See our guide to what to do after someone dies for a full overview of the notification process.

What happens to the Currys online account

A standard Currys online account holds order history, saved delivery addresses, and stored payment methods. There is no ongoing financial obligation – no credit, no minimum payments, no subscription. If the deceased had a standard account only (no Flexpay, no Care & Repair), this is a relatively straightforward closure.

When you notify Currys, they will close or suspend the account. Any outstanding orders can be discussed with the customer service team at the time – if an order was placed but not yet delivered, you may be able to cancel it and request a refund to the original payment method. Explain the situation clearly; the team has discretion in how they handle estate-related refunds, particularly if the original payment account has been frozen.

Refunds: If the deceased purchased goods that have since been returned or are eligible for return, Currys can issue a refund. The standard Currys returns policy applies, though teams generally apply common sense in bereavement situations. Ask directly when you call.

The Currys Flexpay credit account

If the deceased used Currys Flexpay to spread the cost of a purchase, this is the account that needs the most urgent attention. Interest continues to accrue on any outstanding balance until the lender is formally notified.

Currys Flexpay is provided by Creation Consumer Finance Limited, a separate company from Currys itself. Creation Consumer Finance is authorised and regulated by the Financial Conduct Authority (FCA). You will need to contact them directly to manage the credit account.

Phone: 0371 402 8905 – Mon–Fri 8:30am–5:30pm, Sat 8:30am–5:00pm, Sun closed.

By post: Creation Consumer Finance Limited, PO Box 14455, Birmingham, B25 9ER.

Alternatively, you can manage the account via the Creation Finance Online Account Manager if you have access to the deceased’s login credentials, though calling is the most direct route.

What happens when you notify Creation Consumer Finance

The outstanding balance is not passed to family members personally. Unless someone was a joint account holder on the credit agreement, they have no personal liability for any debt remaining on the Flexpay account. The debt is owed by the estate, not by individuals. (Source: National Debtline – Debts after death in England and Wales.)

Once you have notified Creation Consumer Finance, they will advise on the next steps – typically they will ask for a copy of the death certificate and, depending on the outstanding balance, may also request evidence of the executor’s authority (grant of probate or letters of administration). They will write to confirm what documentation they need once the death has been registered on the account.

For a broader explanation of how credit debts are treated within an estate – including what happens if the estate has insufficient assets to settle them – see our guide to what happens to credit card debt after death.

If the deceased had no Currys Flexpay account, this section does not apply. To check, look through the deceased’s bank statements for Direct Debit payments to “Creation Consumer Finance” or “Currys Flexpay,” or search their email for account confirmation or statement emails from creation.co.uk.

Care & Repair plans

Currys Care & Repair is a protection plan that covers repair or replacement of electrical appliances for a monthly or annual fee. It is administered by Currys Group Limited and is not an insurance product – it is an extended warranty service contract.

If the deceased held a Care & Repair plan, you will need to cancel it separately from the main Currys account.

Phone: 0344 800 6080

Email: careservices@currys.co.uk

Online: Visit careservices.currys.co.uk to access the care services portal. In normal circumstances customers can submit cancellation requests online; in a bereavement situation it is worth calling first to explain the circumstances.

When you contact the Care & Repair team, explain that the account holder has died and ask them to cancel the plan. You will need the plan reference number if you have it, along with the deceased’s name and date of death.

Refunds on cancellation: Under Currys’ standard terms, customers who cancel a fixed-term Care & Repair plan outside the first 45 days receive a pro rata refund based on the number of full unexpired months remaining. Bereavement cancellations are generally handled with flexibility – ask the team directly about any refund due to the estate.

Where a Care & Repair plan covers an appliance that will be kept by a family member, it may be possible to transfer the plan to a new account holder rather than cancel it outright. Ask the team whether this option is available.

Refunds and returns for the estate

Currys’ standard returns policy allows products to be returned within 30 days of purchase for a full refund. In practice, estate-related situations are often treated with greater flexibility, particularly where the deceased made a recent purchase they never used.

If there is an item in the deceased’s home that was purchased from Currys and has not been used – or where a refund is due on a recent order – contact the customer service line on 0344 561 0000. Be clear that you are calling on behalf of the estate and explain the circumstances. The team has discretion in these situations, even where the standard 30-day window has passed.

What to expect:

• Refunds are typically processed back to the original payment method. If that card or account has been frozen, ask the team how they can issue payment to the estate instead.
• If you do not have the original receipt or order confirmation, a name search on the account is usually sufficient.
• Items purchased using a Currys gift card may be refunded back onto a new gift card rather than as cash.

Gift cards

If the deceased held a Currys gift card – physical or digital – the balance forms part of the estate. Gift cards are treated as the equivalent of unused cash: they belong to whoever holds them.

Currys gift cards do not expire within the first two years of use or the last balance enquiry. However, Currys’ terms state that gift card balances cannot be exchanged for cash in normal circumstances. (Source: Currys Gift Card Terms and Conditions.)

In an estate context, the most practical approach is to use the gift card balance to purchase items the estate or family members actually need – or to ask Currys customer services whether they will make an exception for estate purposes. There is no published policy on estate refunds of gift card balances, but it is worth raising when you call.

To check a Currys gift card balance, visit currys.co.uk/gifting/gift-cards or call the customer service number. You will need the card number and, for digital cards, the email they were sent to.

How long does it take

Retail account closure: Typically handled on the same call, or within a few working days if you contact by post or email.

Currys Flexpay (Creation Consumer Finance): The initial freeze is applied as soon as the death is registered on the account. Full account settlement – once documentation has been reviewed and any outstanding balance agreed – typically takes two to six weeks, depending on the complexity of the account and whether an outstanding balance needs to be settled by the estate.

Care & Repair plan cancellation: Usually processed within 7–14 working days of notification. A confirmation letter is sent once the cancellation has been completed, and any pro rata refund is processed at that point.

If you send documents by post and have not received a response within four weeks, follow up by phone.

Things to watch out for

The Flexpay credit account is entirely separate from the retail account. Calling Currys’ main customer service line will close the retail account, but it will not automatically notify Creation Consumer Finance. These are two different companies. You must contact Creation separately on 0371 402 8905 – and do so promptly, because interest runs until they are formally notified.

Care & Repair is a third strand. If the deceased had a protection plan, this also needs separate action via the Care & Repair team. One call to the main Currys line will not close all three – retail account, credit, and care plan – in one step.

Payments may still leave the estate account. If the deceased had a Direct Debit set up for a Care & Repair plan or Flexpay repayment, that Direct Debit will remain active until you notify the relevant team. Notify Currys and Creation quickly, and let the deceased’s bank know about the death at the same time – the bank can freeze the account and prevent further debits while the estate is being administered. See our guide on what happens to a bank account when someone dies for more on this process.

You are not personally liable for any debts. Unless you were a joint account holder on a Currys Flexpay agreement, you have no personal obligation to repay any outstanding balance from your own money. The debt is the estate’s, not yours.

Keep records of every contact. Note the date of each call, the name of the person you spoke to, and any reference number given. If an account goes to collections before the bereavement notification has been processed – which can happen in error – a clear record of your notification protects you.

Summary

The Currys Flexpay account with Creation Consumer Finance is the most time-sensitive – contact them as soon as possible to stop interest accruing on any outstanding balance. The retail account and Care & Repair plan can follow at your own pace.

A photocopy or scanned photograph of the death certificate is sufficient in most cases. You do not need to send an original. Order multiple certified copies from the General Register Office if you are working through a long list of notifications – they cost £12.50 each and will be needed many times over.

If you are working through a wider estate, Currys is a mid-priority notification. Get the banks and HMRC contacted first, then return to retailers. For a suggested order of priority and a full checklist, see our guide to what to do after someone dies.