irresponsible lending and failure to check address

My husband and I have been married since 2000 in community of property, HE died in Jan 14 2016, few weeks after his funeral I received a call from Eve Parker, FNB collections demanding a payment of R58 000 for a credit card, in their letter of demand, the addres written is not our address, I asked her to send the statements of activity as I was not aware of this credit card, she said it was opened in 2007 and my husband stopped paying, they had submitted it to their dept collection lawyers in 2010 she said, I asked why there were no sms or letters of demand when he was alive, she said because he didn't pay, the stopped. So I want to know how come they managed contact us now that he is dead, how can they have given him vehicle finance in 2011 which he was still paying for until he died, receiving statements through our correct address and yet he was owing them so much money between 2007 and 2010, up to now they have failed to produce statements. I wrote to NCR and was told this is not right. This is irresistible lending, ***** against a late persons estate or a dept that had prescribed and they are trying their luck. I refuse to acknowledge such dept until they show me proof .