Railway breaking the lae

My aunt passed away last year August 2017. We went to Railway furnishers to notify them of the incident and produced death certificate. Now we have been notified that the account is in arrears and they will come collect the goods. What baffles me is that my aunt was a pensioner and thus should not have been granted credit. How was she going to pay the account of balance of R8500,on a grant? Surely there is some shinanagans that is being done Railway. She was also a widower, without children therefore who co-signed for her that in case anything happens the person will continue with the debt? Also wasn’t she supposed to have been isured so that if such incident the account will be settled? Who is now supposed to pay for these goods, shouldn’t insurance cover this? There clearly is some law that Railway furnishers is breaking by opening account for pensioners and not even insuring them. I will not allow for this to continue , surely the National Credit Regulator needs to know about the these discrepencies