Deceased Mortgage

thomas0735

My SIL's brother has just died and has a mortgage with Santander, yet they are refusing to frieze the interest on her brother's mortgage, despite being asked to and keep charging his bank every month that his mortgage is paid even though they've had letters from her solicitors and copy's of his death certificate. Current fees are almost at £1,000 is there anything she can do or anyone she can contact for help in getting them to frieze the interest and stop charging her so much in fees

TrickyDicky

Did he own the property on his own or jointly with your SIL?
If it was a joint tenancy and joint mortgage, unless he had life insurance she would be responsible to continue paying.

Could you give more information about the property?

thomas0735

He owned the flat on his own and died suddenly leaving no will and she's having to sort everything out with the help of her solicitor to trace everything

willing2learn_3

Hi

I'm so sorry to hear the sad news.

I would call the financial ombudsman service and lodge a complaint - it can be done over the phone as far as i'm aware (they've done that with me anyway) and it would be the quickest and least stressful way of attempting to solve the problem for your sister in law.

TrickyDicky

thomas0735 wrote: »

He owned the flat on his own and died suddenly leaving no will and she's having to sort everything out with the help of her solicitor to trace everything

So in that case she is not liable to pay anything, it should all be sorted with probate, unless she intends to keep the flat.

dkmax_2

TrickyDicky wrote: »

So in that case she is not liable to pay anything, it should all be sorted with probate, unless she intends to keep the flat.

The OP did not say the SIL was worried about her personal liability (she has none, as you say) but the fact that charges are accruing on the estate. While I can understand interest still being payable, it would seem unreasonable (and possibly unlawful) to apply additional charges until probate is granted.