Mother died and now accused of fraud what can we do?

samja1

Jamesd I hate waiting games but I think you are right. It doesnt matter how much speculating and surmising is done here. Until I know what we are faced with there doesnt seem much point worrying or planning etc.

Ms Chocaholic Humour is by far the best way to get through these things. Thanks! By the way what does OH stand for? i cant work it out (how thick am I?)

MarkyMarkD

OH = other half.

samja1

Apparantly she did query the letters addressed to her husband and they 'allegedly' told her this was nothing to worry about. There is a possibility that there may be some correspondance evidence for this from the compay. This sounds very very strange to me.

My husband will repuest a copy of the original contract etc when this letter comes through.

The pension advisory service only allocates someone to help with state pensions we think (but it was a good idea.)

Samja1

samja1

MarkymarkD

Of course. Thanks for not posting how thick you think I am.

Smaja1

dunstonh

I think the best thing is to get the info from the provider.

The vast majority of financial services products go through with no problems. Errors are made but it is a tiny minority. In recent times on this board there is often the assumption made that companies are always wrong and consumers are always right. It has gone more from being a moneysaving site to a "lets screw what we can out of companies even if its wrong" site for some people.

So, I dont think any favours are being done by anyone until the facts about the policy are known. The information is available from the company and they will supply it if you ask for it. As I said earlier in the thread, an IFA would have this resolved in minutes. It just needs someone that can get the information and understand it.

Once the facts are known, then we can say if the company is right or not.

samja1

We do have an IFA we could ask. Would this be better than the solicitor then? I am hoping the letter arrives soon.

MrsTinks

Pension companies are one of my own pet hates I have to say... friend of mine died the same day as the queen mother and was only in his late 30's. He had a VERY good company pension that was set up to pay out to his wife - however they tried every trick int he book to not pay out. Thankfully the company that employed him set their solicitors on the case to make sure the widow got what she was entitled to. They also out of their funds gave her an intrest free loan to tide her over until the policy paid out. I knw we had a heck of a time convincing them he'd died and had to provide death certificates and coroners documents to everyone and his dog before they coughed up. Thankfully because the company provided solicitors it was all sorted in the end and she got what he had paid a lot of money to ensure she'd get if anything ever happened to him.
Pension companies - pah!

dunstonh

An IFA would be cheaper than a solicitor. If it is the servicing IFA (the one that set up the transaction) then its a case of a 5 minute phone call. If its not the servicing IFA then its a case of a letter of authority to appoint the IFA to be the servicing adviser and then the information can be got.

I would expect something like this to be done at no charge if you already have the IFA as your adviser. If you didnt have an IFA already, then I would expect them to make a small charge.

pefwin

samja1 wrote: »

Apparantly she did query the letters addressed to her husband and they 'allegedly' told her this was nothing to worry about. There is a possibility that there may be some correspondance evidence for this from the compay. This sounds very very strange to me.

My husband will repuest a copy of the original contract etc when this letter comes through.

The pension advisory service only allocates someone to help with state pensions we think (but it was a good idea.)

Samja1

At last some one has finally mentioned guarantee periods; potentially if there has not been maladministration there could be some monies owing: net of spouse's benefits and any guarantees and whether there was any form of overlap on said guarantee.

You can a request a copy of their administration file under the Data Protection Act for a fee. This may finally resolve the issue of who said what and to whem or it may prove that they just don't know and are taking a 'punt'.

dunstonh

You can a request a copy of their administration file under the Data Protection Act for a fee. This may finally resolve the issue of who said what and to whem or it may prove that they just don't know and are taking a 'punt'.

Why?

This is just an additional cost which may result in just a copy application being sent.

Get the facts about the policy first. Rather than assume an error has been made first. There is no point jumping to the extreme of mis-sale or error made if you dont know the facts to begin with.