PPI after death

everitt4147

My mum has used a third party ppi reclaim company who have managed to reclaim ppi for her. They have also reviewed my dad's accounts who died in 2003. They have told her that she is able to claim x amount for him but NatWest are refusing to pay out saying that she needs to go through probate first before they pay her. She didn't go through probate at the time of his death - all of his estate went directly to her. Does she actually need to go through probate?

-taff

she needs to prove she has the right to complain as the executor of his estate or probate.
If they want that, she'll have to give it to them.

The company are probably not telling the whole truth. They probably want to put speculative complaints in, on the off-chance they'll receive more money because it costs them nothing to fill in a form, put it in an envelope and send it off, while your mother has to do all the hard work, which is find out account numbers, and prove she has the right to complain.

If the company 'managed to reclaim something for her', they did absolutely nothing more than she could have done herself, and 'managed o claim' nothing more than she could have herself, but she's paying them for doing it.

They are not magic entities they have no special powers to complain, they fill in exactly the same form she would have done and sent it to the same address she woud have done.

Cancel the contract with them before she starts complaining on your fathers behalf.

dunstonh

The legal representative of your father's estate can make the complaint and probate verifies who that is. So, the request by the bank is fair and correct.

Aquamania

everitt4147 wrote: »

My mum has used a third party ppi reclaim company who have managed to reclaim ppi for her. They have also reviewed my dad's accounts who died in 2003. They have told her that she is able to claim x amount for him but NatWest are refusing to pay out saying that she needs to go through probate first before they pay her. She didn't go through probate at the time of his death - all of his estate went directly to her. Does she actually need to go through probate?

On what basis was your dad's estate passed to your mum when he died 11 years ago?
Whilst banks will usually transfer joint accounts to the surviving spouse on proof of death, they will freeze any single named accounts.

People, often refer to obtaining probate when someone passes away as shorthand for identifying formally who is responsible for dealing with the financial affairs of someone who has died and distributing it in accordance accordingly. But it's not always appropriate; sometimes something called letters of administration are actually what are required.

This page explains details of how to deal correctly with the financial affairs of someone who has died
http://www.adviceguide.org.uk/wales/relationships_w/relationships_death_and_wills_e/dealing_with_the_financial_affairs_of_someone_who_has_died.htm

If obtaining letters of administration is the correct approach in dealing with your late father's estate, then the bank will accept this i.l.o probate.