Arkline RBS PPI letter deceased

I received a letter from arkline UK with RBS on the banner related to a PPI policy regarding my father who died in 2012. The letter had a link to a website with form and a password and ref number to enter as part of the claim. Arkline is a legal firm. 

Has anyone else received anything like this. I was exectutor for my Dad. 

A very strange letter to get on Christmas Eve. 

To be honest it never occurred to me that you could claim for a deceased person. I know my Dad did have credit cards so who knows.

I thought the deadline had passed. 
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  • edited 24 December 2021 at 4:12PM
    [Deleted User][Deleted User]
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    edited 24 December 2021 at 4:12PM
    It's not unusual. He probably signed up with them some years back.

    You might find it easier to speak to RBS directly. However, you would expect any complaints to have long been resolved.

  • dunstonhdunstonh Forumite
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    Arkline is a legal firm. 
    Checking their website, they do not appear to be a legal firm.  They appear to be a company that supports financial and legal companies.

    According to the FCA register, there is no firm called Arkline with FCA permissions to be a claims management company.

    To be honest it never occurred to me that you could claim for a deceased person. I know my Dad did have credit cards so who knows.

    I thought the deadline had passed. 
    It is unlikely to be in relation to you being able to put in a PPI complaint on behalf of the estate as Arkline do not appear to be authorised in that area and there is nothing on their website that suggests they do it.

    Arkline are involved in tracing people and it seems more likely that they have been employed to trace the beneficiaries in relation to a PPI complaint that was made whilst your father was still alive.   That is still a guess but one based on the sort of services they appear to offer.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • BrieBrie Forumite
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    Frankly I wouldn't engage with them at all and contact RBS to find out what happened.  

    If Arkline contact you again I would just blank them or simply return their letters saying "addressee deceased".
    "Never retract, never explain, never apologise; get things done and let them howl.”

    2023 £1 a day  £54.26/365
  • Brie said:
    Frankly I wouldn't engage with them at all and contact RBS to find out what happened.  

    If Arkline contact you again I would just blank them or simply return their letters saying "addressee deceased".

    The danger will be if the father legitimately signed up for the firm and have a contract and thus a right to a cut of any refund
  • 77Bella77Bella Forumite
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    I have also recently received a letter from Arkline on behalf of RBS regarding my Dad who died in late 2016.
    When he was alive, in 2014, I dealt with a PPI claim with Natwest/RBS for my Dad and the PPI money was used to reduce the outstanding balance on a loan my Dad still had with Natwest/RBS.
    So I'm not sure why they are contacting me now.  He still owed £8k on the loan when he died but the debt died with him as he had no estate / no assets / rented a property / didn't drive so no car / was on benefits.  I am worried that if I fill in the form then they will try to come after me for the outstanding 8k on the loan.  
    So, as the saying goes, I think I will let 'sleeping dogs lie...'
  • brettctabrettcta Forumite
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    They’re very unlikely to come after you for any further payments at this stage, however they may very well have re-calculated or come across more information which would have been born into consideration back in 2014 when the initial complaint was made.

    I’d wager there may be more monies owed to the estate, however if there’s £8k outstanding, any monies due would likely be put against that.

    I’d still reply though, nothing ventured nothing gained.

    did you make the complaint yourself or did you employ a claims management company?
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • 77Bella77Bella Forumite
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    @brettcta Thanks for taking the time to reply. I made the complaint myself using the MSE template and not through a claims management company. 
    I must admit, the curious side of me is considering contacting them. However, maybe that’s what they rely on! 
  • brettctabrettcta Forumite
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    77Bella said:
    @brettcta Thanks for taking the time to reply. I made the complaint myself using the MSE template and not through a claims management company. 
    I must admit, the curious side of me is considering contacting them. However, maybe that’s what they rely on! 
    In my experience in working in PPI and the following mopping up for (another) bank, I’d definitely get in touch, but that’s just me.

    all the best.
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • casslasscasslass Forumite
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    Well I'll let you know what happens from my end. I did complete the online form and there was an automatic reply saying I would here within 3 months.

    Thanks for the replies above. I'll maybe also contact RBS directly to see if they can shed any light. 
  • Missy40Missy40 Forumite
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    casslass said:
    Well I'll let you know what happens from my end. I did complete the online form and there was an automatic reply saying I would here within 3 months.

    Thanks for the replies above. I'll maybe also contact RBS directly to see if they can shed any light. 


    HI i had the same letter , has anyone heard anything i received  a similar letter , i hadnt heard anything , so called RBS they advised it was legitimate ...but not heard a thing since
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