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Successful PPI claim but having difficulties getting paid late wife’s share


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Hi

 

I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife.

 

Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made.

 

My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in the circumstances, I inherited everything.

 

I can’t understand why MBNA will not just accept our marriage certificate and my wife’s death certificate as sufficient evidence and pay out. That was all the evidence I needed to provide at the time of my wife’s death when dealing with her bank accounts. (They were different banks, not MBNA).

 

The amount owed is only around £400 so the cost of applying for Probate or Letters of Administration would make it all pointless. I assume the cost of obtaining documents from a solicitor confirming no Will, Letter of Administration or Grant of Probate was ever made would also be prohibitive.

 

I was wondering is there any way I could fight this and get MBNA to pay out with just the marriage and death certificates as evidence.

 

Any help or advice would be really appreciated. Maybe someone else has had a similar experience?

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why not give the FOS a ring and ask?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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