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Not sure if this is in the right place but here goes


My estranged wife died in 2012 and the money in the bank was released to me. There was no probate and the bank paid the funeral directors. The money released did not cover all the expenses such as a small 'do' after the funeral, headstone, costs involved in clearing the house and rent owed to the council as well as 30 minutes with a solicitor.


Anyway, last year I made a complaint about a loan I believe was miss sold and also a PPI reclaim.


The PPI reclaim came back with an offer which I accepted back in October but nothing happened so late November I made a complaint. Today they have written back saying this money has been offset against the outstanding balance on the credit card - While morally I see their point is this legally correct as I am still out of pocket from the legitimate costs although proving it now might be difficult.


With regard to the loan, they have refused to discuss this with me unless I get probate or letters of administration- clearly at this late stage that might be difficult and expensive and possibly futile - again should I fight this?


This is all under English law, I am a little confused. At the time of her death I wasn't dealing terribly well with life  due to well documented problems, so records are a little shaky  

Any opinion I give is from personal experience .

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they shouldn't be offsetting a Loan PPI reclaim against a unrelated credit card debt.




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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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Sorry my mistake for not making it clear.


The PPI was on the credit card 


They refused to discuss the loan unless I had probate 


Although estranged for some years we were still married 

Any opinion I give is from personal experience .

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Hi Fletch,


Your "estranged" status doen't matter in this instance. You were still married but that gives you no automatic right to act after death.


If there was no will appointing you as Executor of your late wife, the bank are right to ask for Letters of Admin or Probate to show who is the right person to deal with her affairs.


If the PPI was set off against an unpaid balance remaining on that same credit card, then I think the bank are within thier rights.

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