After death PPI claims

With the recent onslaught of companies claiming individuals could receive thousands of pounds through missold PPI claims, we are now experiencing the inevitable problem of what happens if a person dies with an outstanding PPI claim?
In order for a claim to progress despite the individual now being deceased, the next of kin must apply for probate.
In cases where a Will has not been prepared, the rules of intestacy state that only the next of kin can apply for probate and so it follows that only they can then progress with the PPI claim.
Even individuals with few or no assets, who think they may be liable to make a PPI claim, must consider the potential value of that claim when preparing a Will. To avoid writing a Will at all, particularly if there is no next of kin, could mean that thousands of pounds are lost when that claim cannot be continued after death.

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