Dealing with Mum's estate - believe she was miss-sold a loan

[debjones1004]

Hi, my Mum has recently died and I'm the executor for her estate. Long story short - she hasn't managed her affairs well over the years and I have now discovered that she took out an unsecured loan 11 years ago that she defaulted on. She still owes more than 75% of the original loan and the debt is held by a debt management company.

The reason I am so shocked is that she also has a mortgage with the same bank that she regularly defaulted on, has never worked and, apart from state benefits, she only had a small private pension from my late Dad. I'm waiting to hear whether she was also sold a PPI but even so, in my mind it's a case of mis-selling surely?

I don't have probate as yet. Any advice as to how I progress my concerns and if I will need a solicitor? I'm currently handling her estate myself. MTIA

[paulajayne]

When was the last payment made?

[debjones1004]

She made her last payment back in 2018 via a debt management company, but then the debt was sold on and she'd ignored recent demands from the new owners. She defaulted on the original loan in 2011. Can you explain in what way would that be significant please? I'm sort of new to all this!

[paulajayne]

If it was over six years since last payment then it could be out of time.

[MeganOgden]

it seems to me that the time for payments has already expired