Hi,

I am just dealing with the estate of a recently deceased elderly relative.

Since her death it has emerged that a year ago at the age of 76 she took out
a personal loan from her high street bank of £20k.

We are currently in the process of applying for probate, so as yet we are
not sure as to what the actual loan agreement contains, and whether it will
have to be repaid out of her estate.

It was not charged against her house which she owned outright and her only
income was her state pension. It seems rather irresponsible of them to give
her such a loan at her age.

Would such a loan constitute misselling by the bank?

TIA,

Steve