I had one of these recently which went to court because the paperwork provided by the claimant was abysmal and it wasn’t absolutely clear (both in wording and visually because it was a very bad copy) that the customer had agreed to pay the fee.
It was actually an enquiry form but in the wording of the enquiry form there was a veiled agreement to pay the fee.
The customer lost. Whilst I accept that your husband may have had mental health problems time, there is no way that the PPI company could have known that.
Even when PPI reclaim companies are involved, just for devilment or whatever, the financial institution will invariably write directly to the customer and send the money directly to the customer under exactly the same circumstances you are now experiencing.
Whether they take this to court or not and whether they succeed to a great extent really depends on their own paperwork.
A lot would also depend on whether the reclaim has come as a result of your paperwork or whether it came as a result of the claim company paperwork.
You do say that your husband didn’t sign anything.
However they seem to be saying that you filled in the questionnaire which seems to contradict.
What you could do if you wanted to avoid the possibility of them taking you to court (you could win all lose depending on whether anything was signed and what was on the enquiry form) would be, to pay, say, 25% of what they are asking for telling them that if they accept that, it is in full and final settlement of all claims they have against you. It needs to go by cheque not just an offer because of cheque in the hand for 25% of what they want as opposed to an old human over 100% is quite a good incentive to take what’s on offer.
They don’t have to course, they can return the cheque and take you to court but they will only normally do that if they are pretty sure of their paperwork.
If you are making them an offer or sending a cheque, the new need to mark the letter Without Prejudice Save as to Costs and then, they cannot produce it in court as any kind of admission that you owe them anything.
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