Families in the UK are expressing frustration with National Savings and Investments (NS&I) as they navigate the complex process of claiming Premium Bonds after the loss of loved ones. Bereaved individuals, such as Kate Constable, have reported agonizing delays, with Constable waiting over a year to claim £46,000 belonging to her late mother. The requirement for probate on claims exceeding £5,000 adds to the burden, especially for those already dealing with the emotional toll of loss. Experts like Duncan Stevens, CEO of account tracing service Gretel, point out that NS&I's outdated data systems and historical record migrations contribute to the difficulties faced by families. One saver recounted how discrepancies in account information led to confusion, as NS&I could not confirm the existence of several accounts. In response to these issues, an NS&I spokesperson apologized for the delays and stated that extra staff have been brought in to expedite the process, aiming to return to normal service levels by autumn 2026.