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    • dutchcloggie
    • By dutchcloggie 14th Sep 17, 12:45 PM
    • 132Posts
    • 28Thanks
    dutchcloggie
    PPI from my late wife?
    • #1
    • 14th Sep 17, 12:45 PM
    PPI from my late wife? 14th Sep 17 at 12:45 PM
    Hello,

    this is probably a long shot but hey-ho, worth a try.

    My late civil partner used to have a Barclay Card. I recall distinctly that letters arrived at one point about payment protection but we threw them away. My wife had held a Barclay Card from before I met her in 2004. She died in 2011 and I have since destroyed all her financial records because I was forced to move into a single room in a shared house after her death so space was a premium.

    I am pretty sure she paid PPI but I have no paper records and it was years ago. All I know is: She had a Barclay Card once. No idea of card number etc.

    What can I do, if anything?

    Thanks.
Page 1
    • Moneyineptitude
    • By Moneyineptitude 14th Sep 17, 12:49 PM
    • 19,285 Posts
    • 9,393 Thanks
    Moneyineptitude
    • #2
    • 14th Sep 17, 12:49 PM
    • #2
    • 14th Sep 17, 12:49 PM
    She died in 2011 and I have since destroyed all her financial records
    I am pretty sure she paid PPI but I have no paper records and it was years ago.
    Originally posted by dutchcloggie
    As the executor, you have the right to complain on her behalf about PPI.

    However, I fear you have left it far too late to do this.

    With no documentation or account details and no real idea if she even had any PPI this really is a non-starter.

    I suspect you know this already.
    • dutchcloggie
    • By dutchcloggie 14th Sep 17, 1:19 PM
    • 132 Posts
    • 28 Thanks
    dutchcloggie
    • #3
    • 14th Sep 17, 1:19 PM
    • #3
    • 14th Sep 17, 1:19 PM
    I never thought she might qualify for a refund because she was dead. So yes, I left it as I, perhaps stupidly, didn't realise that as the sole beneficiary of the will and executor, I could claim on behalf of someone who died. When she died in 2011, there wasn't that much of attention for PPI and after her death frankly it was the last thing on my mind for a long time.

    I am not too sad about it, it was just something that occurred to me only recently. So it isn't really a case of leaving it per se.

    Nothing ventured... :-)
    • dunstonh
    • By dunstonh 14th Sep 17, 2:35 PM
    • 89,490 Posts
    • 54,953 Thanks
    dunstonh
    • #4
    • 14th Sep 17, 2:35 PM
    • #4
    • 14th Sep 17, 2:35 PM
    I could claim on behalf of someone who died.
    You can make a complaint but you are restricted in the reasons. You cannot say what may or may not have been said. i.e. you cannot say she was forced to have it or lied to. It has to stick to factual reasons not linked to an unprovable allegation.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
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