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    • Mr A J Lewis
    • By Mr A J Lewis 11th Feb 18, 6:53 PM
    • 3Posts
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    Mr A J Lewis
    Deceased Mother PPI Claim
    • #1
    • 11th Feb 18, 6:53 PM
    Deceased Mother PPI Claim 11th Feb 18 at 6:53 PM
    Any information and advice is welcome.

    My mother recently passed away and I am the executor of the estate with probate granted. A few years ago My mother and I started working through her debts as she had a substantial amount that was being paid of minimal amounts weekly, and some being cleared when ever possible.
    Her largest debt of around 20K which still exists is with Barclays. This debt is the consolidation of many debts and credit cards over a period of ten years, and many show PPI was in place. My mother had started a PPI claim form but found it too stressful as her health got worse. She explained to me and filled in the form as to her reasons, and these were because an unemployed mother who was struggling, and so kept having to increase and move to new loans, with each having PPI applied. She was told in the meetings at her local bank that she stood a much better chance of being accepted for the loan if she accepted their offer of PPI to be put in place. This of course added to the amounts she owed, had to pay and ended up in a situation where she could no longer pay the debts. (1998-2002)

    The sum of money is still owed to Barclays (been managed through debt management since 2003), and I am soon to put her home on the market for sale. There is very little equity in the home and there are various things that need clearing/paying off. I am also in the process of dealing with an inquest related to her death in hospital, and there are costs for that too (solicitor).

    So my inquiry is about making a PPI complaint on her behalf, even though she has passed. I have a mostly filled in form by her, and a list of all the account numbers, approx dates and amounts. I am motivated to make a claim for the sake of how much unnecessary stress the PPI costs caused in regards to amplifying her debts, and also to help with probate costs, and with the hope that there may be something left for the 5 benefices, of which I am one. I also believe it is something she really wanted to resolve, but her health became the priority concern at the time.

    I have called Barclays twice, and the first person told me that I could not make a claim for a deceased person, and the second hung up whilst I started to give them details (or the line simply went dead). So after some research I see that people to make claims in such circumstances and so wish to obtain more knowledge on the matter.

    I also presume as the loan is still outstanding, it may simply be that they deduct an amount from it equal to that which was created by PPI payment debt. She was offered to pay the loan off at a sum of £7K in 2012, but the funds were not available.

    Thanks
Page 1
    • dunstonh
    • By dunstonh 11th Feb 18, 7:33 PM
    • 91,010 Posts
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    dunstonh
    • #2
    • 11th Feb 18, 7:33 PM
    • #2
    • 11th Feb 18, 7:33 PM
    Sorry for your loss.

    The executor of the estate can raise the complaint. So, no issues there. However, you cannot make allegations of what may or may not have been said. You have to stick to the factual complaint reasons. (eligibility, suitability etc)

    The bank will be able to set off any redress against the debt. The estate will receive the surplus if any (or they may refund it to the estate but then ask for it back to clear the debt)
    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 an Independent Financial Adviser local to you.
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