Reclaiming PPI on behalf of deceased

LeCoop

My mother died in 2008 and as executor of her estate, I settled a LloydsTSB credit card bill for c.£4000 and MBNA for £3500, as well as her mortgage.

On hearing of recent reclaims for PPI, I looked up some of my mother's credit card statements and sure enough, she was paying a variable amount of Payment Protection Cover to Lloyds TSB from Feb 2004 until her death in Mar 2008, at a rate of approx. £30 per month.

I have statements showing payment each month in 2007-2008, also the original confirmation letter, Feb 2004, but I don't have a copy of the policy issued at the time.

Am I eligible to have these payments restored to her estate? ...indeed, should I be asking why her Payment Protection Cover didn't take care of the outstanding balance at the time?

Any good tips on how to pursue this matter?

LeCoop

p.s. If this detail is important, she lived alone and would have been 69 and retired at the time of the taking out the cover in 2004, with no income but for small state/private pensions

dunstonh

The executor of the estate can make a complaint and it should be made clear on the complaint that is the case (to avoid it being returned as no authorisation to make a complaint)

.indeed, should I be asking why her Payment Protection Cover didn't take care of the outstanding balance at the time?

In most cases, it wouldnt be designed to. Most PPI covers accident, sickness and unemployment. Not life assurance. There are some that include that but generically, that is not the purpose of PPI.

ALIBOBSY

Most PPi only cover people between 18 and 65 so I would imagine an open and shut case of miss selling-but you may need to check the policies she had.
Definately worth a complaint and as Duns says the executor should claim on behalf of the estate.

Good Luck
Ali x

dzug1

You need to pursue the matter with Lloyds and reach an impasse before you can go to the Ombudsman - who will probably want a copy of probate BTW

magpiecottage

ALIBOBSY wrote: »

Most PPi only cover people between 18 and 65 so I would imagine an open and shut case of miss selling

Arguably it could be a mispurchase (customer's fault). However, it should not be beyond the wit of the bank to take the cover off when the maximum age is reached (and not to put it on if it has already been passed).

So I think the case is strong.