Claiming PPI on behalf of parent

Funky_Gibbon

In 2006 my mother secretly got herself into a bit of financial mess by taking out a loan with Lloyds TSB and then signed up to an M&S credit card and a Halifax credit card to help pay for the loan. By the time me and my brother found out what she'd done she had run up a debt of around £22,000, which we paid off in full on her behalf in March 2007.

In recent weeks a PPI claims company has started phoning and emailing her, asking her if she wants to make a claim through them. Where they got her details I don't know because we haven't made any enquiries. My mother thinks that she was sold PPI on all of these loans and credit cards but because she has Early Onset Alzheimer's she can't remember any of the specific details and she's not in a fit state to make a claim herself.

Can I make the claims on her behalf even though I don't have much information to go on? She can't remember any of the account details (and I don't think she kept the paperwork) but she does still have the credit cards and she banks with Lloyds TSB. Looking through the FAQs it looks like the first step is to contact each of the sellers, will they talk to me about it or will they require my mother to contact them?

[Deleted User]

Funky_Gibbon wrote: »

Looking through the FAQs it looks like the first step is to contact each of the sellers, will they talk to me about it or will they require my mother to contact them?

The easy way around this is to write the letters yourself, but get your Mum to sign them if she's willing. Unfortunately, with her condition it's possible the Claims Companies and adverts may have convinced her of something that was never the case, so it's important to be sure of the facts.
Write a Subject Access Request (SAR) letter to each lender. It costs £10, but it will provide all records the bank holds for at least six years and (sometimes) more.
There is an excellent template here which you can adapt for your own needs (and get your Mum to sign):
https://forums.moneysavingexpert.com/discussion/1475553