We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Claiming PPI on behalf of parent
Options

Funky_Gibbon
Posts: 23 Forumite
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?
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?
0
Comments
-
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?
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/14755530
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 256.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards