Reclaim PPI for someone who's died

beckysbobbles1

Hi,

I received a letter from one of the PPI companies for my late husband.

I know my husband had a number of loans and credit cards but when he died, I simply paid them off. I assume that he did not have PPI otherwise the insurance should have paid out, surely?

Anyway, I was wondering whether it is worth still looking in to see if he had PPI before. However, I'm not sure if this is allowed on deceased.

[Deleted User]

beckysbobbles1 wrote: »

I assume that he did not have PPI otherwise the insurance should have paid out, surely?

Since PPI is not life insurance, it would not have paid out on death.

beckysbobbles1 wrote: »

I was wondering whether it is worth still looking in to see if he had PPI before. However, I'm not sure if this is allowed on deceased.

Yes, it could well be worthwhile checking to see if there was any PPI on your husband's finances. The difficulty would be showing it was mis-sold to him, as he's no longer here to tell you.

Have a read of this article
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
which should give you some idea of whether your husband may have been mis-sold or not.

amersall

Life insurance is included in most PPI.
If it was in the ops case, I would use that as one reason for mis sell.

amersall

beckysbobbles1 wrote: »

Hi,

I received a letter from one of the PPI companies for my late husband.

I know my husband had a number of loans and credit cards but when he died, I simply paid them off. I assume that he did not have PPI otherwise the insurance should have paid out, surely?

Anyway, I was wondering whether it is worth still looking in to see if he had PPI before. However, I'm not sure if this is allowed on deceased.

If it was a PPI company that has approached you, do not use them ignore any paperwork they sent you and do the claims yourself.

Contact the banks and ask if your Husband had PPI, you will have to show that you are able to make the claim on his behalf if there was PPI and especially if there was life insurance in with the cover.

If you have any paperwork for these loans or CC statements, these will show if there was PPI.

jellie

beckysbobbles1 wrote: »

Hi,

I received a letter from one of the PPI companies for my late husband.

I know my husband had a number of loans and credit cards but when he died, I simply paid them off. I assume that he did not have PPI otherwise the insurance should have paid out, surely?

Anyway, I was wondering whether it is worth still looking in to see if he had PPI before. However, I'm not sure if this is allowed on deceased.

You would have needed to make a claim under a PPI policy, it probably wouldn't have just automatically paid out.

As advised, find out it your husband did have PPI and submit your complaint.

[Deleted User]

jellie wrote: »

You would have needed to make a claim under a PPI policy, it probably wouldn't have just automatically paid out.

Yeah, just one of many reasons PPI was such a generally useless insurance to most people. Even when people have been made unemployed and suffering "hardship", I've seen numerous instances where banks didn't even suggest claiming on the PPI.

amersall

Moneyineptitude wrote: »

Yeah, just one of many reasons PPI was such a generally useless insurance to most people. Even when people have been made unemployed and suffering "hardship", I've seen numerous instances where banks didn't even suggest claiming on the PPI.

This has happened far too frequently if you ask me, people have made token payments to cards and loans in unemployment circumstances, all these will have been recorded on their Credit file just for the sake of someone at the bank letting the customer know when they called to have reduced payments due to illness or redundancy, that they could claim on the PPI, the bank staff were quick to sell this PPI as they received a bonus for the amount of this insurance they could sell, but not so quick to help the customer claim on this, I wonder how much money was made by the selling of this insurance that the insurance company did not have to pay claims out for, win win for the banks and the insurance company.

Insider101

amersall wrote: »

Life insurance is included in most PPI.
If it was in the ops case, I would use that as one reason for mis sell.

It is included with a number of policies but isn't really the main purpose of PPI. however, nor is it a reason for Mis-sale.

Insider101

Moneyineptitude wrote: »

Yeah, just one of many reasons PPI was such a generally useless insurance to most people. Even when people have been made unemployed and suffering "hardship", I've seen numerous instances where banks didn't even suggest claiming on the PPI.

There's an argument to be had over this. I've known numerous instances of it happening as well. The bottom line is like any insurance a claim needs to be made for a payment to be issued. Though you could easily say that the bank ought to be switched on to the possibility of the customer having cover they could claim on. IMHo it's all due to the demise of local branch banking. No longer do you have a bank manager who knows you and who you can trust. Nowadays it's all lending and credit scoring departments with separate insurers as a right hand who doesn't know what the left is doing.

Insider101

jellie wrote: »

You would have needed to make a claim under a PPI policy, it probably wouldn't have just automatically paid out.

As advised, find out it your husband did have PPI and submit your complaint.

It's not quite that simple. Whilst the executor of the estate does technically have the right to carry out the deceased's affairs, including submitting a complaint on their behalf, you're talking about a complaint regarding the way in which a policy was sold. Unfortunately, even if there is a policy and there were grounds for complaint, the OP's husband is no longer around to give his side of events. The OP evidently was not there when any PPI was sold. Hence, unless there's a clear and unarguable failing like ineligibility it's likely to prove very difficult.

jellie

Insider101 wrote: »

It's not quite that simple. Whilst the executor of the estate does technically have the right to carry out the deceased's affairs, including submitting a complaint on their behalf, you're talking about a complaint regarding the way in which a policy was sold. Unfortunately, even if there is a policy and there were grounds for complaint, the OP's husband is no longer around to give his side of events. The OP evidently was not there when any PPI was sold. Hence, unless there's a clear and unarguable failing like ineligibility it's likely to prove very difficult.

Yes I know that. But unless a complaint is made, it's not going to be investigated.

Or it might be that OP could make a retrospective claim for the death benefits and get her money back that way instead.