Reclaiming PPI on behalf of deceased?

Naihenry

Hi

I was just wondering if anyone could help me with my question.
Are you able to claim PPI on behalf of someone deceased?

Long story short my mother passed away at the end of 2012 and I thought I had cancelled everything. However she is still receiving credit card statements from 2 of her credit cards.

Before she passed she mentioned something about PPI but I do not know whether she knew she was eligible to claim or simply that she needed to find out whether she could claim.

So now before I contact the companies to inform them of her passing I wanted to know if it was possible for me to make a claim on her behalf?

dunstonh

Are you able to claim PPI on behalf of someone deceased?

The executor of the estate can put a complaint in on behalf the estate. However, it is typically harder to do so (no allegations of what was said can be made for example). If the complaint is successful then they are treated as proceeds of the estate and should be distributed in accordance of the will or intestacy.

So now before I contact the companies to inform them of her passing I wanted to know if it was possible for me to make a claim on her behalf?

Are you the executor?
What would be the reasons for the complaint?

ladeeda

My first impression on this post was was similar to UnderPressure's reaction but really why shouldn't the estate reclaim any money that is owed? Some of the PPI claim amounts have been for considerable amounts of money and could potentially make a significant difference to your mum's estate. I'd much rather see your mums accounts rectified than have a bank or lender financially profit from it - if there is a case to be answered. Dunstonh's advice applies.

Goldiegirl

If you are the executor of the estate and have probate to confirm this, you are authorised to act on behalf of the estate.

If you have this authority, you can write to ask the credit card company if there was PPI.

If so, you would then have to put in a complaint as to why this was mis-sold.

But as your only knowledge is 'that you mum mentioned something about PPI before she died', I would suggest it'd be quite difficult to make a complaint that is strong enough, after all you have no idea what your mum said at the interview, or wrote on her application form.

I've dealt with the estates of my mum and dad. TBH, after I'd finalised their estates, a year afterwards I wouldn't have wanted to do more work on it - I wanted to move forward with my life - wouldn't it be best to remember you mum with love, and enjoy the rest of your life, rather than trying to get more money out of the estate?

Insider101

Naihenry wrote: »

Hi

I was just wondering if anyone could help me with my question.
Are you able to claim PPI on behalf of someone deceased?

Long story short my mother passed away at the end of 2012 and I thought I had cancelled everything. However she is still receiving credit card statements from 2 of her credit cards.

Before she passed she mentioned something about PPI but I do not know whether she knew she was eligible to claim or simply that she needed to find out whether she could claim.

So now before I contact the companies to inform them of her passing I wanted to know if it was possible for me to make a claim on her behalf?

Hi

Sorry to hear about your mother.

Firstly, I echo everyone else's thoughts here. There is no such thing as "reclaiming" PPI or being "eligible to claim". This is PR nonsense bandied about by CMCs. What you would be doing (or potentially doing) is making a complaint about the way in which the policy was sold.

In theory, it is posssible for the executor of the estate to raise a complaint on behalf of the deceased. However, where you're complaing that a product was mis-sold, it works better in theory than in practice. "Mis-sold" basically means that the person was given misleading information, or not given full information, or badly advised regarding the product at the time of sale. Bearing in mind that you, presumably, were not there, it is going to be rather difficult for you to bring any kind of credible complaint.

The word "claim" refers to what you do if you want to use the policy for what it was intended for. I suggest you think about this. Some PPI policies include life cover and if your mother has one of those it might pay the outstanding balance on the card. Otherwise, the card providers would have a claim against the estate for the outstanding balance.

Insider101

ladeeda wrote: »

My first impression on this post was was similar to UnderPressure's reaction but really why shouldn't the estate reclaim any money that is owed? Some of the PPI claim amounts have been for considerable amounts of money and could potentially make a significant difference to your mum's estate. I'd much rather see your mums accounts rectified than have a bank or lender financially profit from it - if there is a case to be answered. Dunstonh's advice applies.

There is no money "owed" and it is not a case of "reclaiming" anything. It is potentially a case of putting in a complaint alleging wrongdoing against the card provider. In this case, it falls to the complainant to be able to make a case for what they think to have been done wrong. In this case it doesn't appear that there is one.

-taff

If she had a secure job, with good sick pay benefits and/or savings to cover the repayments if she lost her job, or if she had a medical condition that was excluded form the insurance payments, then make a complaint that she didn't need the PPI.
If she had loans, use single premium as a complain reason using the above benefits [if she had them] as a reason why she didn't need it.

You will have to prove you can complain on her behalf though, so ask the companies involved what proof they would need before you complain.