claiming ppi after a death is it possible?

daniel-2412

its been a while since I have posted and im sure alot has changed since I last did this but here goes,


my mother passed away in 2009 so I helped my father with all the paperwork. my father passed away in 2012 and before he passed I managed to reclaim back two mis sold ppi claims for him. he was told that he needed this in order to get the loans that he was after, now that he has passed I had to pay off his mortgage to bank of Ireland, which he had taken out with Bristol and west. my question is can I reclaim the ppi on his behalf as I am legally dealing with his estate and who do I claim with? thankyou all for any help with my problem.

dunstonh

my question is can I reclaim the ppi on his behalf as I am legally dealing with his estate and who do I claim with?

The executor of the estate can make complaints. The reason for complaint obviously cannot include allegations of verbal conversations (i.e. you cannot say he was told to have it). However, it doesn't stop factual complaint reasons.

daniel-2412

thank you for your reply, I have been looking at the paper work and I guess that I claim through bank of Ireland as they took over Bristol and west.

[Deleted User]

daniel-2412 wrote: »

thank you for your reply, I have been looking at the paper work and I guess that I claim through bank of Ireland as they took over Bristol and west.

If this is for Mortgage PPI, then do realise that you are unlikely to have any success if you complain that your father was told it was compulsory. Mortgage PPI is still marketed today and does not suffer the same generic selling faults as loan and credit card PPI.
Most mortgage PPI complaints are rejected even if the holder is still around , your task is therefore made doubly difficult because your father is deceased.

amersall

Why, if the Mortgage had PPI, was a claim not made on the insurance for death, this would have possibly repaid the Mortgage.

I don't understand why you had to pay it off?.
Or I have read the post wrong?.

amersall

do they mean other PPI and not MPPI?

[Deleted User]

amersall wrote: »

Why, if the Mortgage had PPI, was a claim not made on the insurance for death, this would have possibly repaid the Mortgage.

That would be life insurance not MPPI (unless there was a segmented policy which included Life and Critical illness). PPI covers unemployment and sickness.

Insider101

As Dunstonh has said, it is theoretically possible for the executor of the estate to make a complaint on behalf of the deceased. The obvious problem being that a complaint of Misselling is generally about the advice/information provided to the buyer at the point of sale. As the executor generally was not there it can be hard to construct a credible complaint. The most likely reason is a significant exclusion under the policy which limits the ability to claim significantly.