ppi post death

vmaxnick

Hi
my dad died in June 2013. Going through the paperwork (as you do) we find he had a £30k loan a few years ago (all paid off) surprise surprise, despite him being retired, they made him take up PPI. We are getting a Royal run around from his bank. Are we entitled to claim as executors?

Vectis

How do you know your Dad didn't ask for it?

How do you know they 'made' him take it? Do you have evidence?

vmaxnick

Vectis wrote: »

How do you know your Dad didn't ask for it?

How do you know they 'made' him take it? Do you have evidence?

Really? No really????? Do we really still need to prove that they missold, dad was a pensioner, how was he going to lose his income? (Life cover was seperate)
I think we have reached the point where we are all aware that misselling was endemic. What I'm asking is whether as his executor, am I entitled to persue the case on behalf of his estate?

dunstonh

Really? No really????? Do we really still need to prove that they missold

The available evidence has to point to it being mis-sold.

dad was a pensioner, how was he going to lose his income?

Which can be a valid complaint reason if it was full PPI and not say death cover only.

I think we have reached the point where we are all aware that misselling was endemic.

We havent. Some types of PPI have the majority of complaints rejected. Each case is looked at on its own merits.

What I'm asking is whether as his executor, am I entitled to persue the case on behalf of his estate?

You are. Although be aware that you have to stick to factual/provable reasons. You cannot use unprovable verbal allegations.

-taff

You are entitled to complain if you can prove that you are - they will probably ask for proof.

Have a look and see if it's single premium which is a great missell complaint. If he was a ensioner when he took it out, check that the \PPI was actually PPI and not a form of life assurance.

And who sold it to him and when?

vmaxnick

Thanks for the replies. I will dig out the documents and if it was a purely payment protection plan, I will start pursuing the case.

-taff

Depends who sold him the loan and whether they were regulated at the time if it wasn't a bank or building society.