Claim PPI and bank account charges for a deceased loved one?

SavingSupremo

Hi
I'm new to this - so sorry if I'm asking something that has been asked a million times but I couldn't see any real answers or telling say if so, do it like this.

I have had great success claiming PPI, only this week £840 from Lloyds for a Gold Service account I had for about 5 years.
As someone who got into debt, MSE has helped me get straight!

My question is:
Can I claim PPI and Bank account fees for a deceased person? My mom passed away a few years ago and struggled with money, but did well to look after me and my sister. I know she had loans to buy computers, furniture for us etc and had a Lloyds account. I presume she had PPI etc but I've no records of account numbers to check. Can I put in a claim for deceased person? And how do I go about it...as there are no templates for this on MSE! Sort it out Martin ha ha. Can anyone help...or give me any direction. Or tell me I've no chance! Any comments good or bad appreciated.

Thanks for your time.

dunstonh

Can I claim PPI and Bank account fees for a deceased person?

The executor of the estate can put in a complaint for the deceased. There are certain complaint reasons that cant be made (i.e. what was or was not said) but it is still possible.

Nasqueron

If you are the executor you could ring up the finance companies and see what records they have - you may need to send in speculative SAR requests + £10 for each company to see what records they have left if the frontline staff cannot find anything - that would of course only prove if there was PPI in place, not that it was miss-sold.

As Dunstonh says, you cannot make a claim saying your mum did not want it as you cannot prove that so you would have to concentrate on solid provable reasons (e.g. single premium loan PPI or if she was working under 16 hours a week)

chasingfreedom

How do you know that your mum was sold the PPI incorrectly? Maybe she agreed and wanted the PPI if it exists on any of her accounts?

As lots of people on here point out you can't just claim PPI because it is now so easy. It is only supposed to be claimed if you were mis sold PPI in some way. If you try and claim for your mums bills I'm pretty sure you'll struggle (of course I could be wrong) because you can't prove whether she voluntary took the PPI or not and whether she would want to complain about it.

I think most companies would straight away ask the first two questions I put. If you have time on your hands of course you won't lose anything by giving it a go and seeing what happens.