Can I clim my deceased fathers ppi?

Bryand23

Hi, I'm just using this forum to see if I can get any help on this matter as a bit unsure on certain aspects after reading several different posts.

My father passed away 5 years ago and he had managed to build up quite a large amount of debt through loans and credit cards. When he passed away all debts was paid off through the money in the estate.

I just wanted some clarification from someone who can hopefully help out. Due to the debt being paid off, and if there is any PPI claims that are successful, will they go to the executor (myself) or will it be swallowed up into other parties?
And also if the loans are with several different companies would I need to claim through each party or is there a way or merging them all into one??

I know there's a few questions but if anyone could help I'll be really grateful.

[Deleted User]

As his executor, you can certainly make posthumous PPI mis-selling complaints on behalf of your late father. The main problem will be that you will be limited in the type of complaint you can make. Do you have any verifiable evidence that he was mis-sold? In addition, five years after his death, the Banks may no longer have full records of his finance.

If the remaining debt was completely satisfied by the Estate then there should not be anything to off set against any redress should it be awarded.


You'll have to make individual complaints to each financial institution.

Bryand23

Thank you,
In regards to the proving, obviously it's near on impossible to do. What sort of reasons would be needed, I know he was in and out of work prior to debts massing up, but the loans and credit cards could of been taken out whilst working

[Deleted User]

Bryand23 wrote: »

What sort of reasons would be needed, I know he was in and out of work prior to debts massing up, but the loans and credit cards could of been taken out whilst working

You need to be able to show he had no need of the insurance or that he somehow would never have been able to make a claim on it.

amersall

Had you sent all creditors a copy of the death certificate, were there any PPI, then the debt should have been cleared with this if he had life cover.

Contact the banks and ask if these debts can be found, if he had life cover on these accounts then when the debts were settled, surely the bank would have noticed PPI?, but then again maybe not as they got their money anyway.

It is also possible that there was no PPI.

Insider101

Bryand23 wrote: »

Hi, I'm just using this forum to see if I can get any help on this matter as a bit unsure on certain aspects after reading several different posts.

My father passed away 5 years ago and he had managed to build up quite a large amount of debt through loans and credit cards. When he passed away all debts was paid off through the money in the estate.

I just wanted some clarification from someone who can hopefully help out. Due to the debt being paid off, and if there is any PPI claims that are successful, will they go to the executor (myself) or will it be swallowed up into other parties?
And also if the loans are with several different companies would I need to claim through each party or is there a way or merging them all into one??

I know there's a few questions but if anyone could help I'll be really grateful.

Neither you nor anyone else can just "claim" PPI because you feel like it. It is a complaints process and whilst it is legally possible for an executor to put in a complaint on behalf of the estate, you would need to be able to show that he was misled at the point of sale and wouldn't have taken the product otherwise. You would be making an allegation of wrongdoing against an individual company so no of course you can't just "merge them into one".

Bryand23

Thank you for the observant reply but let me just clarify a point.

When I say claim I mean make a complaint as we believe there we're several reasons he was either Mis-sold or Mis-informed the PPI but I am not going to make that public.

societys_child

as we believe there we're several reasons he was either Mis-sold or Mis-informed

You'd need to provide evidence.

dunstonh

I think the point being made is that when complaining on behalf of a deceased person, you have to use factual reasons (eligibility etc) and cant use unprovable allegations (i.e. he said/she said) as you were not party to conversations.

[Deleted User]

Bryand23 wrote: »

I am not going to make that public.

Posting about it anonymously on an internet forum is hardly making it "public'. Nobody here knows who "Bryan23" is. By refusing to give your reasons, you make it impossible for us to comment on whether they are likely to be upheld or even if they are a valid complaint for you to make as an executor.

Regardless, note that you cannot make any allegations about what may have been said to him at the point of sale. No point telling the bank that you "believe" he was mis-sold, you have to give individual factual reasons that he was mis-sold by each financial institution. Remember also that the circumstances will have been different each time.

addedvaluebob

Bryan, if you think he was mis-sold policies then put in the complaints based on what you believe. You obviously think there are grounds for a claim which could be anything from health to employment status or work benefits. Don't be put off by claims that you need 'evidence' put in the claims to each company and see what happens or send them £10 for a SAR and see if what you think happened is reflected in the paperwork they send you particularly if any of the loans and PPI were provided when he was unemployed.