Can I clim my deceased fathers ppi?

Insider101

Bryand23 wrote: »

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.

Fair enough, you just wouldn't believe the number of people who are misled into believing PPI is some magical product that you can automatically have back for the asking.

As Moneyineptitude has said though, nobody can identify you by a forum user name and any advice which is given to you is going to be limited in use if you are not willing to provide some clues as to the grounds you propose to give for complaint.

As regards the thing about giving evidence, you don't necessarily need this to make a PPI complaint. The rules do state that the bank must treat the customer's oral testimony as a form of evidence and must weigh up the reliability of this taking into account other evidence or known facts. However, your problem is that you presumably weren't there when he took out his policies and therefore can hardly give testimony as to what information was given. Hence the comments that you are going to need factual complaint reasons (e.g unemployment at the time of taking them) and preferably documentary evidence to back them up.

[Deleted User]

Insider101 wrote: »

your problem is that you presumably weren't there when he took out his policies and therefore can hardly give testimony as to what information was given. Hence the comments that you are going to need factual complaint reasons (e.g unemployment at the time of taking them) and preferably documentary evidence to back them up.

Exactly, any advice and then attempt to the contrary will just allow the Bank an easy dismissal of the complaint.

Executors complaining on behalf of the deceased cannot simply say they believe their dead relative may have been mis-sold and also certainly cannot introduce verbal evidence of what was said at the point of sale unless they were themselves actually present.

dinkypo

You firstly need to know exact dates the loans cards etc were taken out. Writing to each bank and asking will get you this information. Then you need to work out if your dad was not eligible for PPI during those dates. For example he was unemployed, self-employed,had a recurring illness or anything that meant the insurance company would not have paid out on had your father decided to make a claim.

I don't know your specific reasons but my mum had PPI on a bank loan after having breast cancer. She was on medication for 5 years after the cancer was removed and later found out that she could not have claimed on the insurance anyway as it was stipulated in the agreement that they would not pay out if long-term medication was being taken. But because the loan advisor did not ask her anything about her medical history, she was mis-sold it and got the money back. Hope this helps.

roonaldo

dinkypo wrote: »

Then you need to work out if your dad was not eligible for PPI during those dates. For example he was unemployed, self-employed,had a recurring illness or anything that meant the insurance company would not have paid out on had your father decided to make a claim.
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Self-employment and pre-existing conditions dont make you ineligible for PPI. Self employed people can easily claim for sickness with no issues. Also having a condition doesn't void the policy either.

dunstonh

You firstly need to know exact dates the loans cards etc were taken out.

No you dont. Rough dates are enough.

Then you need to work out if your dad was not eligible for PPI during those dates. For example he was unemployed, self-employed,had a recurring illness or anything that meant the insurance company would not have paid out on had your father decided to make a claim.

Many PPI plans cover self employment. A significant minority do not or have onerous conditions. However, its not automatic that self employment is a valid reason. Same with illness. if the illness is a major one that is likely to make a claim unlikely to be accepted then that is a valid complaint reason. If its a minor ongoing illness (e.g. back complaint) then that is unlikely to be a mis-sale as only that is excluded. Not other things.

Insider101

dunstonh wrote: »

No you dont. Rough dates are enough.



Many PPI plans cover self employment. A significant minority do not or have onerous conditions. However, its not automatic that self employment is a valid reason. Same with illness. if the illness is a major one that is likely to make a claim unlikely to be accepted then that is a valid complaint reason. If its a minor ongoing illness (e.g. back complaint) then that is unlikely to be a mis-sale as only that is excluded. Not other things.

The moral of the story is do your research first. Find out exactly what your policy covered and what your circumstances were at that date, together with what information you were given. A specific and credible complaint is more likely to succeed than one which guesses at key information.