DEceased partner how to reclain PPI

minceandtatties

My Husband and I have had several loans and HP agreemnets since we married in mid 1970s.
My husband signed most of the agreements but has died in 2009.
I now have no details of these multiple agreements. I have applied for my credit score in an attempt to find any loans attributed to me but how can I claim on the multiple agreements signed by my deceased husband?

magpiecottage

You can't "claim" as such. That is what you do if you suffer a misfortune which a policy covers against.

You can complain if a PPI policy was missold to you. However, the Financial Ombudsman Service can only become involved in those cases over which it has jurisdiction. In most cases this only goes back as far as 2005 although some goe back to 2001. If the complaint is against a building society it might go back as far as 1987, a bank to 1986 and an insurance company to about 1983.

However, if it was sold by an independent broker then the complaint is against that broker, not the insurer.

In addition, it is unlikley that there are any surviving records from 40 years ago and if FOS has no jurisdiction you would be reliant on the courts who would allow any complaint from more than 15 years ago to be timebarred.

addedvaluebob

ignore this rubbish. If you obtain details of the loan agreements and want to reclaim payments then use the template letters on this site to start your case.

Yes I know it is technically a complaint and not a claim but that is the name of this forum so ignore the stuff about dates etc. Put the claim in as you are probably the executor of your husbands estate.

Most importantly, don't be dissuaded it can only cost you a few sheets of paper and some stamps

Nasqueron

addedvaluebob wrote: »

ignore this rubbish. If you obtain details of the loan agreements and want to reclaim payments then use the template letters on this site to start your case.

Yes I know it is technically a complaint and not a claim but that is the name of this forum so ignore the stuff about dates etc. Put the claim in as you are probably the executor of your husbands estate.

Most importantly, don't be dissuaded it can only cost you a few sheets of paper and some stamps

How are you proposing someone complains about a policy from up to 40 years ago with no records or proof they actually paid this (OP doesn't indicate if they knew they had PPI at all), let alone proving they were miss-sold - who can remember their situation that long ago? You don't even know the details of the complaint or the reasons for miss-selling

addedvaluebob

The OP married 40 years ago, she doesn't say the loans were that long ago. If she applies for the credit file, she can then evaluate the information and decide if there is anything to claim for.

antrobus

addedvaluebob wrote: »

The OP married 40 years ago, she doesn't say the loans were that long ago. ....

Err, the OP states that "My Husband and I have had several loans and HP agreemnets since we married in mid 1970s" which is "up to 40 years ago".

addedvaluebob wrote: »

....If she applies for the credit file, she can then evaluate the information and decide if there is anything to claim for.

Given that the OP's partner died in 2009, and it is now 2015; almost six years have already passed, and thus the credit file may not contain that much.

Even if it exists. I must admit I don't know. Do CRRs have credit files on people they know are deceased?