Reclaiming PPI on Joint Accs/Loans where former Partner Deceased

NWAD_2

Can anyone advise me if I can reclaim PPI on joint accounts & credit cards held with a former partner who is now deceased. I have all paperwork/we were never married/we have a daughter who received payouts for 3 Insurance policies into an Estate account opened for this purpose then subsequently closed...didn't consider PPI reclaiming at the time.

Many Thanks if Anyone can Advise on this one

Nasqueron

Do you have probate over the deceased partner in order to put in a joint complaint?

NWAD_2

Yes my daughter arranged Probate at the time that her Dad passed away...does that essentially mean that myself & my Daughter could apply for PPI refunds together?

Kind Regards & thanks for your help

Nasqueron

The banks basically will allow you to complain about PPI on a joint account if you are legally allowed to speak on behalf of the deceased so that should be fine to do it together - do remember though that any complaint must be factual as you cannot use hearsay regarding what your partner may have said if you were not there - if you were both at the meeting that would be fine.

I am just speculating but I think the bank would pay any rebate to the joint account holder rather than follow any will.

Do note also that if you did have any debts written off or were in an IVA or bankrupt then the banks can use any refund against old debts meaning you wouldn't see any cash - if that was the case, do not use a Claims Company (don't anyway as they're rubbish but especially don't in this case) as you may get nothing and then the claims company bills you for a cut of any "refund" that was offset. If you didn't have any debt problems then don't worry.

Focus on solid provable reasons as to why you feel you were miss-sold and see what the bank comes back with - a life insurance policy that would pay out on your ex-partner's death that could cover debts is a decent reason but see if it covered critical illness as well as dying to clear bills is not a good thing!