Can I claim PPI for my deceased parents?

kristeen

I know this question has been asked before, but my situation is slightly different. Both my parents are now deceased, my mother 18 years ago and my father six months ago. They had extensive loans and credit cards which I know they paid PPI on for many years, but were then made bankrupt. If there were a valid PPI claim, would I be able to make it on their behalf, and would it be affected by their bankruptcy about 20 years ago? My father wanted to make a claim when he was alive, but was so ill and developed dementia that it wasn't possible. Both died without making wills, and my dad's estate was nominal at the time of his death. Thank you in advance for any help or advice you might be able to give me.

Nasqueron

Any PPI reclaim covering products pre-bankruptcy belongs to the receiver so you wouldn't get a penny.

Anything post that yes you could but you are limited in your scope for complaint - you cannot say they were pressured into it or make any allegations based on what they were told where you were not present. You would need to prove you had probate to do so

dunstonh

They had extensive loans and credit cards which I know they paid PPI on for many years, but were then made bankrupt.

Bankruptcy is a line in the sand. Anything paid before that line and is refunded is a pre-bankruptcy asset. Only premiums paid after bankruptcy are potentially refundable on a successful complaint.

Also, if any of the policies paid out (such as on death to clear the debt) then then that amount would be taken into consideration as well and deducted from any potential redress.

It is still possible for the executor of each estate to make a complaint on both parties (it would be two complaints). There doesnt seem much point with your mother considering she was bankrupt prior to death. Your father is still a possibility although your complaint reasons do need to be stronger and factual. You cant say they didnt want it or make allegations of what may have been said at point of sale. The complaint needs to focus on whether they were eligible and/or (if its an advised case) whether it was suitable.