PPI (joint mortgage) claim partner deceased 2015

Aloma

My husband and I had a joint mortgage with Barclays Bank for a few years and then two mortgages, (on our old house and then an additional one when we moved in 2004). I put in a PPI claim recently but have been told that I can only claim from PPI the date of my husband's death on 19 August 2015 as the mortgages were in our joint names until that date? How on earth can I make my claim for the previous years? The company I contacted, Fast Track Reclaim say I would need to contact the Financial Ombudsman, this is all very distressing...

dunstonh

I put in a PPI claim recently but have been told that I can only claim from PPI the date of my husband's death on 19 August 2015 as the mortgages were in our joint names until that date?

That is not right unless the PPI was in his sole name. A not uncommon scenario with joint mortgages is to have the PPI set up on the main earner. In that case, the executor of the estate can make the complaint. if you were the executor then you need to make them aware of this. If you were not, then you need to request the executor of the estate makes the complaint.

1 - Did you have PPI? (not life assurance or other insurance - some people do get life assurance mixed up with PPI - it is not)
2 - was the PPi joint or single cover (dont assume by the mortgage being joint)

The company I contacted, Fast Track Reclaim say I would need to contact the Financial Ombudsman,

Better to get it sorted before you refer it to the FOS if you can as it would just hold things up.

Aloma

The PPIs would have all been in our joint names, the first being Barclays, the second and third mortgages were with Britannia Building Society, I have been told by Fast Track Reclaim that they can only deal with joint claims with my dead husband's signature, I found this incredible.
I put the claim in with my name, as although £440 in the bank when he passed away.
Fast Track Reclaim said they are legally unable to deal with this and I can only claim in my sole name from the date the mortgage transferred into my name. It is definitely PPI, an annual letter came through the door updating me recently and it must have been paid as part of the mortgage payment because it doesn't show up separately. Thanks for your prompt reply, I really appreciate this. I will see if I can find original documents to check for joint or single cover, but I am sure it would have been joint. Thank You

Aloma

sorry, this laptop caused a problem in the second paragraph, I am the sole executor due to my husband's lack of assets and funds he only had £440 in his current account when he passed away and no items of value. Should I have put the claim in with both our names on the form and a note that he was deceased?

dunstonh

I have been told by Fast Track Reclaim that they can only deal with joint claims with my dead husband's signature, I found this incredible.

Had the bank written to you and said that or is it just the claims company telling you?

Fast Track Reclaim said they are legally unable to deal with this and I can only claim in my sole name from the date the mortgage transferred into my name.

The claims company are giving you duff information. Go direct to the banks and make a complaint. its quicker and easier.

lisawood78

And cheaper

-taff

And cancel your contract with the company.

Aloma

Thank you so much, Ihave e-mailed them to cancel the contract

amersall

Get the response from the company to say they no longer have an interest in this claim before you go it alone, otherwise they will still bill you if you win mis sell.
Let the bank know you are doing the claim and not a third party so they will not deal with a claims co.

[Deleted User]

Aloma wrote: »

Thank you so much, Ihave e-mailed them to cancel the contract

I'd do this in writing, if I were you, and wait for their response as Amersall suggests before proceeding further.