Is it true I can reclaim dead fathers PPI

Dave100h

Hi All

Is is true that I can claim my deceased mother and fathers PPI.
My father died 3 years ago and my mother 6 years ago. Myself and my wife were executors of the will and all loans, credit cards and mortgages were paid off in full from sale of the house.
He held accounts and loans with LoydsTSB who seem to be the biggest culprit.
Any help would be appreciated
Thanks
Dave

[Deleted User]

You can certainly complain on their behalf if you are an executor.

Success depends on whether you (or the Bank) have documentation/records and also the mis-selling reasons you provide which must be factual.

PPI is not somehow "wrong", so in order for it to be refunded, you'll need to show it was somehow mis-sold. Resist the temptation to refer to conversations that may have taken place (you were not present) and concentrate on whether your parents needed the insurance or if they could have actually claimed on it.

The Bank will also require documentary proof of your executor status.

Dave100h

Ok thats great, just wanted to check as I have all the documentation of the debts that were paid when we executed the will. My father had not worked since he was 59 and was 83 when he died so am fairly sure he would not have been covered by any PPI policy and would therefore of not needed it.
I was unsure if we had left it too late as its been 3 years since his death.
Thanks for the info and I will start the ball rolling
Dave

Stevie_Palimo

I'd be very surprised if you could for someone that has passed away as this in theory could open the floodgates to many more cases and if it right or wrong with the miss-selling aspect sure it has to be the individual that took out a policy that would need to claim.

I may be wrong but I do believe that you would have no chance what so ever here of claiming anything back now unless your mother is alive and also had joint accounts with this on at the time of purported miss-selling of said PPI.

[Deleted User]

Stevie_Palimo wrote: »

I'd be very surprised if you could for someone that has passed away as this in theory could open the floodgates to many more cases

Be surprised then, people have often posted of success with PPI complaints of the recently deceased.

Dave100h wrote: »

I was unsure if we had left it too late as its been 3 years since his death.

That could still be a sticking point, but don't let that deter you from trying...

Dave100h

Moneyineptitude wrote: »

Be surprised then, people have often posted of success with PPI complaints of the recently deceased.

Yes I too had heard that it could be done and that is why I asked for confirmation.

Moneyineptitude wrote: »

That could still be a sticking point, but don't let that deter you from trying...

Yes I have all the paperwork and I believe as my father was self employed from the age of 59, the PPI that was included would have been of little use, same reasoning I claimed all mine back on. Indeed I may have missed the baot by leaving it 3 years but I will be trying and I will post the outcome.

Stevie_Palimo

Moneyineptitude wrote: »

Be surprised then, people have often posted of success with PPI complaints of the recently deceased.



That could still be a sticking point, but don't let that deter you from trying...

Never heard of it, This I would certainly hope will be confined to PPI only and hope it does not draw into other areas. More like the good old USA every day with the claim culture and whilst I believe wrong doing should be put right what I detest is the claim for claim sake culture we are getting more of these days.

Dave100h

Stevie_Palimo wrote: »

Never heard of it, This I would certainly hope will be confined to PPI only and hope it does not draw into other areas. More like the good old USA every day with the claim culture and whilst I believe wrong doing should be put right what I detest is the claim for claim sake culture we are getting more of these days.

How is it claim for claims sake, if something is not needed then it should not be sold, These idiots have brought Europe to its knees and need to be held responsible and I hope it does gain momentum and lets take them for what we can. Maybe they wont be so eager to sell unwanted products to boost their super rich salaries in the future then.

Stevie_Palimo

Dave100h wrote: »

How is it claim for claims sake, if something is not needed then it should not be sold, These idiots have brought Europe to its knees and need to be held responsible and I hope it does gain momentum and lets take them for what we can. Maybe they wont be so eager to sell unwanted products to boost their super rich salaries in the future then.

I take you have selective reading skills Dave then as my post is quite clear about getting back what is wrongfully sold but not any whinging claims for the sake of a free lunch.

Dave100h

Stevie_Palimo wrote: »

I take you have selective reading skills Dave then as my post is quite clear about getting back what is wrongfully sold but not any whinging claims for the sake of a free lunch.

My apologies Stevie if I misread your post.

dunstonh

Yes I have all the paperwork and I believe as my father was self employed from the age of 59, the PPI that was included would have been of little use, same reasoning I claimed all mine back on. Indeed I may have missed the baot by leaving it 3 years but I will be trying and I will post the outcome.

mis-sale relates to point of sale. Not later events.

Self employed can be an issue with some types of PPI. Especially loan PPI. It is rarely an issue with MPPI.