Is it true I can reclaim dead fathers PPI

jellie

Dave100h wrote: »

if something is not needed then it should not be sold

To be pedantic, Tesco often sell me things which I don't actually need (chocolate, alcohol).

The problem is when someone was told they had to take out a PPI policy, when this wasn't true.

dunstonh

The problem is when someone was told they had to take out a PPI policy, when this wasn't true.

Although that is also one of the weakest complaint reasons going (rarely does evidence point towards that happening). Plus, it is not a reason that can be used in a complaint by the executor as the executor was not present during the conversation.

magpiecottage

[QUOTE=jellie;70578609
The problem is when someone was told they had to take out a PPI policy, when this wasn't true.[/QUOTE]No - the problem is if what they were sold was unsuitable.

Chocolate/alcohol may not be necessary but they are not normally unsuitable. (Alcohol would obviously be for a child).

The concern I would have is if a policy was sold to a person of 59 only covered them to age 60. If so then suitability would seem dubious.

dunstonh

Reading post #3, he had not worked since age 59 and died at age 83 three years ago. So, we are looking at the records of a deceased person from nearly 30 years ago. It puts us into the 1980s at the very latest.

PPI was a mid 80s product. So, there was probably only a window of a couple of years for him to have bought a product with PPI on it. Even if he did, the records from 30 years ago are likely to be non-existent or limited at best. Even for people still alive, records from that period are light. However, the OP says they have records. So, it should be easy to see if it is on there.

[Deleted User]

Dave100h_EARLIER wrote: »

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

Dave100h_LATER wrote: »

I believe as my father was self employed from the age of 59, the PPI that was included would have been of little use

So which is it, Dave100h?

Did your father retire at 59 or become self-employed?

It's entirely possible that the PPI was mis-sold to someone already retired, it's certainly been heard of.

However, the most likely scenario is that it was sold decades back. So as I said at the outset, success with this depends on the availability of the RELEVANT records and an accurate ( and non contradictory) description of your father's circumstances ...