PPI Cheque Received For Late Father

Birdman2015

I received a cheque today from Lloyds for over £5,000 from the PPI department.

He passed away 16 months ago so obviously there was no claim made recently. They had already paid a large amount many years ago so this cheque was a surprise.

Do the banks pay out these sums without claims being made? I assumed that you had to chase this to get payments.

welshgasman

They are reviewing previous cases and your late father's appears to be one of them.
Now the fun starts. You will need to contact them to advise of his death and then likely have to provide a copy of the death certificate, and his will, or evidence that he died intestate.

Good luck with it.

Birdman2015

He did have the same name as me so I could in theory, bank the cheque into my own account.

Would that be ok to do? After all, the name that is on the cheque would be exactly the same as any replacement one.

welshgasman

No, that would not be OK to do. :shocked:

What if he left all his money to your sister/charity or anyone else, or even shared shared it between any relatives you have.

Obviously if you have the same name, then you could deposit the cheque into your account, but it would still be fraud.

It should go to his estate and any beneficiaries of that estate.

Up to you really.

Birdman2015

As I say "in theory" I could.

However, I was the executor and the only beneficiary of his estate, there were no other children or surviving family so it's not as if I would be depriving anyone of anything they are due,

welshgasman

Birdman2015 wrote: »

As I say "in theory" I could.

However, I was the executor and the only beneficiary of his estate, there were no other children or surviving family so it's not as if I would be depriving anyone of anything they are due,

If that is the case, even I do not see the point of jumping through hoops to get the money paid in your name. When my mother died I was the executor and I'd also been looking after her accounts with Lloyds prior to her death, and I paid the funeral expenses etc.
When I informed Lloyds, they froze the account until all the relevant paperwork was received by them, which would have delayed paying all those funeral bills if I had told them up front.

Plus if it ever gets discovered you have the paperwork to back up the deposit.

jellie

welshgasman wrote: »

When I informed Lloyds, they froze the account until all the relevant paperwork was received by them, which would have delayed paying all those funeral bills if I had told them up front.

I know it's nothing to do with the PPI query, but Lloyds would have paid the funeral expenses from the frozen account, direct to the funeral directors.

welshgasman

jellie wrote: »

I know it's nothing to do with the PPI query, but Lloyds would have paid the funeral expenses from the frozen account, direct to the funeral directors.

TBH I would not want them paying anything without the trustee consent. What happens if the funeral director overcharged, made a mistake etc.

We had to pay for transport from Milton Keynes to Swansea, as she died whilst staying with my sister, so there was a fair bit extra to pay.

If the case is that they would not pay without the Trustee instruction/consent, then why cannot the Trustee just pay it.? Just an added complication I believe?

Their processes are inflexible.

I am a treasurer for a charity that banks with Lloyds. the Royal British Legion also bank with them. I refunded some funds to the RBL, who later informed me that they had not received them.
I knew I had refunded to the correct account as I had the details saved online and had made successful refunds to the RBL before using these details and they had not changed.

I approached Lloyds for confirmation that the RBL had received the funds and so could confirm this to them, that they had received the funds, but they would not tell me due to the 'Data Protection Act'.

So there I was with no proof the payment had been received by the RBL, and them still demanding payment.

It was only when a branch staff member took pity on me and stated 'I cannot confirm that they have received the funds, but I would advise you to go back to them and ask that they look a little harder'

antrobus

welshgasman wrote: »

TBH I would not want them paying anything without the trustee consent. What happens if the funeral director overcharged, made a mistake etc.....

Banks will pay funeral expenses prior to probate when presented with a death certificate and an invoice from the funeral director. Obviously, it would be your foxin responsibility to check that invoice before handing it over to the bank.

welshgasman wrote: »

...If the case is that they would not pay without the Trustee instruction/consent, then why cannot the Trustee just pay it.? Just an added complication I believe?

Their processes are inflexible........

An executor has no authority over the deceased's assets until they've got probate. It's a matter of law, and has nothing to with any bank's "processes".

welshgasman wrote: »

...I approached Lloyds for confirmation that the RBL had received the funds and so could confirm this to them, that they had received the funds, but they would not tell me due to the 'Data Protection Act'.....

Of course not. You have no business asking a bank for information regarding someone else's account.

magpiecottage

welshgasman wrote: »

I approached Lloyds for confirmation that the RBL had received the funds and so could confirm this to them, that they had received the funds, but they would not tell me due to the 'Data Protection Act'.

Interesting. The Data Protection Act protects the personal data of any natural living person.

As far as I am aware, the Royal British Legion does not fit that definition.

Mojisola

welshgasman wrote: »

I am a treasurer for a charity that banks with Lloyds.

I approached Lloyds for confirmation that the RBL had received the funds and so could confirm this to them, that they had received the funds, but they would not tell me due to the 'Data Protection Act'.

magpiecottage wrote: »

Interesting. The Data Protection Act protects the personal data of any natural living person.

As far as I am aware, the Royal British Legion does not fit that definition.

My OH is a treasurer for a small charity. He would be very annoyed if the bank had given out information about the charity account to someone who turned up in a branch and asked!