Claiming PPI on behalf of deceased parent

littlejen1983

This is following on from a conversation me and my sibling had and we werent sure how to, or even if we could do anything about it

Our father passed away in 2012, with no will. With me being the eldest, after going through probate, we were granted probate.
Now, the question that we have is, as our father had a mortgage, a couple of loans and credit cards, which we settled all of when the estate was settled, can we claim PPI back on these things? if so can we do it through the tool on this site?
any help would be greatly appreciated

[Deleted User]

What's the basis of your complaint about the PPI?

littlejen1983

I think that it was that was whether he was paying it without knowing.
He was pretty stringent with his funds, and knowing that if he was around he would be looking into this, so we felt we would explore this?

[Deleted User]

It would have been on all his statements, so he would have known he was paying it - so that's a fairly weak complaint, especially second hand.

littlejen1983

there is no need to be funny - it was just off the back of a conversation, so thought i would ask advice on this forum - not be spoken to like rubbish

[Deleted User]

Nobody was being funny. I was pointing out that it would have been on his statements, so your complaint reason would be considered weak. I wrongly assumed you were looking for advice.

Are you suggesting he had magic statements that didn't show it?

For the avoidance of doubt, that second line WAS me being funny.

littlejen1983

No, i was just asking for advice, i didn't know it would show on the statements, as I have never looked into this before, hence asking for 'advice' - i was unsure how it all worked.. i didn't know it showed on statements

-taff

It shows on credit cards statements.
However, if he had loans, from banks, then the likliehood is it was single premium and that is a good complaint reason for you to use.
Mortgage cover-wise, he had dependants, so the mortgage cover was likely to be judged not missold.

As to being spoken to like rubbish, this isn't a hand holding forum, most of us just present facts, so if you're not expecting bald information, it can seem like you're being spoken to like that, but believe me, only info is provided.

Nasqueron

littlejen1983 wrote: »

No, i was just asking for advice, i didn't know it would show on the statements, as I have never looked into this before, hence asking for 'advice' - i was unsure how it all worked.. i didn't know it showed on statements

You can't put in a complaint that he didn't know he had it, PPI complaints for the deceased have to be factual and provable not unprovable allegations (that is to say, you don't know he didn't know he had it).

Any credit card PPI would be shown on every statement where there was a balance (not paid off in full every month). If your father was good with money then would he have paid them off in full rather than paying interest? If so he would never have paid any PPI even if he had it

PPI on loans would be on the initial agreement but can be miss-sold e.g. single premium where PPI was included in the loan meaning you paid interest on that too but you'd need to establish if this was the case

MPPI on the mortgage is rarely miss-sold, it would be a separate monthly direct debit in the vast majority of cases and it's highly likely he would have wanted it as it would save his home if he lost his job or was unable to work for whatever reason

Each one you'd need to ring or write to the lender and ask them if there was any or look through his paperwork

Condolences for your loss

dunstonh

The executor of the estate can make a complaint on behalf of the deceased. However, there are limitations....

I think that it was that was whether he was paying it without knowing.

An executor of the estate is not in a position to state that. They do not know what conversations took place between him and the seller. They do not know what he thought or knew. The complaint has to focus on factual things. Such as eligibility or suitability or a factual failure in the product.

amersall

You repaid debts that the PPI may have covered when your Father died, if there was PPI.
Contact the institutions and ask, I assume you still have the paperwork?.