PPI query for recently deceased mum

Damian_Thomas

Hi. Last week I received a letter from a building society stating that my mum (widowed) who had passed away 3 weeks prior is to receive a 4 digit repayment regarding arrears management fees relating to her mortgage account. The mortgage account was closed in 2017. The repayment is due to a FSA ruling. The repayment will go to my mum's estate. Whilst settling my mum's affairs I have discovered that she had a Capital One credit card which was cleared and a Vanquis credit card with an outstanding 4 digit balance. Furthermore, my mum had a re-mortgage loan from Prestige Finance with a 4 digit outstanding balance. To date, as my mum's personal representative I have informed all of the mentioned providers of my mum's passing. I have spoken to Vanquis regarding a FSA ruling regarding their ROPs, but they will not share any information with me. Only last week I received correpondence addressed to my mum containing PPI claim forms which she had personally requested before she died. Now the query...can a personal reprentative acting for the deceased' s estate make PPI claims? I have already been shocked at how my mum was treated by the Halifax. I hope to clear any outstanding loans, but equally I want to ensure that if my mum had been mis-sold any policy or insurance linked to either the 2 mortgages or 2 credit cards that her estate receives anything that may be rightfully owed to her. Would welcome advice on next step, if any? Thank-you.

dunstonh

Sorry for your loss.

Now the query...can a personal reprentative acting for the deceased' s estate make PPI claims?

Yes. However, there are limitations. The complaint cannot contain any allegations of what may or may not have been said. They were not party to any conversations and cannot make false allegations. You have to stick to factual reasons. Such as eligibility, illnesses that may have been an issue etc.

I want to ensure that if my mum had been mis-sold any policy or insurance linked to either the 2 mortgages or 2 credit cards that her estate receives anything that may be rightfully owed to her.

Do be aware that most people take out insurances to cover their mortgage and it is not considered wrong to do so. This includes MPPI. A product that can still be bought today and most MPPI complaints fail.