PPI for late father

malka

Hi everyone I want to put in a Resolver form for my late father but its not clear how to fill it in, if you are doing it for someone who is deceased. Any advice?
Also it looks like he was sold a number of PPI policies by one bank alone do I have to put in seperate applications for each PPI on Resolver?
Is it best to do it through Resolver or should I just approach the Bank, even though I don't fully trust them to be honest? HELP.

dunstonh

The executor of the estate has the legal right to raise a complaint on behalf of the estate. are you the executor?

Resolver is not geared for deceased policyholders. Probably as they cannot sell that data on as the person is deceased. You should do it the normal way.

Is it best to do it through Resolver or should I just approach the Bank, even though I don't fully trust them to be honest?

I don't understand that. All resolver does is end a template of what you have input to the bank. The same staff at the bank deal with the complaint whether it is phoned in, emailed, written, faxed, resolver or other third party marketing tool. So, method of delivery does not change the outcome.

A PPI complaint for a deceased person is fairly easy as there are fewer things you can complain about. You cant make allegations of what may or may not have been said or done as you were not present at those and such allegations would be fraud. So, your complaint must be sticking to factual complaint reasons and these are the easiest types of complaint. So, giving the reasons you feel he was not eligible or why it was unsuitable would be very straightforward.

The bank may ask for the death certificate, probate and Will. It varies with each. Any award should be distributed in accordance of the Will if there was one.

malka

thanks ever so much for the advice I am new to all this.

I am the Executor and not the beneficiary and feel its my legal duty to do this.


I guess the reason why I said I didn't trust the banks as it was them who sold it to my father in the first place.
Friends told me to do Resolver as they would help me along the way is that right? that they would prompt the bank if they didn't respond and then take it further.
I feel overwhelmed with all this to be honest

[Deleted User]

malka wrote: »

Friends told me to do Resolver as they would help me along the way is that right?

No. The only additional benefit of Resolver is you have someone to blame when they lose your documents or fail to pass it on to the lender.

Just go direct.

Paul_DNAP

Yes, you should easily be able to do it directly yourself, and if they do start playing up (which they tend not to do so much anymore now PPI is a widely known scam) then you always have the ombudsman to turn to (hopefully you won't need that).
You will need to contact them as "<yourname> on behalf of the estate of the late <dad> who was the account holder..." and you will also need to include a copy of your appointment as executor of the estate to show you have the authority to deal with the matter.
Good luck, and sorry for your loss.

gingergirl21

I just claimed direct with HSBC for my late Dad. He should never have been sold PPI on a car loan. Just received £2700. I am also now looking into claiming back the 20% basic rate tax deducted on the interest from HMRC. This amount is about £350 and clearly as he has not been with us for 10 years he's not a tax payer. I don't know, however, whether this will come back on his Estate but we shall see.


All the best and I hope you are successful.

dunstonh

Friends told me to do Resolver as they would help me along the way is that right?

No. it is a template and tracking system. No help is provided. Everything goes off to the same place if you did it direct and the bank contact you in the same way and deal with it in the same way.

Resolver is a marketing tool. They take the data that is input and sell it to companies in aggregated form. So, they are not doing it out of love. They are doing it to make money.

malka

thats amazing advice thank you everyone! am really touched.


sorry if I ask obvious questions.
Its Lloyds Bank I went there to asked them to print of the forms for me .... its 10 pages and called PPI questionnaire.... will take me few days at least.

Also they said I have to fill in a seperate one for each claim is that right?

dunstonh

Also they said I have to fill in a seperate one for each claim is that right?

In most cases you dont need to. However, if there are differences with each, then you can list the differences on supplementary pages (add a sheet of A4 of your own).

The FCA say that people can complain by any means possible. It is information that matters. Not the form it is on.

[Deleted User]

malka wrote: »

Also they said I have to fill in a seperate one for each claim is that right?

Although it's not compulsory, I'd do as the Bank have requested and fill in a separate form for each individual complaint. You can easily just duplicate the forms and change only the account numbers etc.

malka

thanks everyone you've been really helpful