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PPI for late father

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  • malka
    malka Posts: 25 Forumite
    Fifth Anniversary Combo Breaker
    dunstonh wrote: »
    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.


    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.




    Hello am just following your advice and writing to Lloyds you mentioned I should give reasons why he was not eligible or it was unsuitable ... do you have advice what I should say there please? these loans appear to have been takne in the 80's and 90's
  • malka
    malka Posts: 25 Forumite
    Fifth Anniversary Combo Breaker
    Paul_DNAP wrote: »
    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.


    Hi am beginning to write the letter to Lloyds and have started as you said, is there anything else I should add in the letter or a way to phrase it please as the Executor?
  • Paul_DNAP
    Paul_DNAP Posts: 751 Forumite
    500 Posts Second Anniversary Photogenic Rampant Recycler
    malka wrote: »
    Hi am beginning to write the letter to Lloyds and have started as you said, is there anything else I should add in the letter or a way to phrase it please as the Executor?


    I'd say everything else can be pretty much as per guides/templates available for PPI letters, it's just you need to be clear up at the top that you're not the account holder but the executor of his estate.
    (Although I could be wrong, I often am.)
  • Nasqueron
    Nasqueron Posts: 10,732 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    malka wrote: »
    Hello am just following your advice and writing to Lloyds you mentioned I should give reasons why he was not eligible or it was unsuitable ... do you have advice what I should say there please? these loans appear to have been takne in the 80's and 90's

    Yes - you should give reasons why he was not eligible or it was not suitable.

    Nobody here can tell you what to write as we don't know his circumstances and whether things were unsuitable or not.

    If he had £1m in the bank or if he worked for the NHS with great sickness benefits for example, then PPI would be of limited use but you would have to evidence this.

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    Paul_DNAP wrote: »
    I'd say everything else can be pretty much as per guides/templates available for PPI letters
    Agreed, but the OP must also be careful (if using templates) not to make unfounded allegations about what was said at point of sale. The complaint must be very factual and contain no "hearsay"
  • malka
    malka Posts: 25 Forumite
    Fifth Anniversary Combo Breaker
    thanks ever so much! are there any particular templates you would recommend please?
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    malka wrote: »
    are there any particular templates you would recommend please?
    No.
    Just write your own complaint detailing in what way the PPI was of no benefit to your father.

    Template letters are impersonal and may even harm the complaint if reasons are given which do not apply.

    Remember you cannot make accusations about what may (or may not) have been said at point of sale.
  • malka
    malka Posts: 25 Forumite
    Fifth Anniversary Combo Breaker
    thanks for all the advice really appreciate it.
    will give it go, I can see from the paper work he was sold PPI I just don't know why.



    thanks again
  • malka
    malka Posts: 25 Forumite
    Fifth Anniversary Combo Breaker
    Hi everyone you were all so helpful and I'm wading through stuff, just some more questions. Wasn't too sure whether to start a new thread, but here goes!


    1) have discovered that my my late father was sold Life assurance when he took out a mortgage in 1976, (BTW the interest repayment was 13% on the mortgage)
    the mortgage was with the Property owners Building Society which became the Woolwich and then was taken over by Barclays..... so his mortgage was 'owned' by these three different insitutions.
    The group that sold my father the Insurance no longer exists.
    I spoke to the FSC and they say that because this was all before 2005 theres nothing to be done,

    please everyone do advise are the FSC correct?
    what about this life assurance? where did it go?
    what can i do about all this?


    2) I also discovered that even once the Mortgage was paid he was sold some 'Deedstore scheme' whereby he paid Woolwich and then Barclays to hold his title deeds.
    was that right? can I claim?
    It was only when he died and I as the executor tried to find the deeds that the Land registry told me that Barclays still had a claim on the property/mark on the Land registry docs, even though the mortgage had been paid off!!!

    Once I went to the Barclays to get this removed did it all come out.


    what can i do?
  • dunstonh
    dunstonh Posts: 119,712 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hi everyone you were all so helpful and I'm wading through stuff, just some more questions. Wasn't too sure whether to start a new thread, but here goes!

    You should have started a new thread as your topic is not similar or related in any way to this thread.

    1) have discovered that my my late father was sold Life assurance when he took out a mortgage in 1976, (BTW the interest repayment was 13% on the mortgage)

    Most people buy life assurance for their mortgage. Indeed, it was compulsory until the late 90s. Why do you think there is a problem with that?
    please everyone do advise are the FSC correct?

    Yes they are. Its 30 years prior to regulation.
    what about this life assurance? where did it go?

    Probably ended with the mortgage.
    what can i do about all this?

    What do you want to do? you have made a very strange post.
    2) I also discovered that even once the Mortgage was paid he was sold some 'Deedstore scheme' whereby he paid Woolwich and then Barclays to hold his title deeds.
    was that right? can I claim?

    Nobody on the internet is going to know what your father did. So, if you say that is what happened then you know more about it than us. So, we cant say whether its right or not.

    Why do you think you can "claim"?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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