PPI Advice needed - Claiming for deceased (also a company involved)

ME!

Hello, so long story short im in the middle of claims for my late father. I originally got a company involved who have quite frankly been rubbish! They closed the case on RBS so I pursued it myself I have today had a letter back offering around 10k over a few loans.

I have previously told the company that if anything comes of the claim I will take it further as not to give them 30% for doing sod all.

Where do I stand with this please?. There is myself and 2 other beneficiaries involved however I hold the grant of probate.

Also from the same bank yesterday I had a letter saying as the credit card held by them paid out on death that there is no PPI to be claimed as its now in minus balance of premium paid.. but I still uphold that PPI was mis-sold especially being a credit card I dont know anybody that is aware its added to that!

Thoughts/advice welcome - Thank you

[Deleted User]

If you're already signed up to the company, you'll need to pay them unless there was a cancellation clause.

Sod all is what claims companies do, so it's unfair to blame them for only doing that.

If the policy paid out on death, then that would be deducted from any redress, hence nothing is likely to be payable.

ME!

I get that they have paid out but why are they getting away with mis-selling still?

My problem with paying the company is they were supposed to handle the claims but closed the case on RBS stating they couldn't get any further. I have got further myself so surly you can understand I dont want to pay them 30% for doing nothing for it? When I have done the leg work.. where is our protection in that instance?

[Deleted User]

They're not getting away with mis selling. If you want to be put in the position of the policy not being sold, you need to return the payout. You cannot have the benefit from a policy that should not have existed.

Then you could make a complaint about mis selling, and if upheld, pay them the difference between the premiums paid and the benefit received.

Re the claims company - they sell stamps. Nothing more, nothing less. They cannot do any work for you, as only you have the information the lender needs for your complaint.

However, if they have closed the case, then you should be ok to proceed. Check the exact wording of the contract.

Nasqueron

ME! wrote: »

Hello, so long story short im in the middle of claims for my late father. I originally got a company involved who have quite frankly been rubbish! They closed the case on RBS so I pursued it myself I have today had a letter back offering around 10k over a few loans.

Yes they are all rubbish. If you have got a letter confirming they are no longer acting for you you might get away with it but if they submitted the case then you will probably get a bill.

ME! wrote: »

I have previously told the company that if anything comes of the claim I will take it further as not to give them 30% for doing sod all.

Depends what the contract says, you cannot just revoke a contract because you feel like it

ME! wrote: »

Where do I stand with this please?. There is myself and 2 other beneficiaries involved however I hold the grant of probate.

If you get a payout, wait for the CMC to send a bill before you spend it.

ME! wrote: »

Also from the same bank yesterday I had a letter saying as the credit card held by them paid out on death that there is no PPI to be claimed as its now in minus balance of premium paid.. but I still uphold that PPI was mis-sold especially being a credit card I dont know anybody that is aware its added to that!

Thoughts/advice welcome - Thank you

If the policy paid out and cleared the balance you aren't entitled to anything else unless the premiums were higher than the deficit. It sounds like they are still technically owed money so the PPI payout was probably less than the balance.

PPI is on every single statement you get. Nobody didn't know they had it unless they ignored their statements (which isn't proof of miss-selling).