Claiming ppi for deceased

bettydaviseyes

I've been told I can claim ppi for my late husband who passed away 10 years ago. Has anyone successfully claimed on behalf of someone who has died? I've been told to send a certified copy of the grant of probate but I only have the original document. does anyone know how I can get a certified copy without having to go through solicitors again which ppi people would accept

campbell19925

How are you going to prove the policy has been miss-sold?

Answer: you wont be able to.

It's a dead end. Sorry

(unless you were named on the policy then you may be able to claim)

dunstonh

I've been told I can claim ppi for my late husband who passed away 10 years ago.

The executor has the legal status to be able to raise a complaint on behalf of the estate.

Has anyone successfully claimed on behalf of someone who has died?

yes they have. however, there are limitations. You cannot make allegations about hypothetical conversations. It has to stick to factual complaint reasons. e.g. eligibility

Nasqueron

You can certainly complain about the policies, though you do have to be careful in what you allege, e.g. if you were not there at the sale you cannot say he was told he had to have it. If he has been dead 10 years then there is little chance the institutions still hold the data though if you have your own records you can still proceed.

Formulate your complaint, send a copy of probate when they ask for it and see what they say. I wouldn't hold my breath you'd get anywhere though.

Certified copies of things usually need someone like your doctor, MP, a lawyer etc to sign off - ask the lender what they need rather than asking people on here.

bettydaviseyes

Short and to the point Campbell19 - not quite what I was asking but nevertheless thank you.

Thank you dunstonh - thats very helpful

Nasqueron - thank you too, that's helpful although to be clear - I have already asked the ppi people what they need and the ppi people told me they needed a certified copy - hence my asking if I need to go through a solicitor to get a 'certified copy' (I only have the one document which is embossed) I thought the point of this was to share information etc but obviously I was wrong.

-taff

To be clear also, these PPI people? They are definitely the company involved, such as a bank and not a PPI compaints firm? If the latter, don't bother.
And I think Naqueron was making the point that the copy can be certified by other people rather than a solicitor. The Post Office can certify copies in some instances. As the bank who is suitable to certify a copy or who they will accept a certified copy from.

bettydaviseyes

Thankyou Taff - so in theory I could take my original grant of probate to a bank or post office and they will take a copy and sign it?

I've decided not to pursue anything - it's going to be too much of a long shot. Although to be clear, I did my own claim myself afew years ago (not for greed but to check if I was owed anything - and I was.

As it was my late husband who sorted the majority of the money side of things etc I wondered if it would be as easy to see if he had been paying for payment protection for anything he may have taken out. (he worked for a large company with 6 months sick pay etc so wouldn't have knowingly taken any payment protection out). Had I decided to do this on behalf of my husband then 'the PPI people I asked about would have been a claims company)

-taff

There's no reason why you can't persue a complaint.
Loan PPI pre 2009 was mostly single premium and a good complaint reason. Credit card PPI, as you say, he had no need of it. So again, a good complaint reason.
Don't use a PPI complaints firm, all they do is make the same complaint that you would but they charge you upwards of 30% for a stamp. They have no special powers, no legal standing to pursue any complaint. They use exactly the same complaints procedure that you would

Go to the banks websites, download the forms, send them off with a certified copy. And then wait.

-taff

It would be helpful if you had any paperwork left so you can see who you/he had credit with. If you don't know though, it's a shot in the dark to approach any bank that may have been involved and send a SAR....
Again though, there is still no reason not to.

Nasqueron

Also be prepared to prove he had 6 months (full?) sick pay if you are putting that in the complaint, they may ask for evidence of it

bettydaviseyes

Many thanks everyone for your replies. I was only going to pursue capital one. If he did have PPI he certainly wouldn't have known or realised what it was as he didn't need it. Proving it is a different matter I know, but I called capital one and they don't need a certified copy of the grant of probate so, as it's not going to cost me anything, I'm going to put a letter together and see how it goes.

Once again thanks