Claiming ppi for deceased

Labsuper

I also worked for a large company and also had six months of sick pay. I took out PPI and it paid out when I was made redundant and covered my mortgage. I paid in 4k to the policy over the years and it returned 10k+ when the worst happened.

Having PPI is not necessarily a bad thing.

bettydaviseyes

I agree Labsuper - PPI isn't a bad thing. If you specifically chose to take out a policy then you can rightly claim on it. However, a large number of people in the 1990s/early 2000s were automatically given PPI and back then people were not aware they were paying for it.

Labsuper

bettydaviseyes wrote: »

I agree Labsuper - PPI isn't a bad thing. If you specifically chose to take out a policy then you can rightly claim on it. However, a large number of people in the 1990s/early 2000s were automatically given PPI and back then people were not aware they were paying for it.

I was replying/commenting on your specific reason for claiming missold PPI as in all honesty it's not a strong one.

bettydaviseyes

I wasn't getting at you Labsuper just agreeing with you. However, I hadn't realised that your comment was actually a veiled reference to not having a strong case. Would have appreciated you saying so directly in the first instance but thanks for taking the time to clarify.

[Deleted User]

bettydaviseyes wrote: »

I agree Labsuper - PPI isn't a bad thing.

Unfortunately, it was a bad thing for many people. It was expensive and often gave a poor return if claimed upon.

bettydaviseyes wrote: »

a large number of people in the 1990s/early 2000s were automatically given PPI and back then people were not aware they were paying for it.

This is a myth sponsored by Claim Companies. While many many PPI policies were mis-sold to people, it was not routinely added without the full knowledge and permission of the customer. The PPI mis-selling scandal was that it was often (mis)sold to people who didn't need the policies or even people who would never have been able claim.

Realise the above and you may well still be able to make a complaint about your husband's PPI, but only if you can show for certain that he had a policy and that it was not suitable.

bettydaviseyes

Moneyinep... I respectfully suggest you take a look at what the founder and chairman says about PPI - as I see it he's not saying it's a "myth sponsored by claim companies". I found his article non judgemental and encouraging. As I said in my earlier post, i am fully aware that proving my husband had PPI which he wasn't aware of or in need of is a different matter, however there's no harm in asking.

IrishCloverleaf

Bottom line is this...If you were not there at the time of the policy being sold, it is extremely difficult to give a credible testimony in your correspondence.

I agree...a lot of people did not know they were sold the policy. But a lot of customers would have been given the terms and conditions and just can't remember taking out the insurance. With that in mind, there was a lot of pressure on sales staff to sell PPI to hit targets in branches. More often than not in the earlier days, the policy was already on the application, and the customer was expected to opt out of the PPI by ticking a box...

IrishCloverleaf

You also mentioned your husband had no need for the PPI...why?

-taff

Post 7......

[Deleted User]

bettydaviseyes wrote: »

I respectfully suggest you take a look at what the founder and chairman says about PPI - as I see it he's not saying it's a "myth sponsored by claim companies". I found his article non judgemental and encouraging.

Martin Lewis sold this site some time back, I'm afraid and his article about PPI has been altered and edited by several other MSE employees since that time. Regardless, I can't see anywhere in the article where it explicitly states that PPI was added covertly. One thing the article does stress, though, is that it's a complete waste of money employing "PPI people" to handle your complaint. The complaint process is simple and free, so why pay fully a third of any redress (plus VAT) for a firm to put a stamp on the envelope containing your complaint?

As I said, it's rare for Banks to uphold complaints on the basis that it was added without the knowledge and permission of the customer because it's an unprovable allegation. Claim Companies use the tagline "you may not know you had it" to encourage those who have forgotten they had PPI (or simply never checked statements, agreements or other documentation) to sign up with them. They also suggest that the PPI might have been "hidden" in the interest payments, which again is not true.

If you hope to have any success with a complaint on behalf of a deceased person, you have to concentrate on very factual reasons like eligibility and suitability. First you'll need to establish if there was any PPI, of course, but complain that the PPI was added without his knowledge and you'll only be refunded if the Bank find other things wrong with the sale.

In your earlier complaints your claim company may well have told the Bank that you were unaware of your PPI, but that will not have been the reason that the complaints were upheld.