Claiming ppi for deceased

Nasqueron

bettydaviseyes wrote: »

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.

Think logically about this. A credit card PPI policy appears EVERY MONTH as a line on the bill stating how much you were charged. Do you honestly believe firms would add PPI policies behind the customer's back given that they know the charge will appear on the bill and the customer would then call up to query it? This sort of fraud would be found out in a matter of weeks and banks prosecuted for doing so.

PPI was undoubtedly miss-sold for a variety of reasons but it was NEVER added to people's accounts without their knowledge, if people didn't remember or didn't read what they are signing, that's one thing but doesn't mean it was added by fraud.

Silvertabby

Nasqueron wrote: »

Think logically about this. A credit card PPI policy appears EVERY MONTH as a line on the bill stating how much you were charged. Do you honestly believe firms would add PPI policies behind the customer's back given that they know the charge will appear on the bill and the customer would then call up to query it? This sort of fraud would be found out in a matter of weeks and banks prosecuted for doing so.

PPI was undoubtedly miss-sold for a variety of reasons but it was NEVER added to people's accounts without their knowledge, if people didn't remember or didn't read what they are signing, that's one thing but doesn't mean it was added by fraud.

I have to dispute that. Some years ago, my M&S chargecard was replaced by a credit card. Not at my request, just a standard update of their financial services.

So, bearing in mind that I never asked for PPI, never signed anything and always paid off my bill in full every month, a £2 something debit for PPI appeared on my statement.

I rang M&S to say that I had never asked for this - and was told that it had been automatically added to the new cards as it was in the customer's best interests.

The more I said I didn't need/want it, the more she went into her spiel about the 'benefits'. I asked her if I would definitely benefit from this, and she said yes - if I lost my job and had no income I could claim on the policy. Even if I still had the income from my Armed Forces pension, asked I. Err, no, she said - only if I had no income.

I got my £2 back.

Nasqueron

Silvertabby wrote: »

I have to dispute that. Some years ago, my M&S chargecard was replaced by a credit card. Not at my request, just a standard update of their financial services.

So, bearing in mind that I never asked for PPI, never signed anything and always paid off my bill in full every month, a £2 something debit for PPI appeared on my statement.

I rang M&S to say that I had never asked for this - and was told that it had been automatically added to the new cards as it was in the customer's best interests.

The more I said I didn't need/want it, the more she went into her spiel about the 'benefits'. I asked her if I would definitely benefit from this, and she said yes - if I lost my job and had no income I could claim on the policy. Even if I still had an income from my Armed Forces pension, asked I. Err, no, she said - only if I had no income.

I got my £2 back.

Anecdotes like this aren't proof of anything I'm afraid, your post is also incorrect.

PPI was charged based on your balance (typically around 70-80p per £100 of debt). If you paid off the balance in full every month you can have PPI but never pay it because there is no balance to cover in case you can't pay. This was not PPI, it was some other policy maybe CPP or similar.

Also as I said, if the banks DID secretly add PPI to accounts, you have just proved what I said - people question charges on their account and the scam would immediately be found out.

Silvertabby

Nasqueron wrote: »

Anecdotes like this aren't proof of anything I'm afraid, your post is also incorrect.

PPI was charged based on your balance (typically around 70-80p per £100 of debt). If you paid off the balance in full every month you can have PPI but never pay it because there is no balance to cover in case you can't pay. This was not PPI, it was some other policy maybe CPP or similar.

Also as I said, if the banks DID secretly add PPI to accounts, you have just proved what I said - people question charges on their account and the scam would immediately be found out.

Whatever it was, this £2 something was a % of the amount due as at the date the statement was issued (how did they know that I would pay it off in full?) and the woman I spoke to did say that the 'policy' would pay out if I was unemployed with zero income.

I haven't gone doo-lally yet!

Nasqueron

Silvertabby wrote: »

Whatever it was, this £2 something was a % of the amount due as at the date the statement was issued (how did they know that I would pay it off in full?) and the woman I spoke to did say that the 'policy' would pay out if I was unemployed with zero income.

I haven't gone doo-lally yet!

PPI was charged if you carried an outstanding balance, if you paid off in full then there was no balance to charge PPI on, so the next month would be £0. I'm not saying you weren't charged something, I'm saying whatever you had it either wasn't PPI or it was something you agreed to without realising when you got the card. Again, think logically, if they put the policy on everyone without their permission, as soon as the first charge came in people like you notice and complain and remove it. A massive fine and prosecution for the bank to charge a couple of quid a month - you really think they'd risk it for that sort of money?

Silvertabby

Nasqueron wrote: »

PPI was charged if you carried an outstanding balance, if you paid off in full then there was no balance to charge PPI on, so the next month would be £0. I'm not saying you weren't charged something, I'm saying whatever you had it either wasn't PPI or it was something you agreed to without realising when you got the card. Again, think logically, if they put the policy on everyone without their permission, as soon as the first charge came in people like you notice and complain and remove it. A massive fine and prosecution for the bank to charge a couple of quid a month - you really think they'd risk it for that sort of money?

I hear what you are saying, but this did happen. I've always worked in finance, of some description, so not a lot slips past me. I didn't apply for the new card - it was an automatic replacement for my old chargecard, so I know I didn't miss ticking (or unticking) a box.

As for 'most' people noticing a spurious charge on their credit card statements - again, I beg to differ! How many times have we read 'complaints' on these boards from people who have been paying 'unnecessary' direct debits etc for years? And for those of us who did notice - just deal with it when we phone to complain (preferably by convincing us to officially sign up to the policy?)

[Deleted User]

Silvertabby wrote: »

As for 'most' people noticing a spurious charge on their credit card statements - again, I beg to differ! How many times have we read 'complaints' on these boards from people who have been paying 'unnecessary' direct debits etc for years?

But those "unnecessary " Direct Debits aren't set up fraudulently. Those customers just forget to cancel them. A very different scenario.

Again, PPI was not routinely added without the knowledge and permission of the customer. It would only be those who failed to read what they were signing and subsequently never checked statements, agreements or other financial documentation who would think this.

Your £2 a month payment was not PPI, it's too small a sum to have been anything other than useless "protection" against theft or loss of your credit card. It certainly wouldn't have been a policy covering possible unemployment, whatever you say you were told.

I'm therefore not surprised you received your £2 back, they'd refund this immediately rather than risk the Ombudsman fee.

All of this has very little to do with complaining on behalf of a deceased person by the way...