Advice on PPI claim for deceased father

Rarchy

I have been reading on this forum and other websites and wanted to ask some advice on the below.

My dad died 5 and a half years ago. He was never the greatest with money and so had a few too many credit cards and other borrowing. I don’t know if he had PPI, but bearing in mind how much borrowing he had I feel there is a large chance he did and if he was still alive I would have helped him to do this, so I would like to check.

Unfortunately my Mum doesn’t have any of the old paperwork, so I wondering if the below would work as it is less than 6 years so I assume his records are still on file (or is it different for deceased)? My Mum would have to do as she is the executor

- Get access to his credit reports by sending relevant documents to the agencies (death certificate, proof she is executor etc) – this is what it says on the Experian website, so hoping it is similar for the other agencies
- Contact the banks/credit card companies with the same documents to get them to do a PPI check and if relevant try to reclaim anything that he would have been able to.

I know we cannot prove he was mis-sold, so my aim was to put in the claim, and if rejected hopefully go down the Plevin route?

Is this possible or is there a major flaw to my plan?

antrobus

Rarchy wrote: »

.....

- Get access to his credit reports by sending relevant documents to the agencies (death certificate, proof she is executor etc) – this is what it says on the Experian website, so hoping it is similar for the other agencies...

CRAs only retain data for six years, Since your father died five and a half years ago, all you will see is the last six months.

Rarchy wrote: »

.,,,
- Contact the banks/credit card companies with the same documents to get them to do a PPI check and if relevant try to reclaim anything that he would have been able to...

The credit report will identify the lenders, you send them a standard PPI complaint.

Rarchy wrote: »

.,,,
I know we cannot prove he was mis-sold, so my aim was to put in the claim, and if rejected hopefully go down the Plevin route?..

If your complaint is rejected Plevin may or may not apply. I believe that lenders automatically consider Plevin.

dunstonh

Plevin only applies to credit agreements that were still in effect in 2008. So, things repaid earlier than that will not qualify for Plevin.

Rejected complaints automatically get checked to see if Plevin applies.

Rarchy

antrobus wrote: »

The credit report will identify the lenders, you send them a standard PPI complaint.

Thats ok, I know we wont have access to every card/loan he ever had, but to be able to check for at least some of it would be nice.

So in terms of the process of getting access to his accounts without account numbers (contacting Credit Agencies and then the banks), this should work?

Thanks all

Nasqueron

Rarchy wrote: »

Thats ok, I know we wont have access to every card/loan he ever had, but to be able to check for at least some of it would be nice.

So in terms of the process of getting access to his accounts without account numbers (contacting Credit Agencies and then the banks), this should work?

Thanks all

CRA don't hold account numbers, only who your finance is with but yes you'd be able to find active accounts from the last 6 years. His bank ought to be able to provide details of old direct debits and standing orders as well which might help though you may need to do a Subject Access Request to get this