Deceased person PPI claim - am I doing this right?

lloyde92

Hi there

Looking to investigate PPI for a deceased relative and see if there's anything owed to the estate. The relative left a long list of lenders he was with but no further details - I just have this list to go off.

This is what my plan is - but wondering if there's another way I should be doing it?

- Write to lenders and check if PPI was sold to my relative.

- If any banks sold him PPI, then I'll write back a complaint letter saying that I feel it was mis-sold. I will not have any evidence to back these complaints up so presume they will likely be rejected.

- If the initial complaint is rejected, then I'll launch a PPI commission complaint (Plevin) - which I think will be a more reliable route to claim compensation?

Any advice would be hugely appreciated. There's a lot of info on claiming PPI for the deceased but none really details what happens if you can't provide evidence it was mis-sold, and then what to do then. Thanks very much.

[Deleted User]

You won't need to 'launch' a Plevin complaint.

This will be looked at if your complaint is rejected.

Presumably you're executor?

lloyde92

Thanks for your response - I did not know Plevin was looked into automatically. And I am the executor yes.

Nasqueron

lloyde92 wrote: »

Hi there

Looking to investigate PPI for a deceased relative and see if there's anything owed to the estate. The relative left a long list of lenders he was with but no further details - I just have this list to go off.

This is what my plan is - but wondering if there's another way I should be doing it?

- Write to lenders and check if PPI was sold to my relative.

- If any banks sold him PPI, then I'll write back a complaint letter saying that I feel it was mis-sold. I will not have any evidence to back these complaints up so presume they will likely be rejected.

- If the initial complaint is rejected, then I'll launch a PPI commission complaint (Plevin) - which I think will be a more reliable route to claim compensation?

Any advice would be hugely appreciated. There's a lot of info on claiming PPI for the deceased but none really details what happens if you can't provide evidence it was mis-sold, and then what to do then. Thanks very much.

Essentially yes, if you are the executor of the estate and have the legal authority to deal with this then you can complain.

Obviously with no evidence or complaint reasons then you would expect either rejection (which will trigger a Plevin case, if applicable) or you might get lucky on auto-pay out. Simply having PPI is not an issue (the deceased may actually have wanted it), there is only an issue if it was miss-sold. There is no "reliable route to compensation", if you were miss-sold or Plevin refund is due, you will get a refund, if not, you won't.

Complaint reasons must be limited to factual things, you cannot claim anything about what was said in the sale if you were not present.

Condolences on your loss

lloyde92

Of course, potential compensation I should say. I generally have no expectation that any will be due, but thought it was worth checking out in case I'm wrong.

Thank you!

[Deleted User]

lloyde92 wrote: »

Thanks for your response - I did not know Plevin was looked into automatically. And I am the executor yes.

Do note that any Plevin refund will only apply to loans and credit cards still active in 2008 or later.

Your main problem will be obtaining any information at all on finance your relative had. If you have no evidence of PPI, then don't expect the bank to have any either unless it is very recent.

dunstonh

Any advice would be hugely appreciated. There's a lot of info on claiming PPI for the deceased but none really details what happens if you can't provide evidence it was mis-sold, and then what to do then. Thanks very much.

As there is nothing wrong with having PPI and you were not present at any of the discussions, you cannot make allegations based on feelings. You have to stick to factual based allegations. i.e. suitability, eligibility etc. You cannot say that he was told this, that or the other as that would be fraud. So, you need to consider the complaint reasons you are going to use.

lloyde92

dunstonh wrote: »

As there is nothing wrong with having PPI and you were not present at any of the discussions, you cannot make allegations based on feelings. You have to stick to factual based allegations. i.e. suitability, eligibility etc. You cannot say that he was told this, that or the other as that would be fraud. So, you need to consider the complaint reasons you are going to use.

Thanks for your response.

I was told that as I have no evidence I can just send a letter with generic reasons "I feel like he wouldn't have known / wasn't suitable" etc - it will likely be rejected from this, and then the "mis-sold commission" investigation stage can begin.

I'm basically just looking to get to this "Plevin" part - but the only way of doing so is to have an initial complaint rejected it seems.

dunstonh

I was told that as I have no evidence I can just send a letter with generic reasons "I feel like he wouldn't have known / wasn't suitable" etc - it will likely be rejected from this, and then the "mis-sold commission" investigation stage can begin.

That will almost certainly fail on the main complaint because you, as the trustee, are not in a position to make that allegation. Whereas if you knew his employer had 6 months full pay and 6 months half pay and the policy was not needed then that is a more solid, factual based reason.

Any rejection will see it move to see if it is elgible under Plevin. The main criteria being that the debt still existed after 2008.