Resolver form for PPI of a deceased relative?

cherrydvt

Hi all, I wonder if anyone has any advice.

I have been reading on the MSE website that PPI can be reclaimed on behalf of a deceased relative. However, on clicking on the MSE Resolver, the form asks for one person's details only (which I assume should be mine). Is there a specific form for reclaiming PPI on behalf of a deceased relative?

[Deleted User]

Never use Resolver.

Just write directly to the lender, with the necessary documents of authority and mis sale reasons..

[Deleted User]

cherrydvt wrote: »

Is there a specific form for reclaiming PPI on behalf of a deceased relative?

No, there is no such form.
Simply send a letter of complaint direct to the financial institution concerned. They'll require proof of your identity and legal status regarding your deceased relative. Your complaint must have only factual reasons, not any assumption or speculation over what may have been said at point of sale..

cherrydvt

Thanks very much, as my mother had the PPI for several years up until her death at the age of 74, and was not employed after 1959, I think we may have a good case for stating that she should never have been allowed/sold a policy.

dunstonh

Resolver exists to harvest date that is sold on in aggregate form.

yes, it may help some people but its a narrow template and does often create more work than it saves.

I think we may have a good case for stating that she should never have been allowed/sold a policy.

And was she sold a policy?

i.e. before you put a complaint in about a missale, have you actually found out if such a policy existed. Remember most people never bought any PPI.

cherrydvt

Yes dunstoh, I have a couple of her statements for some accounts, but not all (so wanted a quick 'check' via resolve to see if her other accounts also had PPI attached). The only issue is did she sign up through a tick box, in which case I am wondering if we could still argue that she shouldn't have been allowed a policy given her ineligibility for it?

cherrydvt

The advice on MSE seems to dispute what you suggest, but I thank you for your input. My query was more 'is there a form?' than 'do I stand a chance?'
As I am unable to ascertain the method by which she had PPI added to her accounts, then it's unknown whether she was mis-sold, or mis-bought.
Bit frustrating that MSE/Resolver says 'yes you can claim for a deceased relative' without providing any means or advice on how to do so.

dunstonh

The advice on MSE seems to dispute what you suggest, but I thank you for your input.

MSE does over simplify things and leave a whole lot out.

Non-advised sales have lower criteria than advised sales. Self-purchased plans (with no staff involvement) have a lower level still.

However, if not eligible, you still often succeed.

As I am unable to ascertain the method by which she had PPI added to her accounts, then it's unknown whether she was mis-sold, or mis-bought.

And as you were not there, you cannot say anyway. Deceased complaints have to stick to factual reasons. Such as no employment in this case.

[Deleted User]

cherrydvt wrote: »

I am unable to ascertain the method by which she had PPI added to her accounts, then it's unknown whether she was mis-sold, or mis-bought.

Ah, I read your original comment as a statement rather than a query. If you don't know how the PPI came to be added then obviously you can't complain about those circumstances.

As Dunston says, stick to only the facts that you know.

cherrydvt wrote: »

Bit frustrating that MSE/Resolver says 'yes you can claim for a deceased relative' without providing any means or advice on how to do so.

Note that Resolver is just an E-Mail template, it's not a comprehensive complaint service.

cherrydvt wrote: »

wanted a quick 'check' via resolve to see if her other accounts also had PPI attached

You certainly don't need Resolver to ask your Mother's former banks whether they have records of any other PPI she may have had. But you should also note that there are unlikely to be any records kept for a deceased person, especially if she has been dead some time and/or the accounts are long closed.

PPI Complaints on behalf deceased relatives are only a very tiny proportion of the overall total and it's hardly surprising that MSE does not attempt exhaustive advice on the subject.

The advice you received at post# 2 from ZX81 is really all you need to know and do.