PPI claim for deceased family member questions

Mowds

Hi,
I've read some threads on this subject but I have a couple of questions as my mother in law is looking to claim for her deceased mother.

• Her mother didnt work for many years from around 1996 but was told by a couple of companies to transfer her debts to a credit card (Halifax being one) We think she was given PPI but towards the end of her life she was not fully aware of what was going on so would have said yes to anything, would she have a case? We dont have old statements anymore

• She had state pension and a war widow pension also, she didnt work post 1996 due to retirement but was then told all her cards PPI was void/invalid which she was still paying for past retirement.that income would have been ok at the time to have repayed her debt, we know she had accounts on card that had PPI on when in reality she shouldnt have been given that finance beacause of her age/returement.

• Finally, sadly towards the end of her life, whilst she was still very independent, it was discovered that she had more debt than she'd let on. A lot of this debt died with her, but where we know she shouldn't have been given cards and finance, she was and she didnt know what she was doing. If we claimed, would this debt resurface and my mother in law be charged/liable for it.

I appreciate there are probably a lot of questions but this is the summary of it, any help would be appreciated before we send in any claims.

[Deleted User]

A complaint can be made on behalf of her estate, but any complaint will need to be based on known facts, which are likely to be slim.

Her debts should have been settled from the estate at the time. It doesn't get passed on to descendants, but do ensure that they were settled correctly at the time.

Depending on when she passed away, be aware that there may not be any remaining records.

[Deleted User]

Before you send in any "claims", you'll need to ascertain whether you MIL's mother actually had any PPI. Having no documentary evidence will severely hamper any complaint by potentially making any mis-selling reasons redundant and irrelevant.

How long has the person concerned been dead? If she's been deceased for some years there is unlikely to be any record of her finances...

-taff

Any redress would go towards the debt first unless whoever was the executor or responssible person paid it out of her estate. If it wasn't paid oit of her estate because she didn't have enough left to pay them, then leave well alone. Any mistake in administering an estate where there is outstanding debt will result in that person becoming personally liable for the debts.

Mowds

it was 2013

[Deleted User]

Mowds wrote: »

it was 2013

The chances of there being available records of a person deceased for five years are nil.

Without thorough documentation from the person's own archive this is going nowhere I'm afraid.

Nasqueron

Your only other option to put your mind at rest is a SAR to the bank and see if they have any records left but if the account was closed before she died (more than 6 years ago) then almost certain they will have destroyed all the records - either they confirm nothing is left, confirm she didn't pay it or confirm she did. I'd say 99.9% you won't get anywhere but nothing ventured - expect nothing and maybe you get some good news


Condolences on your loss