Claiming PPI back for my late mother - Is it possible?

mhumphreys

Hi, my mother died in 2012 and recently a friend suggested that I should put in a claim for her being miss sold PPI.
Is this possible? and what is the best way to do it?
Thanks for any help.

[Deleted User]

If you are the executor of her estate, and you have reasons you believe she was mis sold, you can put in a complaint.

However, you will need to stick to the factual information you have.

Do you know why she was mis sold?

mhumphreys

My brother in law is executor and she wouldn't have known about it.

[Deleted User]

He will need to make the complaint.

However, your complaint reason is unprovable, as there's no way of knowing what she knew or not.. It will also be contradicted by the fact is appeared on her statements and other paperwork.

Do you have anything else - eg she was unemployed at the time of taking out the PPI?

[Deleted User]

mhumphreys wrote: »

she wouldn't have known about it.

To be honest, seven years after your mother's death, you are going to struggle with this unless you have comprehensive documentation proving that she had a PPI policy and how much she paid for it.
If you don't have such proof, it will be a forlorn hope that the Bank have kept records for a person long deceased.

However you need to be aware that, if you have such documentation, it would severely undermine your assertion that she didn't know she had it!

If you do complain, you must use only factual and verifiable complaint reasons. You cannot make reference to sales conversations you were not privy to and neither must you make assumptions about her knowledge of the policy.

Good luck.

mhumphreys

She was retired.

Bermonia

She was retired at the time of borrowing money and taking subsequent insurance to cover repayments or merely she retired whilst policy may have been in place?

Do you even know if she had PPI or are you merely hoping?

HELLO123

My deceased father took out a 5 year loan for £5000 in 1998 when he was 64 and employed it only covered disability and hospitalization NOT unemployment.
It was a single premium ppi of £1500 plus about £500 interest on the PP'I it seems excessive as it didnt include unemployment, do i have a case of miss-sold?
The OP might of not covered unemployment in the terms of the policy aswell as some didnt according to circumstances.

HELLO123

on the top of the agreement it says with barclayloan protection
APR17.9%
Amount of loan 5000 premium loan (being the single premium payment to purchase Barclyloan protection) purchase barclayloan protection)
credit charge 2415.40
total amount payable 7415.40

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/ 1057.36 Amount of loan
Monthly repayment 123.59

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/ 510.44 charge for credit
Number of repayments 60

---

1567.80 total amount payable

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/ + 26.13 Monthly repayment total 149.72 a month
/over 60 months

-taff

HELLO123 wrote: »

ive got a terms of policy from Barclays from the 1990s
Terms of eligibility:
you are eligible for protection when you enter into your agreement as long as the following apply at the starting date:
you do not know that any disability or unemployment is likely to happen to you:
you are 18 or over,and either under 65 (for unemployment protection) or under 69(for life,disability and hospitalisation protection).

when does protection end?
your protection ends automatically on whichever of the following happens first
. the date of your death
.for unemployment protection,the date when you reach 65 or retire before then
for life,disability and hospitalisation protection,the date when you reach 70;
. the date when all amounts due to Barclays under your agreement have been paid;or the date when your last monthly payment is due under the original terms of the agreement.

so he was covered by the PPI as it was taken out with regard to his age at the time of the PPI.
You can try single premium as a complaint reason.

HELLO123

Do you think the price of PPI protection was cheaper if it didnt cover the whole range of protection from someone who was younger who got full protection? or do you think it was all priced the same?
It also covered the self- employed
If you are self employed we will pay unemployment protection benefit if:
. you have stopped trading and your business is being or has been wound up;or
. your business is in the hands of a liquidator;or
. your partnership has been dissolved.