Claiming PPI for deseased Father

Nenni69

My father in law ( my partners Dad) sadly passed away last year and my sister in law has been dealing with his estate it didn’t have to go to probate because the money in his accounts didn’t hit the threshold. Anyway she made sure all the post was forwarded to her address in England he lived in Scotland. A few months back a letter came from a PPI company with names of a fair few creditors on. Looks like he was about to start the process of claiming back PPI he may have been missold. She has asked me if I can deal with this as she doesn’t have time. From my research I have told her I will need the confirmation letter giving her authority from the county court nearest to her dad. ( in Scotland) rather than pay the PPI company the 24% interest I was going to write to them on her behalf with copies of the confirmation letter. Long winded I know but I wondered if anyone could direct me to a suitable template letter please. Thankyou

Nenni69

Ps apologise for spelling deceased wrong!! ��

dunstonh

She has asked me if I can deal with this as she doesn’t have time. From my research I have told her I will need the confirmation letter giving her authority from the county court nearest to her dad

The executor is the person who can raise the complaints. So, your sister. you can do the work but she signs the letters.

but I wondered if anyone could direct me to a suitable template letter please.

Template letters are old hat. They suffered issues which led to lower success rates (people leaving in reasons that did not apply which damaged credibility and many complaints hinge on credibility)

You just need to give the reasons you think it was missold. You cant make allegations of what may or may not have been said of whether he wanted it or not. You have to stick to factual reasons. Such as eligibility or suitability.

Nasqueron

Make sure you cancel any contract (in writing) with the firm. If your dad intitiated the complaint then that should be possible.


After that yes you can try and complain to every firm mentioned



Do remember you are complaining, not claiming and doing so on behalf of a deceased person you must stick to factual complaint reasons - you cannot for example make claims about what your father was told in the sales process (such as "you need to take out this product") if you were not there


Condolences on your loss

Nenni69

Thankyou for your response. Yes I’ll be doing everything on her behalf she will sign the letters I know that. I’m so new to this I’m not sure what I would use as factual information? I’m guessing less is more The only information I have is the name of the creditors he gave to the PPI company before he passed. I don’t have much paperwork a couple of old account numbers and a few credit card numbers. He didn’t have any debt at his time of death. I suppose I’m just after a few pointers in how to word the letters. Thanks

Nasqueron

Factual reasons would be, for example, not working when PPI was taken out, self-employed IF the policy wouldn't cover self-employed people, work benefits such as long term sick pay etc. With loans, single premium (where PPI was included in the loan total etc). Only you and your family know your circumstances so we can't advise more than that

-taff

have a look at the MSE guide regarding what are factual reasons. As above, you cannot use 'he was told to have it', 'he didnt know he had it, or 'it was added without his consent' because those are not provable reasons.

Nenni69

I think the best factual reason I can offer is my father in law was in receipt of a war disablement pension. This is a guarantee income so loss of job wouldnt matter.

-taff

and single premium for loans.


If he was in recipt of a disablement pension, does this mean he had a longstanding medical condition that also would have prevented any PPI form paying out?

Nenni69

I think what I need to do first is maybe write to all the creditors with a copy of the death certificate requesting copies of any agreements and or accounts he had and take it from there.

-taff

No, don't do that. The credit agreement will avail you nothing. Poeple usually ask for credit agreements when they're about to dispute payment.

Phone them, tell them what you're going to do, ask them what proof they need to investigate on his behalf.
Then, just write to them, and ask them to investigate any PPI on his accounts of whatever type,because he had sufficient income to cover any payment difficulties from his pension [and possibly mention his longstanding medical complaint].