Can I claim PPI as executor on my mother’s will?

SarahJ93

Hi,

My mother recently passed away last month and appointed me and one of my brother’s as executors. I have taken all of her paperwork and gone through it to organise it all as it wasn’t together. I found a form from a PPI company that my mother apparently spoke to and they sent out forms for her to sign but she never got around too it.

She hasn’t kept all the paperwork, I do have a couple of bits of paperwork for 2 out of the 8 companies listed but I am not sure what to do next.

I looked the company up online and they have a 1.9 star review on Google with people saying avoid at all costs. So I’m not sure where I stand on being able to claim for the estate.

Can anyone offer any advice please?

McKneff

Forget the word claim. It shoud be complain but you have to have evidence to back up this complaint..
Ring each company up yourself to see if ppi was paid and take it from there.

Ignore the claims companies

Nasqueron

Claims firms are parasites


If you have a valid complaint, then issue it yourself.


Remember, acting on behalf of a deceased person, your complaint reasons can only be factual and evidence based unless you were present at the sale point, for example, you cannot claim she didn't want it or didn't know about it if she took it out on her own.


My condolences on your loss

safestored4

How do you know that your mother ever had PPI other than the paperwork from the claims company?

SarahJ93

I don’t have any other evidence besides the paperwork. I’m just trying to make sure I cover all bases as the executor to ensure that I have done my role. Would it be best to ring the companies or send an email so I have a written trail?

dunstonh

The companies will want copies of the death certificate and usually probate and the Will, where they exist. Sometimes they want these before they even look at the case.

So, probably best in writing.

Bermonia

Honestly makes little difference, would probably suggest emailing - they can then respond and advise what documentation they need to see from you to ensure you are eligible to bring a complaint on behalf of the estate.

SarahJ93

Thank you for your responses. I haven’t submitted probate yet as I thought I would need to sort this first? (I have a few other things to do before submitting).

Do I need to submit probate before going starting the emailing process?

dunstonh

Are you required to get probate? If not, the PPI redress (if successful) will probably be under. If you need to get probate then they will need it.

SarahJ93

We have to have probate in order to sell her house, otherwise we wouldn’t need it.

Does anyone have any links to any letter templates I could look at? I’m finding it hard to word.

Bermonia

Most templates make spurious complaint points especially as you would need to rely on factual statements (for instance you can’t suggest that your mother didn’t want it or didn’t know only she could’ve made that claim).

Just lay out her circumstances at the time of the sale - employment, work benefits, savings/other insurances, any pre-existing health concerns. The lender will then consider if there was any potential failing in the process that would lead to the complaint being upheld.