PPI Claim for Deceased Father?

Topaz99

I have sadly just lost my Father and am helping sort through his estate.
As with all these things he did promise to sort things, but myself and my Mum are gradually getting through pensions, accounts in order to settle and get transferred.

The one thing he did want to try was for PPI.

Can you tell us if we can claim for a deceased relative on his behalf?
Also could you tell us the best or (one of the best) companies that could do this thoroughly and quickly?

I know the deadline is looming (August 2019??) so dont have much time, so it maybe easier to do it ourselves but we don't need the hassle at this sensitive time, plus am not sure of what he had and where?!

So if anyone could give us some advice on this and on who to use?
Also what info do we need for my late Father in order for a company to action this?

Thank you for any help

foxy-stoat

You need to prove a complaint - just having PPI doesn't automatically mean is was unlawful.

Nasqueron

You will need to start the complaint but likely have to prove you have the authority or are the executor to carry it out. You only need to start the complaint before August, it doesn't have to be completed.

Please understand that claims companies do not do anything, you have to supply them with all the information as your father's records are not in the public domain. If you have that information you can complain yourself. It takes just as long to send an email or fill in a form on the bank website as it does to explain all that over the phone to some minimum wage student/housewife who copies down what they think you said and adds in their own nonsense.

Remember also as you are talking about a sale to your father, you cannot use arguments if you were not present at the sale like saying he was told to have it because you don't know that. Stick to facts such as eligibility

Condolences for your loss

Topaz99

Thank you for your help on this.

I am sure that when i had the calls for PPI, that i filled in some bank details, but (mistakenly) thought that they could check with your name/d.o.b etc any accounts that I had previous?

So thought this may apply to my Dad? (as he's not here to tell us).

As he was 72, he probably had various bank accounts, and a mortgage account etc through the 1970's 1980's 1990's that would be eligible for PPI, but I wouldn't know where to start?

[Deleted User]

Topaz99 wrote: »

As he was 72, he probably had various bank accounts, and a mortgage account etc through the 1970's 1980's 1990's that would be eligible for PPI, but I wouldn't know where to start?

Understand that no one is "eligible" for PPI.
Payment Protection Insurance (PPI)was a widely mis-sold policy mainstream in the 1990's.

It was unlikely to have been (mis)sold during the 1980's and definitely wasn't sold to your father in the 1970's.

You appear to be unaware whether your father had PPI at all.
As such, your main problem will be a lack of any records of his finance (or PPI).

You appear not to have evidence of PPI from his own archive?

If so, any "complaint" is very likely over before it's begun.

Sorry.

Topaz99

Ok so I have found 3 or 4 different bank accounts that he had over the years, with Account numbers etc

Also I have a Mortgage/Building Society account, and an MBNA credit card account.

Would these all be applicable for a PPI claim?

Thank you for any help

[Deleted User]

No. Claims can only be made by the policyholder while the policy is in force.

You can take a mis selling complaint if you feel you have valid reasons though. It's unlikely the bank accounts would have had PPI attached.

Nasqueron

Topaz99 wrote: »

Ok so I have found 3 or 4 different bank accounts that he had over the years, with Account numbers etc

Also I have a Mortgage/Building Society account, and an MBNA credit card account.

Would these all be applicable for a PPI claim?

Thank you for any help

PPI covered debt repayments so any time of credit or loan could have it - cards, loans, mortgage.


A current account almost never had PPI (it was only available on overdrafts and not that common). A credit card can certainly - it would appear on every statement where he didn't pay the card off in full each month - you can just ask MBNA if he had it. Depending on when he took out a mortgage, assuming he did have one, that might but it might equally just have life insurance, MIG or a product like PHI (none of which have any associated miss-selling issues, indeed, MIG cannot be miss-sold). If he had an endowment mortgage that cannot have PPI (though a separate policy could exist).


It's best just to look through the paperwork and ring up the lenders and ask. Be aware they will need proof of your eligibility to discuss this, such as being the executor of the estate.

foxy-stoat

Topaz99 wrote: »

Ok so I have found 3 or 4 different bank accounts that he had over the years, with Account numbers etc

Also I have a Mortgage/Building Society account, and an MBNA credit card account.

Would these all be applicable for a PPI claim?

Thank you for any help

You sound like you are clutching at straws a bit - does your Mum have any knowledge in their financial affairs ?

By all means submit a request for information to the lenders, MBNA for example. You will get back confirmation if there was PPI on the account - you then have to complain about it and state the reason(s) why - just buying PPI is not a valid reason to complain.

Topaz99

He always did mention doing it, so suggests that he may have had something mis-sold over the years? Again this is just a guess on my part, but maybe warrants looking into further and hence my post for any help on MSE Forums.

I can only get the info and look into it further to see if there is a case

Topaz99

I suppose what I should be asking is, are there special template Letters at MSE to use for PPI, that allow me to ask on my late Father's behalf, if i write to the accounts he has?