Need to make a last minute search through all banks to see if my deceased dad is owed any ppi. He de

ChrisK....._3

Need to make a last minute search through all banks to see if my deceased dad is owed any ppi. He definitely took loads out and my mum just asked me to search so my questions are
1/ Is there a standard template I can ping to 30 banks in as many minutes ( not a form that takes 45 years each to complete)
2/ Can I send the claims by email? Or do banks insist on snail mail to put deter claims?

societys_child

Dear Bank, did my dad have any PPI policies with you?


Btw, no one is owed PPI and it's not a claim (in this instance it's just an enquiry) but if there are any PPI policies, and you believe they were mis-sold, you make a complaint detailing your allegations of what you believe was done wrong.

antrobus

ChrisK..... wrote: »

Need to make a last minute search through all banks to see if my deceased dad is owed any ppi. He definitely took loads out and my mum just asked me to search so my questions are
1/ Is there a standard template I can ping to 30 banks in as many minutes ( not a form that takes 45 years each to complete)
2/ Can I send the claims by email? Or do banks insist on snail mail to put deter claims?

Who dealt with your father's estate? The banks may well refuse to respond if you were not the PR of his estate.

When did your father die? If it was some years ago you may well find there are no longer any records.

ChrisK....._3

Active know whether you can send the enquiry/complaint by email?

[Deleted User]

ChrisK..... wrote: »

Active know whether you can send the enquiry/complaint by email?

How will you be able to show that you have the right to enquire on behalf of your deceased father if you use E-Mail?
Do you actually have such rights?
Are you seriously expecting that contacting multiple lenders will be a thirty minute undertaking?

As stated in the other response, if your father passed some years ago there is every likelihood that there will no longer be any record of his finances.

ChrisK....._3

How will I be able to show the right to enquire in a letter?
I seriously expect banks to adhere to fsi guidance on ppi whether contacted by letter or an email, but don't KNOW, hence the question
Also expect banks to indicate whether there is a claim against them and what formality I would need to take

Moneyineptitude wrote: »

How will you be able to show that you have the right to enquire on behalf of your deceased father if you use E-Mail?
Do you actually have such rights?
Are you seriously expecting that contacting multiple lenders will be a thirty minute undertaking?

As stated in the other response, if your father passed some years ago there is every likelihood that there will no longer be any record of his finances.

BoGoF

They are not obliged to tell you anything unless you show you are authorised to act for the estate.....a question that you have not answered. Nor when he died - if more than 6 years ago you are more than likely wasting your time.

elliesmemory1

To be honest you are probably wasting your time asking anything on this board. Most of the answers given here seem to make you feel like its a crime to find out about Ppi.
If I were you if write to all the banks you think your father had Ppi with.
You may be wasting your time but it's still worth asking and if you miss the deadline you can't claim any way.
Do one letter and copy it.
Send it to all the places you need ton and see what happens. What harm can it do ?
Now wait for all the negative comments!

[Deleted User]

ChrisK..... wrote: »

How will I be able to show the right to enquire in a letter?

You'd obviously have to send them documentation showing that you are the executor of your father's estate. If you can do this electronically then do so, but you may delay the response in the process. Do you actually have the right to enquire on behalf of your deceased father? You still haven't answered this despite repeated requests..

ChrisK..... wrote: »

Also expect banks to indicate whether there is a claim against them

If you ask the Bank whether your father's accounts had PPI they'll respond simply and directly yes, no, or that they have no record. They won't assume any liability for mis-selling the insurance though, you have to provide complaint reasons yourself I'm afraid.

ChrisK..... wrote: »

what formality I would need to take

Again, the Bank won't respond to an enquiry with an invitation to complain. The regulated complaints process is available to all, you just have to follow it. If you need help with this, we are ready and willing to assist...

Whatever you do, make haste as you have only until 29th August to submit any complaint(s) you might make.

[Deleted User]

elliesmemory1 wrote: »

Do one letter and copy it.

It's great you're giving advice, but not so great when it's advice which actively harms the OP's chances.

Sending a generic letter will be much less effective than sending a genuine complaint about a policy. It's barely any more effort but stands a much better chance of success.

[Deleted User]

Deleted_User wrote: »

Sending a generic letter will be much less effective than sending a genuine complaint about a policy. It's barely any more effort but stands a much better chance of success.

To be fair, the OP has no knowledge of whether his father even had PPI. So a generic letter asking, "Did my late father who I legally represent have PPI?" would have been perfectly acceptable in the first instance. Only after establishing if there was PPI would the OP need to make individual complaints. A further complication is that the OP would only be able to make very factual complaints and could not complain, for example, about what was said during the sale unless he was there..

The main problem, as you know, is that such research has never been a "thirty minute" undertaking and time is now very very short.

EDIT;
...and it's now three full days since the OP posted this thread...:eek: