PPI Success -My Mum passed away and I’ve received notification she has been successful in a claim 20 January 2020 at 8:00AM in Reclaim PPI & other insurance 7 replies 740 views

Adamnotts

Hi, I filed a claim for my mum in August via resolver for a store card dating back to 1982 . Unfortunately my Mum passed away in October but last week a letter was sent from the company offering her a settlement (of £1300 ( seems a tad low from 38 years back but I guess I can’t contest it ) Anyway, she didn’t have an estate as such when she passed ( less than 5k and no property) so I didn’t apply for probate/administration but can I sign for this letter and ultimately claim this amount or even cheekily contest the amount? Many Thanks

Bermonia

On what grounds would you contest it... saying I wanted more isn’t considered sufficient strangely enough.

With regards to any payout, you would need to provide a copy of the death certificate, is your father still alive (if so he would need to supply his marriage certificate), if not you and any and all siblings would need to supply your birth certificates along with a letter making a declaration that the estate in its entirety was less than £5,000 (keep in mind this £1,300 now forms part of that estate).

[Deleted User]

Adamnotts wrote: »

can I sign for this letter and ultimately claim this amount or even cheekily contest the amount?

A successful PPI complaint is just a refund of the PPI plus interest. On an account from 38 years ago the majority of the redress will be interest accrued. Unless you have documentary evidence (statements) that your Mother paid more in PPI than is being refunded (without interest) any "cheeky" challenge would be futile. I doubt very much your Mother was still actively using the card for all these years and remember that PPI was simply a percentage of the card's balance, so a nil balance would not have been charged.

Follow Bermonia's advice above for actually obtaining the money....

SonOf

but last week a letter was sent from the company offering her a settlement (of £1300 ( seems a tad low from 38 years back but I guess I can’t contest it )

The redress calculation is defined with upheld complaints. Lots of people have received a lot less. Some a lot more. Its actually in the ballpark of the average. So, why do you think it is wrong and what evidence is available to support your point of view?

Adamnotts

My Mum & Dad are divorced but we have a death certificate - I have no grounds to contest, I was wondering if it was like ‘kicking tyres’ a low offer at start anyway thanks for your response

Bermonia

In that case submit everything previously advised along with confirmation of your parents divorce.

Adamnotts

I have no evidence & i have limited ppi knowledge hence asking here.

brettcta

You don’t need ‘PPI knowledge’ - you just need to submit whatever you have available.

I’m going to make a suggestion and as crazy, whacky and zany as this might sound, please stick with me - have you tried calling the lender to discuss what they need vs what you have?