PPI complaint on behalf of a dependant

Cazzaroo

Hello,

A quick bit of background, mum was diagnosed with Alzheimer's in 2016 and still lives in her own house by herself.  She has carers and I care for her outside of my work hours.

I have recently been going through decades of paperwork my mother has been hoarding at her house.  She had wage slips from the 1990's!

Anyway, I found a Barclaycard statement that I had no idea she even had.  I thought I would try to claim PPI compensation on her behalf.  I had read that although the deadline has passed, in exceptional circumstances claims are reviewed on a case by case basis.

Anyway, they have rejected it citing 'you did not have any exceptional circumstances for an extended period of time prior to the deadline '.  The letter is addressed to me.  I'm not really sure what this means.  Can anyone interpret please?

Thanks

sourcrates

Basically it’s a fob off, you can escalate the matter to the FOS, they may take a different approach to it, although now the deadline has passed, there is no pressure on them to find in your favour.

Loads of these policies were mis-sold on a scale that is hard to imagine today, however now things have settled down, they are wanting specific circumstances where the policy has proved to be unfit for purpose, in order to secure redress.

So you need to say why it was unsuitable, just having it is not good enough anymore.

Personally, I’d shut the lot of em down for being the fraudsters they are.

Cazzaroo

sourcrates said:

Basically it’s a fob off, you can escalate the matter to the FOS, they may take a different approach to it, although now the deadline has passed, there is no pressure on them to find in your favour.

Loads of these policies were mis-sold on a scale that is hard to imagine today, however now things have settled down, they are wanting specific circumstances where the policy has proved to be unfit for purpose, in order to secure redress.

So you need to say why it was unsuitable, just having it is not good enough anymore.

Personally, I’d shut the lot of em down for being the fraudsters they are.

Thanks for your reply.  I'm going to write back to them in the first instance and get them to explain themselves.  Waste of time...probably.

dunstonh

Anyway, they have rejected it citing 'you did not have any exceptional circumstances for an extended period of time prior to the deadline '.  The letter is addressed to me.  I'm not really sure what this means.  Can anyone interpret please?

For complaints to be considered past the deadline, there need to be exceptional reasons, and they need to cover the whole of the period past the deadline.        Complaining about PPI started around 2003.   So, it has been 20 years.   Whilst the whole of that period doesn't need to be covered off, there does need to be a justifiable reason why you, a third party, feel the need to put in a complaint whilst your mother, the account holder, didn't.

You say she was diagnosed with Alzheimer's in 2016 but she is still living at home by herself today.    So, that weakens your argument as she effectively had long period to raise a complaint if she wished.   It doesn't act as an absolute blocker but you
 are looking to persuade someone as to why you mother did not complain.    Alzheimer's is horrible and progressively gets worse.  If she is still living at home by herself today, then chances are she still had the sufficient capability in 2019 to raise a complaint, if she had one.    If you want to persuade a complaints handler that this is not the case, then you need to explain why she didn't have the capability.   If she was in a home or living with family, then it's a stronger case.   And its not her capability now but her capability upto 2019.

You also need valid complaint reasons as there is actually nothing wrong with having PPI (although there were some bad types).  The whole thing was down to the sale of it.   You were not present at the point of sale.  So, you cannot say what happened.   You can write down what your mum says the wrongdoing was but just having PPI is not enough.

Cazzaroo

dunstonh said:

Anyway, they have rejected it citing 'you did not have any exceptional circumstances for an extended period of time prior to the deadline '.  The letter is addressed to me.  I'm not really sure what this means.  Can anyone interpret please?

For complaints to be considered past the deadline, there need to be exceptional reasons, and they need to cover the whole of the period past the deadline.        Complaining about PPI started around 2003.   So, it has been 20 years.   Whilst the whole of that period doesn't need to be covered off, there does need to be a justifiable reason why you, a third party, feel the need to put in a complaint whilst your mother, the account holder, didn't.

You say she was diagnosed with Alzheimer's in 2016 but she is still living at home by herself today.    So, that weakens your argument as she effectively had long period to raise a complaint if she wished.   It doesn't act as an absolute blocker but you
 are looking to persuade someone as to why you mother did not complain.    Alzheimer's is horrible and progressively gets worse.  If she is still living at home by herself today, then chances are she still had the sufficient capability in 2019 to raise a complaint, if she had one.    If you want to persuade a complaints handler that this is not the case, then you need to explain why she didn't have the capability.   If she was in a home or living with family, then it's a stronger case.   And its not her capability now but her capability upto 2019.

You also need valid complaint reasons as there is actually nothing wrong with having PPI (although there were some bad types).  The whole thing was down to the sale of it.   You were not present at the point of sale.  So, you cannot say what happened.   You can write down what your mum says the wrongdoing was but just having PPI is not enough.

Thanks for the clarity.