Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • mamaswoop
    • By mamaswoop 13th Apr 18, 11:03 AM
    • 4Posts
    • 0Thanks
    mamaswoop
    Deceased Spouse PPI Claim
    • #1
    • 13th Apr 18, 11:03 AM
    Deceased Spouse PPI Claim 13th Apr 18 at 11:03 AM
    Hi I'm new to this Forum.
    I'm trying to claim PPI on a Joint Mortgage I had with my husband who died in 1999. Can I still make a claim and if so, what will I need to proceed with the claim as my husband is dead ?
    Thanks in advance for any help/advice.
Page 1
    • dunstonh
    • By dunstonh 13th Apr 18, 11:54 AM
    • 92,192 Posts
    • 59,354 Thanks
    dunstonh
    • #2
    • 13th Apr 18, 11:54 AM
    • #2
    • 13th Apr 18, 11:54 AM
    Can I still make a claim
    The vast majority of PPI does not cover death. So, its unlikely that death is a claimable event. Life assurance is what pays out on death. Did you have that? If you didnt claim on the life assurance and had it, then you should do so now.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Nasqueron
    • By Nasqueron 13th Apr 18, 2:27 PM
    • 4,304 Posts
    • 2,526 Thanks
    Nasqueron
    • #3
    • 13th Apr 18, 2:27 PM
    • #3
    • 13th Apr 18, 2:27 PM
    If you mean complaint about being miss-sold, you can do if you have the right to deal with his estate (e.g. as executor of the will). If you were there during the sale of the cover then you can just respond as normal, if you were not, you must stick to factual reasons, you cannot make claims about what was said during the sale.

    You also need to establish when and how the policy was sold, if it was through a broker and taken out long before 1999 then it would be pre-regulation and could be rejected without access to the FOS, if it was sold by a bank or building society staff member, you can complain
    • Clacket
    • By Clacket 14th Apr 18, 12:13 PM
    • 1 Posts
    • 0 Thanks
    Clacket
    • #4
    • 14th Apr 18, 12:13 PM
    • #4
    • 14th Apr 18, 12:13 PM
    I'm new to this forum as well. My husband and I took out a loan in 1990, and he died in 2004 when we lived abroad, but have very little idea how to fill in the forms I've received from the bank, and he had no will.
    • Nearlyold
    • By Nearlyold 14th Apr 18, 1:59 PM
    • 1,041 Posts
    • 869 Thanks
    Nearlyold
    • #5
    • 14th Apr 18, 1:59 PM
    • #5
    • 14th Apr 18, 1:59 PM
    It's better to start your own thread, in any event it's going to be difficult for anyone to help you without you telling us what you are trying to achieve in contacting the bank (assuming you did contact them) and what the forms are in relation to. Who acted as executor/administrator for your late husbands estate?
    • mamaswoop
    • By mamaswoop 24th Apr 18, 9:15 AM
    • 4 Posts
    • 0 Thanks
    mamaswoop
    • #6
    • 24th Apr 18, 9:15 AM
    Deceased Spouse PPI Claim
    • #6
    • 24th Apr 18, 9:15 AM
    We were both present when we applied for the mortgage and I clearly remember the person doing the mortgage saying if we didn't take out the Mortgage Protection Policy, we wouldn't get the mortgage. I think that's what the policy was called.
    • Nasqueron
    • By Nasqueron 24th Apr 18, 10:42 AM
    • 4,304 Posts
    • 2,526 Thanks
    Nasqueron
    • #7
    • 24th Apr 18, 10:42 AM
    • #7
    • 24th Apr 18, 10:42 AM
    We were both present when we applied for the mortgage and I clearly remember the person doing the mortgage saying if we didn't take out the Mortgage Protection Policy, we wouldn't get the mortgage. I think that's what the policy was called.
    Originally posted by mamaswoop
    You can still complain but obviously you can't prove that was said so don't expect to win on that basis. If you bought through a broker though they can insist you take out cover like this in return for free advice
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,343Posts Today

8,255Users online

Martin's Twitter