Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

[Take Heart]

Dear Legal Beagles

I'm in a predicament. My husband and I were married for over 20 years and during that time we lived in and had mortgages together on two properties. We also had a car loan during that time. We divorced in 2006.

He died suddenly in 2010 and I am bringing up our two sons on almost fresh air.

My question is, am I able to claim ppi on our joint mortgages/loans from that time when we were married?

It would be beyond helpful at the moment - thank-you x

[CleverClogs]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

I would say this would be unlikely, as any PPI repayment would surely constitute part of your late ex-husband's estate.

To whom did he leave his money, etc?

[Take Heart]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Thanks Cleverclogs
I've just emailed the solicitors who are also the executors and asked them too.
My sons (who I live with) are the beneficiaries, so I need to make sure any application is legal and fair.
-Take Heart

[EXC]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

You could try calling the FOS helpline and asking them - they're usually very helpful http://www.financial-ombudsman.org.u...act/index.html

[Take Heart]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Thanks EXC,
I'll give them a call and post back with their answer and anything the solicitor can help me with asap.

[Take Heart]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Dear EXC

They say that patience is a virtue, well, life has thrown some curve balls, but by some sheer luck I remembered this site, clicked on your link for the FOS and they have been very helpful.
The answer is, yes, I can put forward a ppi complaint for our joint mortgages/loans, even though he has passed away.
Further to that, the executor of his will is able to put forward ppi complaints on behalf of the beneficiaries - any monies that are awarded become part of the estate.
Thank-you so very much for your help - it has been greatly appreciated.

[Take Heart]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Dear EXC

They say that patience is a virtue, well, life has thrown some curve balls, but by some sheer luck I remembered this site, clicked on your link for the FOS and they have been very helpful.
The answer is, yes, I can put forward a ppi complaint for our joint mortgages/loans, even though he has passed away.
Further to that, the executor of his will is able to put forward ppi complaints on behalf of the beneficiaries - any monies that are awarded become part of the estate.
Thank-you so very much for your help - it has been greatly appreciated.

[Kati]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Dear EXC

They say that patience is a virtue, well, life has thrown some curve balls, but by some sheer luck I remembered this site, clicked on your link for the FOS and they have been very helpful.
The answer is, yes, I can put forward a ppi complaint for our joint mortgages/loans, even though he has passed away.
Further to that, the executor of his will is able to put forward ppi complaints on behalf of the beneficiaries - any monies that are awarded become part of the estate.
Thank-you so very much for your help - it has been greatly appreciated.

oh congratulations you!! I'm sure [MENTION=332]EXC[/MENTION] will be pleased too xx

[EXC]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Dear EXC

They say that patience is a virtue, well, life has thrown some curve balls, but by some sheer luck I remembered this site, clicked on your link for the FOS and they have been very helpful.
The answer is, yes, I can put forward a ppi complaint for our joint mortgages/loans, even though he has passed away.
Further to that, the executor of his will is able to put forward ppi complaints on behalf of the beneficiaries - any monies that are awarded become part of the estate.
Thank-you so very much for your help - it has been greatly appreciated.

Nice one, good luck with it.

[seduraed]

Re: Can I claim PPI on my late ex husband's mortgage (joint with me) and loans?

Ask the executor to check the policies. Loans and mortgages with PPI often had death benefits built in to a higher value and are easier to claim.