PPI question regarding deceased relatives

[kipmaster11]

Hi Everyone,

I've been trawling the internet for some advice/information on PPI in relation to deceased relatives.

I'm due to complete the sale of my parent’s house (who both sadly died in recent years) and as we've been clearing all the possessions, I've found numerous paper work relating to banks accounts/loans/ pensions etc

The information out there is confusing. So my basic question is this:-

Can you claim back any potential PPI on bank accounts/mortgages/ credit cards etc being the executor a person’s estate? There were no outstanding debts in relation to any accounts which my Father (he died a few years after my mother) had shortly after he died.

I should state my parents were prudent people but as we've all found out, a lot of PPI claims relate to people who were completely unaware of the loans that were placed against them.

Any information would be much appreciated

Thanks M

[di30]

Re: PPI question regarding deceased relatives

Hi and welcome

Bumping for the relevant member to help in regards of this matter.

Sorry there's been no response as yet, but hopefully someone will be along very soon, good luck.

So sorry of the loss of both your parents x

[Kati]

Re: PPI question regarding deceased relatives

I'll bump your post too - sorry I cannot answer your question :tinysmile_hmm_t2:

Kati x

[enaid]

Re: PPI question regarding deceased relatives

Firstly so sorry about your loss, been through it myself and know it's not easy dealing with emotions let alone everything else . x

As executor of the estate I am sure you can if you can prove the policies were mis sold., as if any debts were outstanding it would be your duty to claim the PPI to settle the debts that had PPI in place.
You would not be able to get a Subject Access Request as this can not be done when someone is still alive, if you have Power of Attorney though you could probably get the info needed from the banks etc.
You may well have to go through the FOS to get a complete result but am sure it's worth a stab

[stevemLS]

Re: PPI question regarding deceased relatives

A Power of Attorney expires on death so won't help.

The Executor of an estate can pursue any cause of action that the testator could have pursued. The difficulty I see is that many of these claims are pursued in circumstances where there is no legal right to recover the money (ie it is founded on FOS policy which is far more generous that the law permits).

Quite how you would begin to prove mis-selling I don't know - your parents were prudent people, they may well have insisted on buying the PPI.

[enaid]

Re: PPI question regarding deceased relatives

A Power of Attorney expires on death so won't help.

.

I should have thought of that as I have returned my dads to the Public Guardian, but I thought if the bank knew one was in place they may give all info asked for on the accounts not only the final ones.

As for mis selling if they were self employed or were not employed at the time the PPI was sold as examples it does not only apply to people who didn't know it was applied to their loans etc.

[leclerc]

Re: PPI question regarding deceased relatives

If the OP was the executor of the will then I am sure that the bank would give the information as well.
I would agree that POA would die on death.

This is a toughie because we've seen claims when people have been living but claiming for someone who has died will need to be a very well argued case ie double coverage, point of sale(impossible to prove it was missold unless other factors come in re double coverage) etc etc.

It might only be worth pursuing if the age criteria comes into the equation ie over 65 as most conditions would be unlikely to be needed.