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How to Claim Back Mis-sold PPI by the Estates of Deceased Persons?

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The Payment Protection Insurance (PPI) scandal has been in the news for over a decade.

With the claims deadline of 29 August 2019 soon approaching it is important for consumers to start their PPI checks and submit claims. This includes claims on behalf of deceased friends and relatives.

The assumption is that claiming mis-sold PPI for someone who has passed away isn't possible. This is not the case.

Claiming PPI For A Deceased Friend Or Relative

Parents and spouses often take out insurance policies, such as PPI, to protect their family from debt if they were to pass away.

If a deceased member of your family had loans, credit cards or a mortgage between 1990 and 2010, there is a strong chance they had PPI.

FREE PPI CHECK* DECEASED PERSON

Making a PPI claim on behalf of a deceased relative or friend is sometimes overlooked as Personal Representatives (PRs) looking after the deceased's estate may not consider looking for mis-sold PPI.

Even though the policyholder has passed away, any money owed to them will form part of their estate. It is therefore worth a PR (executor, administrator, or next of kin) for the deceased to check for mis-sold PPI when dealing the estate, as part of their duties includes the settlement of any debt.

If the PPI policy was mis-sold, then a claim for PPI can be submitted on the deceased's behalf. To be mis-sold, the person wasn't aware the insurance was sold to them, or they didn't meet the eligibility criteria of the policy but were still sold it.

Which? Survey Reveals Widespread Misconceptions About Claiming PPI For Deceased Persons (June 2019)

Consumer champions Which? have published a survey (19 June 2019) highlighting widespread misconceptions that still exist about claiming mis-sold PPI.

The report titled ‘Widespread Misconceptions Over PPI Claims Process’ reports on the confusion about the PPI claims process and who can claim.

In particular, the report focuses on the families of deceased people not knowing that they can make a claim.

Survey Highlights

The survey asked 2084 people a series of statements to which they had to answer ‘true’, ‘false’ or ‘don’t know’ about PPI, the claims process and if claims could be made by bereaved families.

One in six people knew that a claim could be made for deceased relatives, whereas two in three said they didn’t know and one in five answered incorrectly.

A surprising revelation was from people who had already made a successful PPI claim, 55% didn’t think they could make a claim for a deceased relative and 23% thought this was untrue.

Forms sent by banks and lenders tend to be long and overly complicated for customers to complete. One in seven people knew that they didn’t have to complete the entire form to progress a claim, compared to nine in ten people who were not aware of this.

The survey also revealed that the general consensus from the public is that claiming mis-sold PPI is a complicated process. It is worrying that as the August 2019 deadline approaches,those who are entitled to claim are not doing so because of a lack of knowledge of how the process actually works.

The questions asked in the Which? misconceptions survey are reproduced in the table below. All questions were asked with ‘true’, ‘false’ or ‘don’t know’ answer options.

Statement % that answered true % that answered false % that answered don’t know
I can claim mis-sold PPI on behalf of a deceased relative 17% 19% 64%
The process for claiming mis-sold PPI requires me to complete all forms sent by the bank or provider in response to my initial claim 36% 15% 50%
I can request the provider to access my personal information to see if they mis-sold PPI across any of my products 56% 4% 40%
If I make a claim for PPI to my bank or provider for a specific product, it will automatically check against all products I had with them 28% 19% 53%
I can take a claim to the Financial Ombudsman even if the bank or provider says I cannot 52% 5% 42%
If the Financial Ombudsman has rejected my claim, the only option is to go to the small claims court 22% 11% 67%
If a bank or financial provider has failed or ceased trading, I cannot make a claim for mis-sold PPI 10% 33% 57%
If you have made a successful PPI claim, you may also be entitled to claim back for taxes you were not meant to pay and that was automatically taken off 27% 9% 64%

Source: Which?

Getting a Free PPI Check

The Free PPI Check service aims to find out if you have PPI on any financial agreements before deciding to pursue a complaint.

The purpose of the check is to find out which of the deceased's accounts had PPI.

If the check shows there was no PPI, you will be notified.

If, however, the check reveals PPI was or may have been present, you will be advised of this.

Starting a PPI Claim from someone deceased

The personal representative acting for the deceased will have to provide their details for the claims handler to contact them.

Once the enquiry begins the claims handler will require further information about the deceased such as name, address (including previous addresses), any account numbers and sort codes.

The additional following information will also be required to start a PPI claim by banks and lenders:

  • A certified copy of the death certificate;
  • Photo identification of each Executor;
  • A certified copy of the will (if applicable) and the grant of probate;
  • In the absence of a will, a copy of the grant of letters of administration.

Note: The PRs will have to identify who the beneficiaries will be of a successful claim will be before starting a deceased PPI claim.

Deceased PPI Claims Process

Below is a high-level description of the what you can expect to happen after we receive your PPI check enquiry.

1.  We will call you to start the Free PPI Check

We will need to speak to you in order to proceed with a Free PPI Check. We will need to confirm contact details for yourself and personal details of the deceased person(s) for who you wish to check PPI.

Plevin and High Commission Claims

Even if the PPI may not have been mis-sold it is still worth trying to ascertain if the amount of commission paid on the PPI premium was too high, under the Plevin rule.

The Plevin rule introduced by the Financial Conduct Authority came into effect after a Supreme Court decision in the case of Plevin v Paragon Finance 2014. The rule states that if over 50% of the PPI premium comprised of commission that went to the lender which you were unaware of, you can reclaim anything extra above that.

Complete our PPI High Commission check form if you think this applies to you.


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