Payment protection insurance (PPI) – how to reclaim mis-sold PPI free

How to claim PPI for someone who’s died or where you have power of attorney

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You probably know that you can claim PPI if you think you were mis-sold it. But do you know you can claim for someone who’s died? Find out what you need to do.

How to claim PPI for someone who’s died

The process for claiming PPI for someone who’s died is similar to claiming for yourself. But you’ll need to be able to show the bank or card company that you have the authority to make the claim on their behalf. You’ll need to make the PPI claim by 29 August – as this is the deadline – and you can provide them with evidence that you have proper authority to do so as soon as you have it.

SAVVY TIP: You don’t need to use a third party company to do the PPI claim for you – you can do it yourself for free- and you don’t need any paperwork to start with. Providers have online tools that make PPI claims simple and will help you through the process.

If the person died with a will

If the person who died left a will, only certain people can make a PPI claim on their behalf. A will includes detail of who should sort out the deceased person’s legal and financial affairs (they’re called ‘executors’). They have to apply for the legal authority before they can do things like sell property, access money in bank accounts and pay bills. This process is called ‘probate’ in England and Wales and ‘confirmation’ in Scotland.

SAVVY TIP: If the person who died left savings below a certain level, and either didn’t own their home or owned it jointly, you may not need to get probate. The threshold level varies between banks – but can be as little as £5,000 and as much as £50,000. This article sets out the savings thresholds for probate for the main banks 

If the person died without a will

If the person died without leaving a will, the closest relatives (next of kin) can apply to sort out their financial affairs. Here, they’re called an administrator if the person who died lived in England or Wales, and an executor dative in Scotland.

Starting a claim for someone who’s died

You need to have the legal authority to sort out the financial affairs of someone who’s died, but you can start a PPI claim on their behalf without the paperwork to show this, as long as you provide it when you get it.

SAVVY TIP: According to the financial regulator, the FCA, unless you’re the sole executor or administrator, you’ll need to ask the other representatives for permission to claim for PPI on behalf of someone who’s died.

In order to get started, you will need the following details about the person who’s died:

• Full name
• Date of birth
• Addresses they lived at during the period you think they had PPI

You should contact all the banks, building societies, credit card providers and loan providers that the person who died had accounts with, or where you believe they had accounts in the past. It is tricky to prove what was said when they were sold the PPI policy, unless you know this, but you can question whether they were charged excessive commission or sold PPI when they weren’t able to claim on it.

You will also be asked to show you have the authority to make a PPI claim and to prove your own identity.

SAVVY TIP: You do not need to have gained probate to submit the claim before the 29 August deadline. But you will have to provide it before the claim can be fully processed by the firm. So, you can still claim before the deadline, even if your probate documentation hasn’t come through.

Some providers have specialist bereavement support or bereavement departments. Contact them if you’re not sure about the PPI claims process. If you have additional information, such as policy documents or numbers, or dates when they had the loan or card, that’s great.

SAVVY TIP: If you do have paperwork or more information, make sure you ask the bank or card provider to check whether your family member had PPI with any other loans or accounts they had.

Claiming when you have power of attorney for someone

If you have the legal authority to manage a family member or friend’s financial affairs through an ongoing power of attorney, you can make a PPI claim on their behalf. It may be that they have dementia or another illness which means they can no longer make decisions about their finances.

In this case, the process for claiming for PPI will be similar to that I’ve outlined above, except that the financial firm you’re claiming from will probably ask to see a certified copy of the power of attorney. Again, you can send in your claim without this but will need to provide it as supporting information later.

SAVVY TIP: You can get a certified copy of the power of attorney from a solicitor (you have to pay for this) or take the original to your bank branch and get them to do a copy there and then. It’s best not to send an original power of attorney certificate through the post, in case it gets lost.

Need more help?

If you don’t know where to start your claim, check the FCA’s PPI website  If you’re claiming for an old PPI policy and you’re not sure of the name of the provider, the FCA’s ‘search for provider’ tool is really useful

Related articles:

PPI deadline: 29 August 2019

Payment protection insurance – how to reclaim mis-sold PPI for free