Father died - how to check his credit cards/mortages for PPI?

[ellejayzee]

Hello,

 

Pretty simple question really. My father died a few weeks ago, I'm his oldest daughter (not even 30 yet, never thought I'd be planning his funeral at this age).

 

We've since discovered he had three credit cards, and has three interest only mortgages, and two repayment mortgages (4 were buy to let properties, bought so mum would have a bit of an income should anything happen to him - all pre-2008 so needless to say selling isn't an option).

 

Dad was quite financially savvy so it's very unlikely he'd have paid PPI - but we'd like to double check to ensure he wasn't paying for something that wasn't needed.

 

Best case scenario - we find evidence of missold PPI and reclaim for mum to use paying off his cards. Second best case, PPI covers his loans/credit and are paid off in the event of his death. Worst case, there's nothing, in which case we lose nothing.

 

Any thoughts on how to start the process, and what he may have been missold on? Is it simply a case of checking his bills and seeing if there is an itemised charge for PPI? Or will it have been included in his interest rate/total charge?

 

Credit cards and mortgages would be the first starting point, but I'm assuming it could have been anything?

 

Also, I am executor of my parent's will in case they were to both die, however in the event of my dad dying he didn't (as far as I'm aware) have a specific executor. Would mum as his spouse be entitled to claim/investigate on his behalf?

 

Thanks so much for your help in advance. I've got a lot of reading to do, but hoping to get it all under my belt after the funeral.

[dx100uk]

sar to the original creditors

 

 

only ONE sar will be needed per 'bank' mind

 

 

dx

[ellejayzee]

Wonderful, thank you. I did try and ask each (when closing his credit cards) whether PPI had been paid

- two banks said they don't have that info,

and one said she'd transfer me to the relevant department and then hung up.

 

 

This bodes well, I assume...

[dx100uk]

lots of info in this forum and in links below here too

 

 

do it for free too don't use a fleecing CMC its simple as easy.

 

 

dx

[ellejayzee]

Could I use an agent to determine whether PPI has been paid, then do it myself? Or is it not worth the hassle?

[dx100uk]

no costs you

 

 

dx

[ellejayzee]

Cheeky lot ain't they!

 

With regards to SAR - I've also been told they can't be actioned for the deceased, is it worth sending one anyway, saying in effect 'as executor of his will, please send me all the details you have on my father [name]' etc?

 

Thanks again for all your help.

[Bazooka Boo]

Had a quick browse around internet trying to get a definite answer, but can't find anything??

 

I would give the ICO a call, they are usually (In my experience) very helpful..

[maroondevo52]

On the ICO's site they state......The Act only applies to personal information about a living individual.

[Bazooka Boo]

On the ICO's site they state......The Act only applies to personal information about a living individual.

 

Yep that's as far as I could get....I think calling them and asking for their advice would be best....

[dx100uk]

I've had 3 sets of SAR returns from various creditors.

 

 

I was exec/admin, simple included a covering letter

 

 

never once questioned

 

 

dx