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Have you claimed PPI on a deceased relative’s behalf?

With one year to go until the deadline for making a PPI claim, did you know that claims are also open to relatives of the deceased?

£31.9 billion may have already been paid out in PPI compensation, but today we’ve revealed the banks that are still being difficult to deal with for those wishing to make a PPI claim.

We have concerns that the banks’ difficult processes are putting some consumers off making a claim, or pushing them toward costly claims management companies.

And there’s another thing that hasn’t been in the interest of the banks to publicise – the fact that you can seek compensation for loved ones who have passed away.

In fact, 9 in 10 of those asked were unaware that PPI can be claimed on behalf of a relative who has passed away.

How to claim

It’s relatively little-known, but generally, if there is a will and a grant of probate has been obtained, all the executors named as the personal representatives of the estate on the face of the grant are authorised by law to bring a PPI complaint.

No will? Then a grant of letters of administration will be required. You can find out more about this in our full PPI claims FAQ.

The clock is ticking…

Over the next 12 months, there could be billions of pounds left to claim, and we want to make sure that as many people as possible who are entitled to that money get it.

With free tools available online and the ability to apply directly to your bank (despite some continuing to make it difficult!) you have nothing to lose.

With all the adverts and publicity over the last few years you could be forgiven for feeling a little fatigued about the PPI scandal, but with such little time remaining, have you checked to see whether you could be eligible?

Did you know you could claim on behalf of a deceased relative? And if you didn’t know this, are you now intending to make a claim?


I was not aware that PPI could be claimed on behalf of a deceased relative. Even if it does not apply to us it might be worth passing the information on to friends.

I’ve done the same – I also had no idea until Mel let me know ahead of this convo last week.

I find it staggering that nearly £32 billion has been paid out in personal protection insurance miss-selling compensation. I can’t believe that doesn’t exceed the total mortgage loan book value over the relevant period! I support the efforts of banks and building societies to protect themselves from unjustified or exaggerated claims and feel that perhaps they should have been more cautious previously.

As for the parasitic claims companies, I think they should have been so heavily regulated with capped fees that they would not exist; the financial institutions could have set up a joint industry-wide free-of-charge PPI resolution agency to pursue claims that had been rejected by the banks etc.