PPI - Can you be asked to repay if you technically didn't apply

10 replies
Found 28th Nov 2016
One of my in laws received a letter from a (well known) high street bank saying they had sent a cheque that had not been cashed for PPI compensation, and were trying to trace her. She thought it was a scam as she had not applied, (and had moved in the last year). To cut a long story short - she thinks her ex husband applied and it has been divided into 2 because a bank loan had been in joint names when they were married (unbeknown to her...) and to her shock received a cheque for over £11,000 (and as she says, things like this don't happen to her - and she is undoubtedly one of the unluckiest persons I know!) Could they ask for this money back if they have made a mistake? She has never banked with the said bank or to her knowledge had a bank loan, they are the ones begging her to take the money...! She is on a very low income (but does work) single and receives housing benefit

10 Comments

Have you tried Citizens Advice

Phone them and get more information.

Banned

Get a solicitor, it's fraud.

Probably a scam but another possibility is the cheque is genuine but intended for a customer of the bank who happens to have a similar name and address as your relative, these sort of mix ups do happen occasionally.

Contacting the bank directly (obviously not via any contact details listed on the letter in case it is a scam) is the best bet, if it is a genuine mistake on the bank's part, the likelihood of your relative getting away with cashing the cheque is minimal.

WonkyDoctor

Get a solicitor, it's fraud.



​It's NOT fraud if she was named on a joint loan & the ppi is being refunded.

I'd get on the phone to the bank concerned NOT using the numbers on the letter, look it up or better yet take the letter to the branch & get them to help its what they're paid for.

I'd also speak to the ex if possible. Had a family member throw her partner out then it transpired he'd taken out a crap load of debt in her name, cards, loans etc & what's worse because he's the father of little kids she wouldn't press fraud charges against him so she's left with all the debt he refuses to pay maintenance (despite being a head teacher on £80k).

Go talk to the bank!!!

Banned

WonkyDoctor

Get a solicitor, it's fraud.



it might not be fraud.
alot of banks have been getting in touch with the customers instead of customers using these silly solicitors who charge 25%

If it is an error they will likely want it back at some point. I don't think it will be though, easy enough to check, just give the bank a ring and ask them what its from. Odd's are it was a joint name thing years ago. Had a similar thing with my mum recently, she noticed an extra 2k in her bank and got a call the next day from her ex saying the bank accidentally paid his PPI refund into her account with them bothering being at the same address when it was taken. She stupidly transferred it over to him!

Why not just walk Into you bank and speak to a human? Makes the most sense

What I would do is get in touch with another PPI claims company and say that your not sure if you ever had PPI before, give them your details and they will check to see if you have, If they get back to you and name the same Bank that has issued the cheque then cash it as its clearly for them
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