The Scottish Mail on Sunday

Why did I receive a £6,000 cheque for PPI I never had?


D.M. writes: I received a letter saying I had been named as executor in the estate of someone bearing my surname. The letter asked that any cheques I received should be forwarded to the writer. I knew that the deceased was not a relative of mine, so I returned the letter without noting the details. However, two weeks later a letter arrived from Black Horse Ltd, part of Lloyds Bank, with a cheque for £5,937. This is supposedly the result of a PPI claim, yet I have never even had payment protection insurance.

YOU tore the cheque into pieces which you sent to me with your letter. My first thought was that the cheque was fake, but might be accepted by your bank long enough for the £5,937 to appear in your account. Then you would receive an apologetic phone call, asking you to transfer the money elsewhere. And finally, when Lloyds bounced the cheque, your own bank would cancel the credit from your account, leaving you £5,937 out of pocket.

But I was wrong. The cheque you ripped up was genuine.

Helpful staff at Lloyds went back through their records and found that a firm of solicitors had submitted a PPI claim on behalf of the estate of a deceased client. It was the solicitors who for unknown reasons named you as the executor.

Although it was not directly the bank’s fault, Lloyds has sent you £100 by way of saying sorry for wasting your time.

If you believe you are the victim of financial wrongdoing, write to Tony Hetheringt­on at Financial Mail, 20 Waterloo Street, Glasgow G2 6DB or email tony.hetheringt­on@mailonsund­ Because of the high volume of enquiries, personal replies cannot be given. Please send only copies of original documents, which we regret cannot be returned.

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