How to claim for other people


One of the most frequent questions the Resolver Team gets asked is "how can I claim for someone else?"

Whether you want to claim PPI, flight delay compensation, or Delay Repay for someone else, we've put together this guide to claiming for other people.




Flight delays


Can I claim for flight delays for someone else?


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If you’ve just been on holiday and you’re wondering if you can make a flight delay claim on behalf of someone else, look no further.

Whether you’ve flown with Ryanair or EasyJet, there are a few things you need to know before you try and claim flight delay compensation for someone else.


  • It’ll most likely be fine to claim for a friend or family member who was on the same flight as you. Make sure you get permission first!
  • Many airlines will pay out compensation to the name on the ticket, so you may need that person to give the airline written notice if you want compensation to be paid to a different account.
  • Generally speaking, though, most airlines are pretty good at paying out compensation in the way that’s most convenient to you.
  • For more information on how to claim for flight delays, check out our Rights Guide.



PPI Reclaim


Can I claim PPI for a deceased relative?


Although PPI is now winding up (with the PPI deadline date of 29th August 2019 coming soon), we still get asked how to claim PPI compensation for someone else.


You might be wondering whether you can claim compensation for PPI that a relative took out – and things may be especially confusing if that relative has passed away. Here’s what you need to know.


  • Generally speaking, you can claim PPI on behalf of other people – but it depends on the bank.
  • If unsure, check with your bank to see if they’ll let you claim on behalf of someone else.

  • Claiming PPI for a relative who has passed away is possible, but needs a little bit of work.
  • A lot depends on whether you’re name on that person’s will as a ‘personal representative’.
  • If you’re named on the will as a personal representative, you can claim.
  • This is because the money owed in a PPI claim becomes part of the deceased person’s estate.
  • If you’re not named on the will, you’ll need a grant of letters of administration.
  • A letter of administration is generally only given out when there isn’t anyone name on the will who’s able to administrate it (or if there’s no will at all).
  • Check out our Rights Guide here.



Broadband


Can I claim for broadband problems even though I'm not named in the contract?


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Broadband problems can be irritating – especially if you’re living in a shared property.

If you’re looking to sort out broadband issues on behalf of someone else, whether it’s slow speeds, disconnections, or missed appointments, you might run into a few problems.

  • Typically, only the contract holder will be able to claim for broadband issues. Telecoms companies will normally insist on speaking to the person who has signed up, meaning you’ll find it difficult to claim for other people.
  • It’s worth knowing that many broadband providers are now paying out for certain types of issue automatically.
  • Check out our Rights Guide here.



Trains and Delay Repay


Can I make a Delay Repay claim for someone else?


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Delay Repay is the compensation scheme run by most train operators. It pays out compensation for significantly delayed trains.

If your train operator doesn’t automatically pay out Delay Repay compensation, you may end up having to file a claim yourself.

If you’ve travelled with someone else, you may want to know whether you can make a single claim for both passengers.

  • Depending on the train operator, you might not be able to!
  • Southern Rail, for example, has previously said that they require every passenger to make a separate claim – even if a group travelling together has encountered the same delay.
  • This is to combat fraud.
  • If in doubt, contact your train operator to find out more!
  • Regardless, you can raise as many cases as you like through Resolver! Just make a separate account for any other passengers.
  • Check out our Rights Guide here.

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