PPI on a defaulted loan?

A question about : PPI on a defaulted loan?

I was trying a thought experiment the other day:

If someone defaulted on a loan an never paid the balance off and it was passed to a debt collection agency etc. could that person still reclaim PPI?

What if that person has since moved and/or changed their name (not to avoid debt collectors but on marriage etc.), would the lender be obliged to pass the debtor's new details on to the debt collectors? Would they do it out of spite?

Best answers:

• If a debt is statute barred, it can't be re- activated, but they can offset.