Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • AndyFoz
    • By AndyFoz 11th Sep 17, 8:47 PM
    • 10Posts
    • 0Thanks
    AndyFoz
    PPI rejected by Halifax
    • #1
    • 11th Sep 17, 8:47 PM
    PPI rejected by Halifax 11th Sep 17 at 8:47 PM
    Hi all. Wonder if anyone can please help me? I received a letter today from Halifax to say all 5 PPI claims I had were not upheld for the following reasons;

    *eligibility concerns
    n.a. - considered due to understanding of the specific details of complaint -can see from your status at time of sale you were eligible for ppi policy took out.

    *suitability concerns
    sale was made on a non contact basis. As such, we were only required to provide you with information designed to ensure you could make an informed decision. It was then your choice to take out the policy or not.

    *optionality concerns
    led to believe could not get policy without the ppi. Evidence has been considered and believe it's more than likely that the optimal nature of the policy was explained.

    *information and disclosure concerns
    Believe it's more than likely the key facts about the service were made to me in good time.

    *unfair relationship concerns
    When ppi purchased, the ppi premium included commission paid by insurance company to the bank. At time of sale, lenders weren't required to inform me.

    I believe that PPI was offered as a prerequisite of my loans and I was not offered the loans without PPI. Do I have a claim or should I accept defeat?

    Really grateful for an opinion.
Page 1
    • dunstonh
    • By dunstonh 11th Sep 17, 9:05 PM
    • 89,515 Posts
    • 54,965 Thanks
    dunstonh
    • #2
    • 11th Sep 17, 9:05 PM
    • #2
    • 11th Sep 17, 9:05 PM
    I believe that PPI was offered as a prerequisite of my loans and I was not offered the loans without PPI. Do I have a claim or should I accept defeat?
    Being told you had to have it is a missale reason. However, it is a notoriously difficult complaint reason to get a complaint upheld on. Lots of people use it as a reason but its very unusual for a complaint to be upheld on that point. Many go on to be upheld on other reasons.

    Did you have any stronger complaint reasons? Were those points linked to the complaint you made or did they just list them?
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:05 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    • #3
    • 11th Sep 17, 9:05 PM
    • #3
    • 11th Sep 17, 9:05 PM
    I'm unable to post links because I'm a new member. Not sure if adding http to beginning if the following will help anyone? Thank you in anticipation!!

    ibb.co/cd6ORv

    ibb.co/fyCzYa
    • Moneyineptitude
    • By Moneyineptitude 11th Sep 17, 9:06 PM
    • 19,299 Posts
    • 9,399 Thanks
    Moneyineptitude
    • #4
    • 11th Sep 17, 9:06 PM
    • #4
    • 11th Sep 17, 9:06 PM
    I believe that PPI was offered as a prerequisite of my loans and I was not offered the loans without PPI.
    Originally posted by AndyFoz
    In the absence of any evidence to support your contention, the bank have looked at eligibility, suitability, information, and disclosure and found nothing wrong on all of these counts.

    Your only recourse is to refer your complaint to the Ombudsman, but I can't see the rejection being overturned because you can provide no evidence that you were told the PPI was compulsory.
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:08 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    • #5
    • 11th Sep 17, 9:08 PM
    • #5
    • 11th Sep 17, 9:08 PM
    Thank you for your reply, dunstonh. I listed that as my reason for complaint. I was in full time employment with a secure job and had good cover for sick leave and redundancy so don't think I required the PPI. Should I have worded it differently on the complaint?
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:11 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    • #6
    • 11th Sep 17, 9:11 PM
    • #6
    • 11th Sep 17, 9:11 PM
    Thank you, moneyineptitude. All of the complaints are regarding accounts from over a decade ago and sadly I don't have any paperwork any more to substantiate my claim. :-( gutted. :-(
    • Moneyineptitude
    • By Moneyineptitude 11th Sep 17, 9:11 PM
    • 19,299 Posts
    • 9,399 Thanks
    Moneyineptitude
    • #7
    • 11th Sep 17, 9:11 PM
    • #7
    • 11th Sep 17, 9:11 PM
    . I was in full time employment
    Originally posted by AndyFoz
    That just indicates you had need of the insurance,

    cover for sick leave and redundancy
    Originally posted by AndyFoz
    What sort of sickness cover?

    Redundancy cover is not guaranteed and will therefore not be considered.

    All of the complaints are regarding accounts from over a decade ago and sadly I don't have any paperwork any more to substantiate my claim.
    Originally posted by AndyFoz
    \
    Even if you had documentation, it would not support your allegation that you were told the PPI was compulsory.
    • IAmWales
    • By IAmWales 11th Sep 17, 9:12 PM
    • 1,229 Posts
    • 2,607 Thanks
    IAmWales
    • #8
    • 11th Sep 17, 9:12 PM
    • #8
    • 11th Sep 17, 9:12 PM
    The sale was made on a non contact basis. In what way were you made to believe the PPI was a prerequisite of the loans?
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:14 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    • #9
    • 11th Sep 17, 9:14 PM
    • #9
    • 11th Sep 17, 9:14 PM
    Moneyineptitude, my job entitled me (still at same job 17 years later) to 6 months full pay sick leave and 3 months half pay sick leave.
    • dunstonh
    • By dunstonh 11th Sep 17, 9:15 PM
    • 89,515 Posts
    • 54,965 Thanks
    dunstonh
    Thank you for your reply, dunstonh. I listed that as my reason for complaint. I was in full time employment with a secure job and had good cover for sick leave and redundancy so don't think I required the PPI. Should I have worded it differently on the complaint?
    Originally posted by AndyFoz
    To be eligible for PPI, you have to be employed. So, that confirmed you are eligible. Sick pay is not a consideration on non-advised sales (and this is a non-advised sale). Redundancy pay is not guaranteed and does not overlap with PPI.

    I was just surprised at:
    *unfair relationship concerns

    That is not something you would expect a provider to include in their response unless you had mentioned it in your complaint. Hence, I wondered if you brought it up in your complaint.

    What type of PPI was this?

    Halifax tend to roll over easily on loan PPI. MPPI they used to pay out easily on too but not so much any more.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:16 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    Iamwales, purely because I don't recall seeing a breakdown of a repayment figure with and without insurance which would have given me the option to choose. I'm 100% certain I would have picked the cheaper option given the choice.
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:18 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    Thank you. No, I didn't mention anything regarding it being unfair in terms if the relations in my complaint. Strange?
    • Moneyineptitude
    • By Moneyineptitude 11th Sep 17, 9:26 PM
    • 19,299 Posts
    • 9,399 Thanks
    Moneyineptitude
    I was just surprised at:
    *unfair relationship concerns
    Originally posted by dunstonh
    A Plevin reference?
    • Moneyineptitude
    • By Moneyineptitude 11th Sep 17, 9:29 PM
    • 19,299 Posts
    • 9,399 Thanks
    Moneyineptitude
    Moneyineptitude, my job entitled me (still at same job 17 years later) to 6 months full pay sick leave and 3 months half pay sick leave.
    Originally posted by AndyFoz
    You should probably highlight this to the Ombudsman if you decide to refer your rejection.

    Should I have worded it differently on the complaint?
    Originally posted by AndyFoz
    Too late for considerations like that as your complaint is already rejected.
    • AndyFoz
    • By AndyFoz 11th Sep 17, 9:58 PM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    Thank you, moneyineptitude.
    • -taff
    • By -taff 12th Sep 17, 6:45 AM
    • 7,344 Posts
    • 4,766 Thanks
    -taff
    The sale was made on a non contact basis. In what way were you made to believe the PPI was a prerequisite of the loans?
    Originally posted by IAmWales

    Again.....Non contact in what way?
    • AndyFoz
    • By AndyFoz 12th Sep 17, 9:55 AM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    GAFF, I Really don't know. I'm really not clued up on this lingo.
    • AndyFoz
    • By AndyFoz 12th Sep 17, 9:55 AM
    • 10 Posts
    • 0 Thanks
    AndyFoz
    Sorry, meant Taff!!
    • BorisThomson
    • By BorisThomson 12th Sep 17, 10:10 AM
    • 321 Posts
    • 457 Thanks
    BorisThomson
    Iamwales, purely because I don't recall seeing a breakdown of a repayment figure with and without insurance which would have given me the option to choose. I'm 100% certain I would have picked the cheaper option given the choice.
    Originally posted by AndyFoz
    Common sense would tell you that product + insurance will cost more than product alone.

    Did you do this complaint yourself, or did you use a template and tick anything that might apply?
    • Moneyineptitude
    • By Moneyineptitude 12th Sep 17, 11:08 AM
    • 19,299 Posts
    • 9,399 Thanks
    Moneyineptitude
    Non contact in what way?
    Originally posted by -taff
    I missed that in the Bank's responses. If that's an exact quote, then it suggests that the PPI was taken out by the OP via the internet (or by mail), which would mean that the OP mis-bought rather than was mis-sold. If that's the case, there is no point in the OP referring the complaint to the Ombudsman.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,538Posts Today

6,163Users online

Martin's Twitter
  • RT @thismorning: 'Sometimes the best gift is releasing somebody else from the obligation of having to give to you' says @MartinSLewis. Do y?

  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Follow Martin