Halifax loan with PPI

muay

Hi all hope your well,I got a loan with Halifax Bank in about 2004 watch had PPI but i never paid it off as i went bankrupt. I can not find the letter about my loan agreement so do not know how much my PPI was but i no it was a lot.
So is it worth me trying to get some of this back or not due to the fact that i did not pay it off.. Thank You.

di3004

muay wrote: »

Hi all hope your well,I got a loan with Halifax Bank in about 2004 watch had PPI but i never paid it off as i went bankrupt. I can not find the letter about my loan agreement so do not know how much my PPI was but i no it was a lot.
So is it worth me trying to get some of this back or not due to the fact that i did not pay it off.. Thank You.

Hi there
If you believe you were mis sold the PPI for some reason then yes still try, afterall its your money.

I would request a SAR first from them if you've not done so already, this is a Subject access Request, they have 40 days to comply and send eveything they have on you on your account(s), there is a £10 cheque or postal order payment for this, post by recorded delivery for your proof of posting and to keep a track on the 40 days they have, here below is the template letter, when you hear from them let us know there is also a PPI reclaiming discussion thread on this site as well, just click on loans first and that mentioned thread will be more or less on top of the page.;) We can then move on to the reclaiming side of it, however you can still try to pursue whilst waiting for the SAR to come back, let us know.
Cheers.

SAR - SUBJECT ACCESS REQUEST

Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.

I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours sincerely

muay

Thank you i will get right on to this and will keep posting about whats going on.

Krasnoludek

Hi Muay

I recently applied for refund of PPI with 2 loans from Halifax one was for 20k and the other was about 2k. Both were settled. I wrote to Halifax using the standard letter end of December, got a reply within 7 days to say we are looking into it and have got 2 letters back saying they do not admit fault but will refund all PPI with 8% interest.

I did not have the paperwork for the loans so signed up for a free credit check to check the dates and amounts which I put on the letters, the account numbers werent on the credit report just the last four digits, the rest of the number was ****. I copied and pasted that into each letter and no one questioned it. I might add that I have reclaimed two lots of credit card charges from Barclaycard & Bank of Scotland this way too and they have already issued refunds, so if you can save yourself £10 per letter it might be worth it, chances are they will reply with the account number anyway on your letter back

Good luck

K xx

muay

Krasnoludek thanks for the reply sounds like it all worked well for you.cheers
di3004 who do i send the letter to requesting my info my local branch or somewhere else. thank you.

di3004

muay wrote: »

Krasnoludek thanks for the reply sounds like it all worked well for you.cheers
di3004 who do i send the letter to requesting my info my local branch or somewhere else. thank you.

Hi there hun

I found this here, hope this helps and keep us posted of this hun and we shall take steps as soon as your ready with the reclaiming side of things.;)

L Bunker
Data Protection Consultant
HBOS PLC
Trinity Road
Halifax
HX1 2RG

muay

Well the letter has gone today lets see what happens.Thanks.

muay

Hi there a letter came today about my DSAR saying that they have received my 10 pounds and they can confirm they are processing my request but could i phone them to make sure they can match my exact requirements.
Should i phone ?
Thank you.

di3004

muay wrote: »

Hi there a letter came today about my DSAR saying that they have received my 10 pounds and they can confirm they are processing my request but could i phone them to make sure they can match my exact requirements.
Should i phone ?
Thank you.

Hi hun
That was quick then, "a response" or confirmation then.;)

At least now you know they are in the process of getting this together for you, hope you receive it before the 40 days in order to see if there is anything useful to help your reclaim.

I suggest to keep everything in writing, you could do both, but a letter you can keep proof of if you have to.;)

Good luck with this and keep us updated, cheers. X

nutmeg

muay wrote: »

Hi there a letter came today about my DSAR saying that they have received my 10 pounds and they can confirm they are processing my request but could i phone them to make sure they can match my exact requirements.
Should i phone ?
Thank you.

Hi muay

i had the same responce from Halifax regarding my SAR.
I did not phone them, i just sent a second request and a covering letter
asking them to supply ALL information requested
Hope this is of some help;)

muay

Well well just about dot on 40 days and my DSAR is here :T. But i have no idea what to look for .
Any help out there,
Thank you.