Claiming from Halifax for PPI

mooomin

Evening all

I'm really posting this on behalf of my partner. He took out a loan a couple of years ago to pay for a car. At the time I worked in a Halifax branch and asked my colleague to process the loan as for me to do it would not have been allowed for obvious reasons. She spoke to him on the phone and he completed the application and signed for the paperwork soon thereafter.

I had asked her not to supply him with PPI as he had only been working for (I think) two months at the time, and my impression was that he was therefore ineligible for cover. (I also felt it to be overpriced etc) She sold this to him regardless :mad: He thought he was getting something good, but had he been aware he wouldn't have taken the product due to exclusions for pre-existing medical issues etc.

We complained about this last year, and Halifax wrote to him saying that he had been working for a year when he took the loan out (Absolutely untrue) and therefore they were denying his claim.

As they have responded to the claim in full, are we able to contact them again about it? I hadn't found this site last year when I wrote to them and if I had known then what I know now....!

I feel strongly that he was missold this policy and that he is entitled to receive the full PPI costs back. He is very angry that my former colleague has done this, understandably so.

The loan is due to end in a few months, but if he has paid over the odds (I believe it's over £1000 in PPI on a £3000approx loan) then he should be entitled to some form of refund.

Any advice you could provide would help us out a lot.

Thanks,

flying_fresian

di3004

flying_fresian wrote: »

Evening all

I'm really posting this on behalf of my partner. He took out a loan a couple of years ago to pay for a car. At the time I worked in a Halifax branch and asked my colleague to process the loan as for me to do it would not have been allowed for obvious reasons. She spoke to him on the phone and he completed the application and signed for the paperwork soon thereafter.

I had asked her not to supply him with PPI as he had only been working for (I think) two months at the time, and my impression was that he was therefore ineligible for cover. (I also felt it to be overpriced etc) She sold this to him regardless :mad: He thought he was getting something good, but had he been aware he wouldn't have taken the product due to exclusions for pre-existing medical issues etc.

We complained about this last year, and Halifax wrote to him saying that he had been working for a year when he took the loan out (Absolutely untrue) and therefore they were denying his claim.

As they have responded to the claim in full, are we able to contact them again about it? I hadn't found this site last year when I wrote to them and if I had known then what I know now....!

I feel strongly that he was missold this policy and that he is entitled to receive the full PPI costs back. He is very angry that my former colleague has done this, understandably so.

The loan is due to end in a few months, but if he has paid over the odds (I believe it's over £1000 in PPI on a £3000approx loan) then he should be entitled to some form of refund.

Any advice you could provide would help us out a lot.

Thanks,

flying_fresian

Hi there

I would most definately write back, up until they give the final response.
Keep at them.

They should give details of the Financial ombudsman service (FOS) in the final response.

The way I see it, he has a good case here, and if they don't resolve this, the FOS surely will.

Good luck and please feel free to post anytime for help.;)

I bet you feel badly let down, but another thing is here, if this was taken out in the last 6 years, in England and Wales, he can always request for a Subject Access Request (SAR), where they must supply everything as requested on the SAR, going back as far as 6 years, details here and template:
http://forums.moneysavingexpert.com/showthread.html?t=1475553