Halifax and PPI

Gazza_R

Hi all

I am about to claim PPI from Halifax from a loan back in 2003 for 20K for which on the form is a tick against yes to accept PPI but cannot remember ever requesting. There is my signature in the usual place but not against the PPI. I just believed that the amount to pay each month was what it was !

This is my first (of many I hope to reclaim ) and wish to know that I am going down the right road for this claim

Any help or comments appreciated.

Many thanks

Ps Martin and team - you do a brilliant job and have spent a few late nights reading your comments etc

marshallka

I would just get you reclaim letter in and see what they say. Just because there is a tick does not mean it was ever your tick and it sounds strange that you would sign for the loan and not the PPI.

Good luck and let us know what they say.

ps... if you need any help in the reclaiming then there is a guide here http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance and template letters.

Always send your letters by recorded delivery so you have proofs etc. and you have to give the firm 8 weeks for a full and final response. Don't be put off by a first letter saying "go away" or words to that effect. Most of them do this but you then reiterate your complaint and if necessary take it to the FOS.

di3004

Gazza_R wrote: »

Hi all

I am about to claim PPI from Halifax from a loan back in 2003 for 20K for which on the form is a tick against yes to accept PPI but cannot remember ever requesting. There is my signature in the usual place but not against the PPI. I just believed that the amount to pay each month was what it was !

This is my first (of many I hope to reclaim ) and wish to know that I am going down the right road for this claim

Any help or comments appreciated.

Many thanks

Ps Martin and team - you do a brilliant job and have spent a few late nights reading your comments etc

Hello Gazza and welcome.;)

Its possibly the PPI was automatically crossed or ticked after you signed, but with your reasons I would give it a go.

For more information here below, template letters to help you through this, and a checklist of mis selling reasons, if any of the also occur to you also write them as well, and they have 8 weeks in full to respond, post by recorded delivery.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck with this, please keep us posted and ask for help when required.:beer:

di3004

lol, sorry Marshallka.......:o;), missed your post.

Gazza_R

Hi all

Thanks for quick replies. Letter done and ready to go in the morning. Marshallka thanks for tip on recorded delivery, didn't think about that.

:T

di3004

Gazza_R wrote: »

Hi all

Thanks for quick replies. Letter done and ready to go in the morning. Marshallka thanks for tip on recorded delivery, didn't think about that.

:T

Your welcome Gazza....keep at them and the best of luck.:beer:#
We look forward to hearing the outcome on this.;)

marshallka

Gazza_R wrote: »

Hi all

Thanks for quick replies. Letter done and ready to go in the morning. Marshallka thanks for tip on recorded delivery, didn't think about that.

:T

You're welcome Gazza. Good luck;)

Gazza_R

Update for you all

Since starting this thread, wifey been searching all old bills and statements and so far letters going out to the following

Halifax - two letters (one 20k the other 23k)
Beneficial - one letter (cant remember amount but PPI was 60 quid a month !)

tomorrow night letters to be drafted to

Marbles
Argos
Debenhams
Natwest

No wonder i've got no money...................... rough Xmas but if all goes well then could be a good start next year. :T

di3004

Gazza_R wrote: »

Update for you all

Since starting this thread, wifey been searching all old bills and statements and so far letters going out to the following

Halifax - two letters (one 20k the other 23k)
Beneficial - one letter (cant remember amount but PPI was 60 quid a month !)

tomorrow night letters to be drafted to

Marbles
Argos
Debenhams
Natwest

No wonder i've got no money...................... rough Xmas but if all goes well then could be a good start next year. :T

Wow quite a bit there to come back Gazza:T:T:T
Good luck :beer:

lnkhumphreys

Hi Gazza

I sent my first letter to the Halifax on 21st October reclaiming PPI on a loan I took out in 2005 for £4000, I had a response more or less straight away stating that they didnt admit liability but has a good will they would pay out. A further two weeks down the line and they paid a total of 1493.00 into my account which included the 8% interest.

Good luck with your claims!!! I hope yours is as easy with the Halifax.

However I sent off letters to Lloyds TSB and Blackhorse at the same time but they seem to be fobbing me off. I'm just preparing for the second stages with them.

marshallka

Gazza_R wrote: »

Update for you all

Since starting this thread, wifey been searching all old bills and statements and so far letters going out to the following

Halifax - two letters (one 20k the other 23k)
Beneficial - one letter (cant remember amount but PPI was 60 quid a month !)

tomorrow night letters to be drafted to

Marbles
Argos
Debenhams
Natwest

No wonder i've got no money...................... rough Xmas but if all goes well then could be a good start next year. :T

Good luck on these Gazza.;)