PPI Halifax Credit Card

dazzercx

Hi All,

Hope someone can offer some adivce.

I have a Halifax Credit card and have had it for a long time (gotta be over 10 years now).

I got into a bit of trouble with a failed business around 6 years ago and maxed out the card to the tune of £13k. I remember making the minumum payments but the debt always increased due to PPI on the card. After a while I rang them up and cancelled the PPI. I also payed off all the debt minus about £800 still oweing. I paid this back about 5 years ago.

Anyway - is it worth me trying to make a cliam to get back the PPI payments? I have no old statements (put them all in the bin after I paid off the card) and no other paperwork whatsover. I think it was setup over the phone.

If it is worth it where would I find the correct addresses e.t.c to send a letter and how do I go about proving PPI was applied to the account and for how long?

Sorry for rambling on.

Thanks in advance for any help. If I could clear the remaining £800 it would leave me totally debt free!! - Live in hope

Darren

dunstonh

is it worth me trying to make a cliam to get back the PPI payments?

Was it mis-sold?

If it is worth it where would I find the correct addresses e.t.c to send a letter and how do I go about proving PPI was applied to the account and for how long?

Address is on their website. You dont need to prove how much you paid.

dazzercx

dunstonh wrote: »

Was it mis-sold?


Address is on their website. You dont need to prove how much you paid.

Thanks for the reply.

It was mis-sold, to the point that I seem to remember saying I had to have PPI or they would refuse the application. It was a long time ago.

Anyway, thought I would call up the Halifax via their PPI complaint number on their website and it seems that it was 6 years ago that I cancelled it and not 5 as I thought. I assume this as they are claiming no record and I have no proof so suppose I have no other options. Hindsight is a wonderful thing and should of sorted this out years ago.

Once again, thanks for replying.

Darren

wr1ght

DO IT
i just had my credit card cleared today due to a ppi refund i gave the same reason as you state for being miss so

dazzercx

wr1ght wrote: »

DO IT
i just had my credit card cleared today due to a ppi refund i gave the same reason as you state for being miss so

Thanks for the reply wr1ght but I think I missed the boat being at / just over the 6 year mark.

Glad you got your refund.

Thanks

Darren