Halifax loan PPI claim..

skydive39

In 2007 I took out a lon with Halifax for £10,000 and was basically told that unless I took out PPI then they would be unable to continue with my loan application (this was all done at my local branch).
After reading this site it gave me a kick up the behind to do something about my loan PPI which Im still paying for as I now know that I should never have had this forced upon me at the time I took out the loan.

I completed the PPI questionnaire on 1st December 2012 and on the 14th December they sent me an acknowledgement letter telling me that they were dealing with my enquiry and that I should here from them in the next 12 weeks. However , although I completed and printed out the large questionnaire (in detail), I didn't inlude a copy of the loan paperwork when I sent off this PPI form to Halifax and I'm now worried that they wont bother processing my claim until they receive a copy of this (although they havent actually called me asking for it but I get the feeling I'll either get a rejection letter or letter asking for my loan paperword in about 8 weeks time?!)...

Have I made a mistake not enclosing my original Halifax loan paperwork or are Halifax able to deal with my claim without this ??

I'd be extremely greatful for your expertise and comments folks...

di3004

Hi there and welcome

Try not to worry.
You do not require the paperwork in order for them to investigate and I'm sure if they no longer hold anything on the system they would have well by now had sent a letter to ask if you have anything at all.

See what happens from here, but I'm sure they may possibly still hold the details of the loan.

For example: myself and others have been successful from accounts taken out in the 90's, and not all kept the paperwork.

Good luck.

skydive39

Thanks for your reassuring words i guess i'll need to just be patient now and play the long waiting game !

Thanks again

Mike

wr1ght

i was successful with halifax without any documents so dont give up hope

skydive39

OK thanks, I guess the only real concern is that its now our (myself and my partners) word against Halifax's as we were told by the Halifax representative she would be unable to continue with the loan application without us taking out the PPI. If we'd have known this was optional we wouldnt have opted to take it out, it's so frustrating knowing how much money we have coughed up unnecessarily!

However this site has given us the confidence to start the ball rolling ourselves at least without having any 3rd party company involved (can you believe they can take around 37% of any successful claims they deal with its daylight robbery !)..

I must say the comments on this site give people the confidence to take on the banks themselves and more often than not with remarkable results .

Thanks:o

wr1ght

thats the same reason i gave halifax on two occasions 1 is paying out the other is in progress, halifax seems to be refunding without too much hassle compared to other companies

skydive39

How long did you have to wait for Halifax to process your claim?

skydive39

Having written to halifax and sending off forms in first week of December a NEW loan agreement from Halifax has arrived today for the remainder of the loan term (17 months left out of my 6 year loan), this details the NEW amount I'll be paying back each month minus the PPI which reduces my loan by approx £10 a month. Ok not a great deal but what about the last 4 and a half years they owe me? There is NO mention about a refund for the PPI I have paid to date ?...was this not obvious seeing as I completed the form from this website?..

Help folks.. any ideas what I should do next ?..do i simply wait a little longer?

thanks

wr1ght

i think its looking good sit tight

skydive39

wow that was good timing, just seen you reply thanks.

ok wait for it......I have received a refund offer today in the post from Halifax for £2500.00 !!!! I'm still in shock I cant quite take it in or believe it !, even though i've got the letter in front of me in black and white I dont think I'll actually believe it until I receive the cheque! They have confirmed a cheque will be sent to me very soon once they have received the NEW loan agreement form which we have already signed to say we're happy with and that we dont want the PPI anymore.

I'm so greatful to everyone on this site and in particular MR MARTIN LEWIS he needs a knighthood !!

How long do you think I'll have to wait for a cheque ?.. I hope they arent going to delay things now..

skydive39

Oh and I didnt fully understand the NEW loan agreement at first glance I assumed looking at the figures the new monthly payments would be £10 less per month...after re-reading and now fully understanding ....make that £40 less a month I'll now be paying !!! RESULT !!! :-)