Halifax mortgage ppi success.

123elle

Hi this is my first post, but i would like to thank everyone on this site for giving me the confidence to put in a complaint to Halifax with regards to TMPP ins. on our mortgage. I called Halifax on the 25nov2011 and explained why i thought we had been mis-sold TMPP ins. with our mortgage. The lady at Halifax registered our complaint. My reasons were - I was only 21 at the time and the guy in the Halifax told us if we did not take out the TMPP ins they would not give us the mortgage because of my age and that it was compulsory, we had to take it to get the mortgage. ( This was always going to be hard to prove as this was going to be our word against theirs). Also my husband and i both have good jobs and we both get full sick pay if off work. I also put everything in writing to Halifax with the reasons, and sent that recorded delivery. We got a letter the following week to say they had acknowledged our complaint and we would hear from them within 12 wks. I received a phone call after 6 weeks saying they were upholding our complaint and refunding all premiums plus 8%, and that they would send letter out to confirm. We received the letter on 6th Jan with total amount to refunded of £14580 :j . and the cheque arrived today :beer: so in total from complaint to receiving cheque just over 8 weeks. We are well on our way to being debt free, thank you so much to everyone on this site xxx

dunstonh

This was always going to be hard to prove as this was going to be our word against theirs

Normally that is true. However, Halifax are auto upholding complaints whether you have grounds or not.

Also my husband and i both have good jobs and we both get full sick pay if off work.

With 6 months full pay, 6 months half (which is what full sick pay would be defined as), it was clearly inappropriate. So, even if they were looking at complaints more closely, they would fall foul with that one.