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PPI Reclaiming Discussion Part 5

edited 30 November -1 at 1:00AM in Reclaim PPI & Other Insurance
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  • dunstonhdunstonh Forumite
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    My partner successfully re-claimed Mortgage protection insurance in around 2017. Having now repaid the mortgage he has recently noticed Halifax are still taking out the PPI payments despite the claim having been successful and the mortgage now repaid. There are potentially 2 years worth of payments that have gone out of his savings account at the rate of £165. a month (I still need to add up exactly how much has been taken) Halifax won't speak to me about it and ran him around several different departments when he called. How can we get the payments back and would he be entitled to make a new claim?
    Was the original complaint about the PPI in the Halifax TMPP policy?   If so, did the plan have any other segments such as life assurance or critical illness cover?      
    The PPI complaint would not cancel the other segments.  So, you would still expect to see a payment going out for them.
    If the plan was PPI only (which is unusual but possible) then you just raise another complaint saying they didnt cancel the PPI when they upheld the complaint.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • MattypattsMattypatts Forumite
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    Thanks for your reply dunstonh. To my knowledge the TMPP included life assurance and critical care. My partner was successfully able to claim that due to being in a senior position in the military he was covered by their own life assurance, critical care and death in service. Like many before him he took on the policy under the impression that the mortgage was only available on those terms. I will arrange for him to raise another complaint as you have suggested. Thank you for your advice.
  • edited 31 August at 1:49PM
    dunstonhdunstonh Forumite
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    edited 31 August at 1:49PM
    Thanks for your reply dunstonh. To my knowledge the TMPP included life assurance and critical care. My partner was successfully able to claim that due to being in a senior position in the military he was covered by their own life assurance, critical care and death in service.

    That makes it a very unusual case that would not follow the expected norm.   I can certainly understand the PPI element being upheld under complaint but not the life assurance or critical illness cover as neither of those are an issue for armed forces.  Indeed, the armed forces dont have critical illness cover as part of their package and death in service is only a small amount that would leave most families short of money still.  So, there is no reason for them not to be upheld.

    Are you sure they upheld the complaint against all bits and not just the PPI bit?  That would explain why there is still an ongoing payment after the complaint.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • -taff-taff Forumite
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    And if it is the case as Dunston points out, then a] he should have noticed this payment going out every month and b] ask very very nicely for it back, because if you complain, you may have to prove those elements were part of his perks. If you can, great, if you can't....
  • MattypattsMattypatts Forumite
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    Sorry for the delay. To update: He did have separate Life insurance/assurance cover through an insurer recommended by the military, it was not a perk. Having finally spoken to someone at the Halifax it seems the life insurance is still an active part of the TMPP and they are going to submit a complaint on his behalf and we should hear within 8 weeks. ..taff, I couldn't agree more, he should have noticed.
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  • dunstonhdunstonh Forumite
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    To update: He did have separate Life insurance/assurance cover through an insurer recommended by the military, it was not a perk.

    Dont get your hopes up.

    For a regulatory point of view, having multiple life assurance plans is normal and most people are woefully under-insured.  Complaints about life assurance tend to look at financial need at the time of purchase.     Typically, you would expect them to ask what the details of the other plan were and then they would look at your overall coverage.  its is within 20x income plus debts then you would expect to be rejected.

    That doesnt mean you will be rejected as banks are sometimes strange in outcomes. Upholding stuff that should not be upheld and rejecting complaints that should be upheld.   However, statistically and expectation, you would not expect the complaint to be upheld.


    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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