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How is mortgage PPI calculated

Hi all this is my first post but could do with some with picking some brains.
I sent in a claim for a missold Halifax mortgage PPI about 8 wks ago.

2 days ago we received a letter with the offer then in the same post was another letter with the cheque in.

How is this calculated out?

I want to check the amount is sufficient before banking the cheque.

I have been paying between £15 and £20 per month for 20 years.

Any help appreciated. thanks

Comments

  • dunstonh
    dunstonh Posts: 121,283 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    How is this calculated out?

    refund of premiums plus interest.
    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.
  • daybow
    daybow Posts: 2 Newbie
    So a cheque for £2500 doesnt quite cut the mustard then!!!!!

    The annoying thing is that the offer letter was supposed to have been dispatched on 17/2 but arrives on 03/02.

    Should i now not bank the cheque and get on the phone.
  • dunstonh
    dunstonh Posts: 121,283 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Halifax's "product" is one that placed life assurance, critical illness, PHI and PPI all in one "product". So, it is possible that they are refunding on the PPI side but not the others (assuming you had the others and havent complained about those)
    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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