ppi claim on my halifax mortgage

dodo1910

Hi peeps
I have a mortgage with Halifax since 2002 and I was sold PPi then I have just put a claim to Halifax over the phone.
#do you think I would be successful since it was10 yrs ago and the account is still active

#anybody had any dealing with Halifax and what was the outcome
# what happen next

please help

thank you Louise

Once_bitten

If you get rid of the PPI and something goes wrong will you be able to keep the payments up?

misschicken

It all hinges on whether you were mis-sold or not. Having PPI is not a cause for complaint, being mis-sold PPI is.

roonaldo

so you were mis-sold this and you have for it for 10 years and you still havent cancelled it. your complaint doesnt really stack up so far.

its not wrong or illegal to have PPI, especially to protect your mortgage.

magpiecottage

misschicken wrote: »

It all hinges on whether you were mis-sold or not. Having PPI is not a cause for complaint, being mis-sold PPI is.

At the time the mortgage was taken out the Mortgage Code Compliance Board, the (voluntary) mortgage regulator advocated recommending it in all cases. It had caveats about single premium versions but monthly premium was considered wise for the reasons Once_bitten has given the consequence of which could easily have been homelessness.

dunstonh

...although with this being Halifax, they are auto refunding on PPI. Whether you have a valid complaint or not. As the OP hasnt mentioned any valid complaint reason, this looks like it will be one of those that is getting lucky. That is of course, if she manages to suffer an accident, illness, unemployment and now finds the policy has been voided and she cant claim on it.

magpiecottage

dunstonh wrote: »

...although with this being Halifax, they are auto refunding on PPI.

I suspect their Lords and Masters and LloydsTSB will tighten up on this soon.

dunstonh

magpiecottage wrote: »

I suspect their Lords and Masters and LloydsTSB will tighten up on this soon.

It is strange as Lloyds are not autopaying other than small ones. Yet Halifax are. It is only a matter of time though surely.

rajini67

hiya - can you please advise for Halifax mortgage loans - from where can I find out if I had PPI??

dunstonh

can you please advise for Halifax mortgage loans - from where can I find out if I had PPI??

Most Halifax mortgages have PPI as a standalone payment via your current account each month. Older Halifax mortgages could take it with the mortgage payment but it would appear on your mortgage statement each year.

rajini67

i have checked my yearly statements but there is nothing on there - except my monthly mortgage premiums & the interest they have debited.

have god:

repayments administration fee
Early repayment charges

that all - pls advise??