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TMP Total Mortgage Protection - Halifax
hollyvstanton
Posts: 9 Forumite
Hi everyone,
I am in need of help, my dad has four different TMP plans and has been paying them for the pass five years and more! The thing is my dad is self employed and I'm under the impression he will not
Be covered and they have mis sold him TMP! Can anyone help how to claim this back and also of we are entitled
To do so?????
Your help and advice will be much appreciated
Thanks
I am in need of help, my dad has four different TMP plans and has been paying them for the pass five years and more! The thing is my dad is self employed and I'm under the impression he will not
Be covered and they have mis sold him TMP! Can anyone help how to claim this back and also of we are entitled
To do so?????
Your help and advice will be much appreciated
Thanks
0
Comments
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The thing is my dad is self employed and I'm under the impression he will not
Be covered and they have mis sold him TMP!
Why have you got that impression?
What parts of the TMPP has he got?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.0 -
Because my mother in law works at Halifax and has told me that it doesn't cover self employed people, I was just wondering if this is correct?
I'm not a hundred percent shaw do you know how I would find that out, he has got 4 all together?0 -
it does cover self-employed, but he needs to involuntarily stop trading ie go bust to claim the unemployment. there are no issues claiming on the sickness part.hollyvstanton wrote: »Because my mother in law works at Halifax and has told me that it doesn't cover self employed people, I was just wondering if this is correct?
also self-employment doesnt matter on the life and critical illness part.0 -
So would you say he his entitled to claim anything back then or not?0
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hollyvstanton wrote: »So would you say he his entitled to claim anything back then or not?
It would apply potentially apply to the MPPI element. Not the other elements.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.0 -
Would you go how i go about doing this?0
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did they issue you with a demands and needs statement? it just depends on what information you were given.0
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I'm not sure what information or things like that!
I just need to know where to start really
Thanks for your help0 -
just send a complaint letter to halifax saying he believes it was mis-sold as he was self-employed. they will investigate it and come back to you.0
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Is it as easy as that, do you know of I try and fail
Can I then get a company to investigate this for me! I have got the complaint letter from
Martin Lewis site is this the correct one0
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