We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Halifax Loan - PPI?

SPELLKASTER
SPELLKASTER Posts: 468 Forumite
in Loans
Took out a Halifax Loan over the internet in November or December 2011.

Although I am now on an IVA and the Loan has been sent to a company to dealt with it, how can I find out if there was PPI added on as I was never sent any paperwork for this loan!?

Plus, can I claim the PPI whilst under an IVA and use what I get back (if there is PPI) to help get the debt down?

Thanks.

:o

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    The reclaim section of the forum has a setp by step guide to find out if your loan had PPI and help you consider if you have a reason for claiming it was missold.
    Reclaim PPI & Other Insurance
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • SPELLKASTER
    SPELLKASTER Posts: 468 Forumite
    Thank you Tixy.

    How do I find out though Halifax address for their Collections Department?

    Thanks.
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Surely, if the op says they took it out over the internet they would have actually chosen to buy it, so a miss buy rather than a miss sale.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You beat me to it McKneff!
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • SPELLKASTER
    SPELLKASTER Posts: 468 Forumite
    i dont remember if it asked me about ppi at the time!!
  • jona26
    jona26 Posts: 31 Forumite
    Halifax had stopped selling PPI with loans well before November 2011 so you would not even have had it offerred to you if you applied online at that time.
    :eek: I work for a loan company - I do not post to represent the Company view or to promote their products or services. Please be nice to me!:eek:
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    jona26 wrote: »
    Halifax had stopped selling PPI with loans well before November 2011 so you would not even have had it offerred to you if you applied online at that time.

    So, presumably that answers the oPs question that they probably didnt have it then.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • chanz4
    chanz4 Posts: 11,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    was not spellkaster a windup poster from before?
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Vikipollard
    Vikipollard Posts: 739 Forumite
    Tenth Anniversary 500 Posts Name Dropper Debt-free and Proud!
    If this isnt a wind up, you will no doubt be asked by your IP to allow them to investigate potential PPI claims in any case ~ not that that means you cant do it yourself of course, but whatever it generates the IP will put into the dividend for your creditors any way.

    There's no harm in doing the preliminary stuff as per Tixy's post ~ as long as whatever reply you get you copy and send to your IP so that if, in fact, there was no PPI on the loan, they already know and dont f*nny about delaying your closure at the end.
    LBM July 2006. Debt free 01 Sept 12 .. :T
    Finally joined Slimming World: weight loss 33lbs...target achieved 51wks later 06.05.13 & still there :j
    Aim to be mortgage free in 2022. Jan 17 33250 Nov 17 27066 Mar 18 24498 Sep 18 20608 Nov 18 19250 Jan 19 17980 Mar 19 16455 May 19 15024 Nov 19 10488 Feb 20 8150 May 20 5783 Aug 20. 3305 Nov 20 859 Mortgage free, 02.12.2020
  • jona26
    jona26 Posts: 31 Forumite
    Or just phone Halifax loans and ask them rather than going through a PPI claims process?
    Instant answer rather than having to write letters and wait for a reply? Phone number is on the website.
    3 poss phone numbers depending on your loan type. All explained on the website.
    :eek: I work for a loan company - I do not post to represent the Company view or to promote their products or services. Please be nice to me!:eek:
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 348.6K Banking & Borrowing
  • 252.3K Reduce Debt & Boost Income
  • 452.5K Spending & Discounts
  • 241.3K Work, Benefits & Business
  • 617.8K Mortgages, Homes & Bills
  • 175.8K Life & Family
  • 254.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture