Halifax PPI

kerry183

Has anyone had any experience of Halifax calling you for more information regarding your PPI complaint? I had a call yesterday and they wanted to know for the loan we had for a car, did we plan to get a car and did we keep the car or sell it? I didn't think this was relevant to the complaint - is it?

dunstonh

Timescale is an issue of consideration in looking at complaints. As can be the amount of savings you have. Financial need comes into it significantly as well.

The phone call asking questions to find things out is allowed. If you dont think something is relevant than say so. They can explain it and if you still disagree, they can then record you as refused to answer which could go against you.

kerry183

I'm happy to answer any questions just didn't think that this question is relevant to the ppi complaint really

[Deleted User]

kerry183 wrote: »

I'm happy to answer any questions just didn't think that this question is relevant to the ppi complaint really

I'd say you should fully assist with any enquiries the Bank makes with regard your complaint. Regardless of whether you feel the questions are "irrelevant", you don't want to do anything that might lead to the Bank rejecting you.

kerry183

Yes I will fully assist with all enquiries as I don't want the Bank to reject my claim. You just feel like your being tested on all the questions in your application and they are trying to catch you out on something, but I have nothing to hide and all the answers are true to what happened. Fingers crossed something will come through

[Deleted User]

kerry183 wrote: »

You just feel like your being tested

The telephone calls are just a normal part of their investigation and are not an attempt to trap the unwary complainant.

kerry183

Husband has just had a similar call from halifax and one loan was just in his name. He was asked very similar questions but also they asked was we planning on moving abroad - we are definitely not, but why ask this question????????

[Deleted User]

kerry183 wrote: »

why ask this question????????

The telephone calls are just a normal part of their investigation and are not an attempt to trap the unwary complainant.

kerry183

but really, are we thinking about moving abroad what has this got to do with mis selling ppi, i just dont understand

[Deleted User]

kerry183 wrote: »

i just dont understand

Just answer the questions honestly and you (or your husband) will do nothing to prejudice your case.

kerry183

Well all questions answered now so just have to wait 2/3 weeks for their letter.