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.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Halifax ppi
angela1234
Posts: 2 Newbie
I had a loan six years ago for 3000 with Halifax, couple of years ago I phoned them and Asked if I had paid ppi to which they said no, I have now received forms from the Halifax saying yes I did pay ppi I filled them in weeks ago and received a letter saying it will be investigated not heard anything since has this happened to anyone else
0
Comments
-
When you ring the Halifax the call centre staff probably can't see historical data (say if the loan was paid off already) so answered correctly (for their view).
I suspect you have received one of the letters they have sent out to everyone that has had PPI with the intention of being able to invoke a time bar on future complaints. The letter was not an admission of guilt or saying you were miss-sold, simply that you had it.
As you complained, they investigate and then come back and say yes or no. If they say yes you were, they will offer some compensation (assuming loan was fully paid off), if they say no, you are allowed to refer the case to the ombudsman to review and they will give you an answer in about 18 months (due to backlog).
Remember though, simply having PPI doesn't make you miss-sold so they may ring you up regarding your complaint - answer honestly else it'll come back and bite you on the bum
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards