Too late to claim PPI on 1998-2003 Halifax mortgage?

Emanef

Hi guys

I was listening to Martin on Five Live the other day talking about PPI and it reminded me that I had a mortgage with Halifax (HBOS?) between 1998 and I think around 2003/2004.

Is it too late to claim PPI on that? Unfortunately, I have no paperwork or records of it myself. I have signed up to the Experian 30 day trial, but cannot find it on there either. All I know is the address I had the mortgage at and that I definately had it, and am pretty sure I had insurance to cover off work, etc.

Are Halifax just likely to say they no longer have the records with it being so long ago?

Thank you

Nasqueron

11 years ago, chances are they have deleted their records - you would need to prove you had it and then prove your complaint reasons.

What would your complaint reasons be that would mean the PPI was either unsuitable for you or that you could cover your mortgage payments + all other bills if you lost your job or were ill for an extended period?

Emanef

I think I was working as a contractor through my own limited company at that time (possibly, can't remember the dates for sure - may have been employed for some of it) so I'm not sure that it would ever have covered me. Can't really remember, I just remember them saying we needed it and we paid it as part of the mortgage.

I guess I could prove I had a mortgage with them through getting a copy of the land registry records (we sold the house in 2003/2004 though), which I recall having Halifax mentioned on it (I think), but I have no way of proving details of the mortgage, payments, etc were.

Not unless my bank (First Direct) hold records back that far.

dunstonh

I think I was working as a contractor through my own limited company at that time (possibly, can't remember the dates for sure - may have been employed for some of it) so I'm not sure that it would ever have covered me.

They would class you as self employed. Halifax MPPI covers self employed. So, not an issue.

Was the insurance definitely MPPI? Most people take out insurance with their mortgages. Life assurance is the most common.

Emanef

I honestly can't remember. It took me ages just to remember my old addresses to register for the Experian trial!

The memory has never been that good and has still managed to deteriorate with age!