PPI help

bez84

Hi everyone, first time poster.
I am in need of some help.
In 2006 I took out a loan for £15,000 from Halifax. Unfortunately not long after taking out the loan my partner passed away and at the time I was told that there was no insurance on the policy and used money form my mortgage PPI to pay off the full amount of the loan.
I was contacted by Halifax last year in regard to the policy and due to me moving house between the time of the loan being taken out and now, I have only recently opened the letter i.e. the letter was sent to my old address.
After reading through the document it states that only the first named person on the policy was covered for PPI.
1 - As my partner at the time dealt with all the finances it is quite possible that she was the first named person on the agreement
2 - I have lost the paper work as the loan was paid up in full
3 - Would the bank have told me if there was insurance on the policy if they knew they were mis-selling it anyway

I have sent a letter asking for a copy of the agreement recorded delivery, signed for on the 24th June, but as of yet have heard nothing. Surely if it turns out there was insurance on the policy and I was told that there wasn't I should get all my money back right?
Regards, Robert

dunstonh

After reading through the document it states that only the first named person on the policy was covered for PPI.

That is quite normal. Especially on loans and credit cards.

3 - Would the bank have told me if there was insurance on the policy if they knew they were mis-selling it anyway

1 - Not all PPI was mis-sold. So, there is no assumption on these things.
2 - the people that deal with deaths wouldnt know what insurances you have.

I have sent a letter asking for a copy of the agreement recorded delivery, signed for on the 24th June, but as of yet have heard nothing.

Did you include the £10?

Surely if it turns out there was insurance on the policy and I was told that there wasn't I should get all my money back right?

If there was PPI and it covered your partner, then you can put in a retrospective claim and it would be expected to be paid out as per policy terms.