House repossession

fogartylee

I had a mortgage with Halifax, and a loan via GE money. In 2007 I was unemployed and contacted both to see if firstly I had PPI, and secondly if I could claim. I was told on both occasions that I did have PPI and that I couldn't use it.

Subsequently, in 2007 my home was repossessed. The house was sold at a huge loss.

I haven't been chased by the loan company since then (around £20k owed), and Halifax only tried once to claim their amount (£16k) - we went to court and their case was dismissed as they didn't attend.

So, my question is, would I still be entitled to make a claim even though technically they are owed money from me?

Thanks folks

Nasqueron

You can try but they are within their rights to offset any refund against the money you didn't pay

dunstonh

It is probably too late to make a claim on the policy now. Not impossible but low odds that they will consider it.

if you mean complain rather than claim then you can do that. You could be timebarred (you have 6 years from purchase or 3 years from being reasonably aware of an issue to raise a complaint. They could argue the 2007 events started the three year clock).

If they do consider the complaint and do then uphold it in your favour, they are allowed to offset the refund of PPi against any shortfall they had from the repossession.