Halifax Loan 1998 PPI I DID SIGN "YES" can I still claim?

SuzieMum

Hi all!

I have finally gotten round to asking Halifax for old loan information, they quickly sent back copies of the whole agreement, with my signature clearly in the "yes to PPI box" rather than the "no thanks" box. BUT I was definitely forced to sign it by the in branch manager who said they wouldn't offer me the loan otherwise, I was 19 years old and it was my first experience of having a loan. I had 50% of the amount of the loan in a Halifax savings account (I have that proof), I had a secure job and lived at home with financially secure parents. I did not "need" it protecting.

Shall I try a claim form?

Any success in the same situation?

Thanks!

[Deleted User]

Your complaint is weak and weakened further by the signed agreement. However, you may get lucky..

SuzieMum

Ok, I will send my weak claim form off recorded delivery today! Will update.

[Deleted User]

SuzieMum wrote: »

Ok, I will send my weak claim form off recorded delivery today! Will update.

Don't send it recorded, just get proof of posting...

SuzieMum

Right you are, thanks!

SuzieMum

Hi, I have a little update and would appreciate any views.

I have received a letter today from Halifax with the subject: "Data Subject Access Request (DSAR) and it says... "thank you for your recent request regarding your HBOS accounts. If you want to apply formally under the DPA, a fee of £10 pp is payable...."

What is this for? They have already sent me ALL copies of loan agreements and I have sent off the Ombudsman PPI complaint forms! I surely have no further need to find out any information, or to pay them £10. Was it maybe a mistake that they so easily sent me the loan agreement based on the MSE template that I sent them simply asking for information on any loans I had with them?

dunstonh

What is this for?

A DSAR costs £10.

They have already sent me ALL copies of loan agreements and I have sent off the Ombudsman PPI complaint forms!

So, why did you ask for a DSAR? Something in your letter to them gave them this impression.

. Was it maybe a mistake that they so easily sent me the loan agreement based on the MSE template that I sent them simply asking for information on any loans I had with them?

That is a DSAR and costs £10.

[Deleted User]

SuzieMum wrote: »

the MSE template that I sent them simply asking for information on any loans I had with them?

This "information" costs £10.
If they are saying they have sent you the details informally then you aren't being charged.

Have they billed you or not?

magpiecottage

SuzieMum wrote: »

I had 50% of the amount of the loan in a Halifax savings account

Why? You will have paid them a higher interest rate than they paid you.

This will have been exacerbated by the fact that the interest you paid will have come from taxed income whilst the interest you paid them would have been subject to tax.

-taff

If it was single premium, you have god chance anyway, just fill in the forms and send them off or complain over the phone.

SuzieMum

dunstonh wrote: »

A DSAR costs £10.



So, why did you ask for a DSAR? Something in your letter to them gave them this impression.



That is a DSAR and costs £10.

If it was a DSAR why did they send me all the info and then send me a letter asking for £10 two weeks later from a different department?? I might just ignore it. I've got what I want!