Halifax c/card PPI - advice required!

bathgatebuyer

Trying to reclaim from the Halifax:

Have sent a claim to the Hellifax for £1900 worth of reclaimed PPI, and they have today written back saying no, bog off, or the banking equivalent of that.

Their nonsense letter is incoherent rot containing such magnificent displays of written English as, "You have made two claims on your cover on both occasions was declined causing her financial problems". Say what? Can't quite understand what that is meant to mean.

My main contention is that at the time I took the card out, the full terms and conditions of the cover were not explained to me. In particular that I needed to have been with an employer for 6 months or more before I could make any sort of insurance claim on my account. I had just started a job at the time (the card was going to be used for business expenses) yet in their response to me today, they have included the fantastically worded, "You also state that you had only just started your new jobs as a Surveyor when you arranged the cover, so why were the payments for the cover taken in May 200101" Again, What are they putting in coffee at the Halifax these days?! Their response doesn't even make literal sense.

They have suggested that the appplication was made via a mailing, and as such, I would not have received the documentation normally provided, i.e. Policy Schedule, Policy Booklet and Point of Sale Literature. They say that the application was received by post and stamped on the 22 May 2001 (so why does their nonsense letter appear to be saying that a payment was taken on May 200101 - whatever the hell point in time they mean by that).

They say that Halifax Ireland will have issued me with a Welcome Pack at the time of sale (something I do not have now, nor do I have any recollection of receiving), yet later on in their letter they suggest that the card was taken by mail and, as such, there was 'no involvement' from a Halifax adviser on this,

Finally with their letter, they enclose a copy of what purports to be my application form - wile it appears that my signature looks quite similar to mine, the rest of the writing on it does in no way shape or form bear any resemblance to mine. For example, in the section requesting names, there is no mention of my middle name, something I always use. The address of my flat at the time is incomplete. It contains a house number but no flat number. And finally, my job title is wrongly inserted. They claim that I've written under job title, "Charter Surveyor". Er, I'm a Chartered Surveyor, not a Charter Surveyor!!! Whomever wrote that form, clearly doesn't know what I spent 6 years training to be - I'm hardly likely to write it down wrongly after putting in so much effort am I?

So, what do I do now? I don't recall ever receiving any of the Welcome Information they describe. The handwriting on the application is not mine, even the way my salary at the time was written is not mine. I would always used a comma to denote £25,000 not £25.000 as is written. There's something really fishy about the way that form is written. It just is not my writing. I'm more than happy to stand in a courtroom and swear on my Mum's life that it is not in any way, shape or form, my writing.

I've paid just under two thousand pounds to this organisation thinking it would help me in the event that I was ever ill or unemployed, instead it turned me down on some daft term that was never explained to me at the time the card was taken on. And now they don't even have the decency to respond to me with a correctly worded letter in plain English instead giving me mumbo jumbo which doesn't even make sense.

Any suggestions?

bathgatebuyer

Sorry, but I'm bumping myself here!

bathgatebuyer

Got a response to my special delivery letter today from the Chief Exec's Office saying that the CExec is looking into those issues I raised in my letter.

They can refund me my premiums and we'll call it quits, or I can turn very nasty about them sending 'application forms' that aren't even in my writing not to mention the original issue of mis-sold PPI!