Halifax PPI claim - Halifax slowing the process down massively

Huwbert

Got a PPI claim in with Halifax via the Resolver tool at the mo. Submitted it at the end of November '17. Had the first response which was riddled with inaccuracies just under 8 weeks later.

I sent my response back to them as a formal complaint as due the amount of inaccuracies in their response, key things like dates and addresses were wrong. Was told I should get a response to my complaint within 6 weeks.

Had a response just under 8 weeks later (end of last week) to say they need another 8 weeks to conduct further investigations.

Is this normal or stalling tactics? Can I refer it to the Ombundsman, given that they should have done their basic fact checking properly first time round? :mad:

societys_child

It's not a "stalling tactic" the longer it takes, the more interest (at 8%) they have to pay if your complaint is upheld.
You can refer it, but you'd just be joining another queue.

dunstonh

Is this normal or stalling tactics?

Why would they want to stall it? It just creates additional costs if they do.

Can I refer it to the Ombundsman, given that they should have done their basic fact checking properly first time round?

PPI is not typically sold under a factfind process. And pre-regulation cases (2005) often have little data.

You can refer it to the FOS but it will sit in a new queue and then the FOS will ask Halifax where they are with it and Halifax will still take just as long as they need to. Be patient.

[Deleted User]

"Stalling tactics" were indeed routinely employed by Banks prior to 2009 when there was a court case about Bank charges pending.
Nowadays, there is no such litigation pending and so there is no advantage to the Bank if there are delays.

So the answer is that you have simply suffered a delay due to the current volume of complaints..

Nothing sinister or suspicious..

Nadinerym

Nothing sinister or suspicious..

Well I have a little suspicion about that!! as my case was still under investigation since September last year. Prior to referring my case to the FOS, I called Halifax to see if their was any progress and they said no. The FOS contacts them and all of a sudden they replied within 2 days with an outcome that the FOS is revising before getting back to me.

[Deleted User]

Nadinerym wrote: »

Well I have a little suspicion about that!

So kindly explain what advantage there is for the bank if there is such a delay?

dunstonh

Well I have a little suspicion about that!!

Take the tin foil hat off.

as my case was still under investigation since September last year.

And some people were taking 2 years. Things were speeding up but the plevin ruling and the backlog that caused have slowed things down again.