Halifax PPI form - is it necessary

Alanski

Hi All,


I have received a form from Halifax Bank, regarding PPI being mis-sold to me in 2002. They admit I was sold PPI, but in the form they ask about my employment status, employment benefits, my savings, health and other insurances during that period. How I'm supposed to recall all this information is problematic, but how should respond to these questions? Any feedback much appreciated.


Alanski

[Deleted User]

Answer what you can, and leave what you don't know blank.

Don't make stuff up.

dunstonh

They admit I was sold PPI,

It's not an admission. They will confirm it. Remember the issue is not about having PPI. THere is nothing wrong with that. It is about how it was sold to you.

Its not necessary to fill the form in. They can make a decision based on limited information if you prefer. However, with less info, they are less likely to uphold the complaint.

How I'm supposed to recall all this information is problematic, but how should respond to these questions?

Truthfully. And if you cant remember then say cant remember.

Alanski

Thanks very much for feedback!

neph_2

Hi, I'm in a similar situation. I received letters confirming several PPI and the same 12 page questionnaire for each PPI. I dont have any information to what the PPI's are for, when they were taken out all I have is the reference number given by the Halifax. I called them today to get more information and spoke to a pleasant but stonewall lady who said that the background information is only released once a decision is made. I responded that I cant fill in the forms without this information and was told to just fill out what I can for a decision. The reality is I have nothing at all other than my current address and signature to put on them......


What to do ? It seems to me if I send them back with just a signature and no information it will be case dismissed or is this just a blocking admin maneuver ?

-taff

You are the one complaining about a missale.
You could send a SAR and see what info is left, then fill the form out, or you can fill the form out with what you remember.
Either way, they will be using what info they have to investigate.


If you think about it logically, you are sending them a complaint about something you don't remember anything about or have any info about yet you think this is a blocking manouevre?

dunstonh

I responded that I cant fill in the forms without this information and was told to just fill out what I can for a decision.

As taff says, you are the one that is making an allegation of wrongdoing. So, if you have no reason, you just fill them in as much as you can and say you cant remember where you cant.

They are not blocking you. They are trying to find out why you are accusing them of doing something wrong.

neph_2

Thanks, I understand. However before I can make an allegation I surely need to know circumstances from 15 years ago. Most of the information asked for by the Halifax they already have so even having a space for it is silly. Why do I beleive I was missold ? No idea unless a timescale is defined and I'm told whats it for.


Not being a pedant but it seems they are asking me for information they already have and I don't

dunstonh

However before I can make an allegation I surely need to know circumstances from 15 years ago.

So do the bank. Which is why they are asking you.

Most of the information asked for by the Halifax they already have

Or probably dont have as 15 years is pre-regulation. So, the level of detail required on pre-regulation cases is often little more than an application form.

They ask the info because some of what you say may show a missale reason that they cannot identify at their end.

Why do I beleive I was missold ? No idea unless a timescale is defined and I'm told whats it for.

So, perhaps you were not missold then. Most people who were missold usually know they were.

Not being a pedant but it seems they are asking me for information they already have and I don't

Your assumption is that they have the info already. This is not a correct assumption.

HAYLEYTAY

Hi All,
I would like to join this thread as I have a similar query in relation to a Halifax 25x year mortgage I had with my husband who has now passed away which completed in 2001.
After filling in many forms as Alanski mentions above, recalling information from more than 35 years ago which I could not remember exact details about our savings, insurances as my husband is no longer here to ask.
After discussing over telephone conversation with a Halifax member of staff they informed me that if I had savings I would probably not have been miss sold.. is this true?
Just a few months ago I received a verdict and letter from Halifax that they had concluded I was not miss sold PPI.
My question is, is it worth appealing as I don't know how they concluded to that decision if I don't even remember?
Appreciate advice, thank you.

dunstonh

After discussing over telephone conversation with a Halifax member of staff they informed me that if I had savings I would probably not have been miss sold.. is this true?

With loan and credit card PPI, having savings of more than a years income is a good complaint reason. With MPPI, it is less so. This is due the long term nature of mortgages.

Just a few months ago I received a verdict and letter from Halifax that they had concluded I was not miss sold PPI.

Most MPPI complaints fail. Both at bank and FOS. It suffers fewer issues and is one of the better types of PPI. You can still buy it today.