Help needed - Halifax PPI claim

CLH_74

Hi all,

Many thanks in advance for helping with my query!

I submitted a claim to Halifax via the Resolver app for PPI that I may have had on a credit card that I took out in 1998. I suspected I had PPI but had no paperwork so had no way of knowing for sure. Halifax have since confirmed that I did indeed pay PPI between 1998 and 2004.

I was sent a long form to fill out, which included details of where I was working at the time, which I knew, but what I wasn't sure of were my terms and conditions of employment at the time (unfortunately I have no paperwork and the company where I was working no longer have my records due to data protection).

I'm afraid that I hazarded a guess and said that I had redundancy pay and also 6 months sick pay. This was likely to have been my terms of employment but I can't say 100% for sure. Halifax then called me back to verify details and essentially went through the exact same form again asking the same questions - I suspect that I answered slightly differently.

They would now like to call me back this Friday to again verify some information and I am now not sure what to do.

My questions are:

- How important is this information? Is it essential to provide? Will Halifax still pay out without it?

- Should I come clean and say I don't have the original paper-work and was just guessing, or will this automatically kill any chance of the PPI refund?

Many thanks.

dunstonh

- How important is this information? Is it essential to provide? Will Halifax still pay out without it?

Depends on what evidence they have and the information they have. Many banks have built up a database of employer benefits. If you say your sick pay details are the same as what they hold then they dont ask you for anything. If you claim you have longer sick pay than what they hold for that employer then they will usually ask you for evidence. If they hold nothing for that employer and its small local company, they will usually assume you have little sick pay other than statutory (statistically, whilst most people think they have 6-12 months suck pay, the majority only tend to have 6-12 weeks). That is unless you can provide them with anything showing what you had.

- Should I come clean and say I don't have the original paper-work and was just guessing, or will this automatically kill any chance of the PPI refund?

you shouldnt be guessing anything. If your complaint is borderline and they have evidence to counter what you are saying then you start to lack credibility. Borderline complaints tend to go with the most credible side.

Firms are not expecting you to remember things from way back. If you dont know, you should say so. They tend to take a closer look at those who claim perfect recollection or make things up.

CLH_74

Thank you very much! The problem is, I have already made it up. Guess I shot myself in the foot. Lesson learned!

dunstonh

You may have done but you may not. If they start questioning you more on employer benefits, make it clear that you cannot be too sure as it was a long time ago.