claiming ppi from a Halifax mortgage

jansus

Hi guys
I have sent a claim off to the Halifax for ppi from my previous mortgage.
I had the mortgage(arranged for me by a broker) from 2005 until 2017 and took it out as a single person.
At the time the Halifax rang me regarding the mortgage and i remember a long phone call with a chap asking me lots of questions re my employment status etc, i do remember feeling vulnerable as a single applicant and not really understanding all the jargon he was quoting to me.
So here is my question as a single person if i had been made redundant or lost my job at the time i would have been i dire financial difficulties,my only recourse would have been to claim unemployment benefit, so would this mean i have no claim as i would have needed ppi?
Just to add i had no idea i even had ppi until i dug out my paper work last week.
I am concerned i don't want to put my foot in it when they phone me.
Hope this all makes sense Thank you

[Deleted User]

You could have claimed on the PPI ha you lost your job.

If you are making a complaint, what are your complaint reasons?

jansus

Deleted_User wrote: »

You could have claimed on the PPI ha you lost your job.

If you are making a complaint, what are your complaint reasons?

Thanks for your reply
The fact i didn't know i had been sold it.

societys_child

At the time the Halifax rang me regarding the mortgage

Which time? When you took out the mortgage or when you complained about the PPI?

jansus

societys_child wrote: »

Which time? When you took out the mortgage or when you complained about the PPI?

When i applied for the mortgage

societys_child

You say the mortgage was arranged through a broker. That is presumably who sold you the PPI, If so, that is who you'd send any complaint to.



What does the paperwork you've found say? Why did you not read it at the time?

jansus

societys_child wrote: »

You say the mortgage was arranged through a broker. That is presumably who sold you the PPI, If so, that is who you'd send any complaint to.



What does the paperwork you've found say? Why did you not read it at the time?

Its with the Halifax i have the paperwork, as to why i didn't read it at the time, i think i had so much paperwork re buying a house i just didn't realise what it was for.

Nasqueron

jansus wrote: »

Thanks for your reply
The fact i didn't know i had been sold it.

2005 was when regulation of insurance sales from all sources, including brokers, started. There is no chance at all you took out some form of PPI without it being explained to you in full and you signing the paperwork to say you agreed to it. You may even had to have it to avoid paying a fee to the broker.


Halifax should shortly reject your complaint (assuming the broker wasn't working for them) as they didn't sell you it. You need to complain to the seller, not the provider.


Your circumstances as you describe them indicate a very strong need for PPI to avoid losing your house if you lost your income so I wouldn't hold out much hope of getting a successful complaint.

-taff

You had a broker. You would have met the broker, the broker would have sold you the cover, probably as part of his fee for doing his job. There is no chance he slipped something by you regarding this, you would have signed it paperwork to the effect that it was useful to you and that you agreed to it.

bondplant

hi
keep persevering. I woke up 6 months ago and realized that my wife and I who have gone through many life's traumas and good-times have paid out a commission or a so called insurance policy on many credit agreements in the past 30 years, when i have been covered by the same employer i am working for today. Trust?
bp

societys_child

. . . when i have been covered by the same employer i am working for today

What risks does your employer cover you against?