Halifax cetelem

Any_bow

In December 2002 I bought a tv and other equipment from Dixons the electronic retailer. Using a monthly payment plan as this was in John the salesman words the best way to buy as it extended the manufacturers guarantee with a cover plan. John then asked basic questions like address phone number and mothers maiden name typing all this in to his computer when he finished he printed it all off and I signed at the bottom thinking I was getting a really good deal on my first tv. I was never late on a payment and only had to use the cover plan once which was with Dixon's and nothing to do with the payment plan that I didn't actually need. When I was looking through bank statements to see if i had ppi I found the letter for this saying I had chosen to have ppi the address at the bottom of the letter is the same as the Halifax which is my bank so I included it on the ppi claim form and sent it off. The reply I got from the Halifax named my accounts and said I had never had ppi but nothing was mentioned about the Halifax cetelem letter I had included.
Can anyone tell me if I can make a claim on this and if so where should I go please

Bermonia

You complain to the seller not the lender... Halifax did not sell you insurance as such they cannot consider a mis-sale complaint.

[Deleted User]

Any_bow wrote: »

In December 2002 I bought a tv and other equipment from Dixons the electronic retailer. Using a monthly payment plan as this was in John the salesman words the best way to buy as it extended the manufacturers guarantee with a cover plan. John then asked basic questions like address phone number and mothers maiden name typing all this in to his computer when he finished he printed it all off and I signed at the bottom

I don't think "john" mis-sold you anything: you actually used their Coverplan!
But your "complaint", if you decide to send it, should go to Dixons..

-taff

So you had a Cover Plan [which you used] and PPI on the credit agreement?
\These are two different things. One is like extended insurance to cover breakdowns etc, one might have been added to the credit agreement.
Both were sold by Dixons, so you complain to Dixons.
Be aware, it was prior to regulation so they can dismiss your complaint.

Kathyjj

Hi I am in exactly the same position, also December 2012, with my loan I also took out an Aura Card �� also with PPI the company was Halifax Cetelem which I’d nothing to do with Halifax. Has anybody else had any luck with finding out who to write to? It’s not Dixon’s either!

D_M_E

https://register.fca.org.uk/ShPo_firmdetailsPage?id=001b000000MfemJAAR

Seems they added PPI to any and all finance without telling the customer.

Nasqueron

D_M_E wrote: »

https://register.fca.org.uk/ShPo_firmdetailsPage?id=001b000000MfemJAAR

Seems they added PPI to any and all finance without telling the customer.

A claims company myth I'm afraid. PPI would be on the loan paperwork the customer signed up to. It's certainly possible they could have done pressure sales but logically if PPI was added without the customer knowing, the loan total would not match the amount agreed and the customer would immediately notice.

simonehg

I recently contacted the Financial Ombudsman regarding Halifax Cetelem and who to contact and they suggested contacting ''Cardif Pinnacle'' which I have and they are currently investigating my PPI complaint. Here are their contact details:
Pinnacle House
A1 Barnet Way
Borehamwood
Hertfordshire
WD6 2XX
Tel: 0344 801 2177
Hope this helps :-)

Nasqueron

simonehg wrote: »

I recently contacted the Financial Ombudsman regarding Halifax Cetelem and who to contact and they suggested contacting ''Cardif Pinnacle'' which I have and they are currently investigating my PPI complaint. Here are their contact details:
Pinnacle House
A1 Barnet Way
Borehamwood
Hertfordshire
WD6 2XX
Tel: 0344 801 2177
Hope this helps :-)

Cardiff Pinnacle are the provider, unless they had a staff member who sold it to you, they have no liability for the sale. FOS front line staff like to be helpful but aren't necessarily the best judges of these things. CF will almost certainly reject it if they didn't sell you it.