Mis-sold policy but halifax refusing to pay up

biglad

Im posting on behalf of my mom as she is full time carer for my brother

she is basically a single house wife and my brother is at the age where he goes to school

she has a Halifax credit card and recently went through the process of reclaiming a mis sold policy to do with unemployment. she has not been employed for the last 20 years. she was told that she will recieve a rebate by someone on the phone but was unsure of amount.

today she recieved a letter saying they were not going to refund as she signed the agrement for the policy but because she ticked she was a helper on the form they say she has agreed she was employed. at the time of the form it did not have carer as an option

personally i think this is a joke cos she is not employed, what chance does she has if she decides to appeal

thanks in advance