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  • FIRST POST
    • hammersfaniow
    • By hammersfaniow 13th Feb 18, 1:29 PM
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    hammersfaniow
    Halifax PPI Help Needed
    • #1
    • 13th Feb 18, 1:29 PM
    Halifax PPI Help Needed 13th Feb 18 at 1:29 PM
    I recently made a PPI claim against a Halifax Loan which I took out around 12/13 years ago. I gave details online and have received a 12 page questionnaire today, with 5 loan numbers on it ! I!!!8217;m assuming this means that there was PPI involved ?, as I have previously made a claim on a credit card but received a letter saying I hadn!!!8217;t actually used the card, so therefore no PPI was paid.

    As the loan was sometime ago now, I don!!!8217;t have all the dates, values etc of the loan/s that I took so I can!!!8217;t give this information, I can only guess roughly when they were taken out. Would this necessarily go against me or seeing as they have loan numbers, they will use that to access the info required ?

    It also asks for my policy/account number - I don!!!8217;t have any policy numbers, I!!!8217;d the account number referring to the bank account number it would!!!8217;ve been paid into ?

    Apologies for the vagueness of these questions, but it!!!8217;s that long ago and it!!!8217;s taken me this long to actually realise I might be entitled to something.

    Thank you in advance for any help
    Last edited by hammersfaniow; 13-02-2018 at 1:33 PM.
Page 1
    • zx81
    • By zx81 13th Feb 18, 1:33 PM
    • 17,257 Posts
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    zx81
    • #2
    • 13th Feb 18, 1:33 PM
    • #2
    • 13th Feb 18, 1:33 PM
    You fill out what you remember.
    • christine_williams5
    • By christine_williams5 14th Feb 18, 11:56 AM
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    christine_williams5
    • #3
    • 14th Feb 18, 11:56 AM
    • #3
    • 14th Feb 18, 11:56 AM
    Hiya, I did one not long ago for Halifax and mine had seven loan numbers on as I'd extended loans rather than there being seven separate loans if that makes sense? Just tell them what you can remember about that time.


    I couldn't remember what I took some of them out for, the first one was 20 years ago and for £500, I completed what I remembered but I had remembered clearly an appointment I had in the bank in about 2002 discussing whether I needed ppi and said I had full sick pay, injury on duty and death in service benefit and I was told by that lady that I wouldn't get the loan without it so I took it out.


    Some people then receive follow up calls but I never did. Halifax found in my favour about eight weeks later and I received a cheque about 10 days later.
    • IrishCloverleaf
    • By IrishCloverleaf 16th Feb 18, 4:55 PM
    • 7 Posts
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    IrishCloverleaf
    • #4
    • 16th Feb 18, 4:55 PM
    • #4
    • 16th Feb 18, 4:55 PM
    Fill out the questionnaire as best you can. The loans could be within a chain of loans (ie: you consolidated one to pay off the other), so it could be very messy. Best thing to do is pull out an old CV and see what your circumstances were at the time you may have taken out these loans. Another alternative, because your case is logged, call up the Lloyds PPI number (think its 0800 161 5175) and they potentially may have dates for you...
    • hammersfaniow
    • By hammersfaniow 18th Feb 18, 4:46 PM
    • 84 Posts
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    hammersfaniow
    • #5
    • 18th Feb 18, 4:46 PM
    • #5
    • 18th Feb 18, 4:46 PM
    Thanks for the useful replies, Iíve filled it in to the best of my knowledge, I know that I was self employed at the time the loan was taken, but also that when I changed to being employed whilst still paying the loan I was then covered by such benefits that mean if I did pay PPI then I will definitely be entitled to it back.

    Fingers crossed
    • IrishCloverleaf
    • By IrishCloverleaf 19th Feb 18, 12:48 PM
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    IrishCloverleaf
    • #6
    • 19th Feb 18, 12:48 PM
    • #6
    • 19th Feb 18, 12:48 PM
    Remember, its not what your circumstances are after the point of sale (with the exception of some circumstances that you knew were likely to change), banks are more interested in your circumstances at the point of the sale. If you were self-employed when you took out a policy, the majority of policies wouldn't have been suitable for yourself. You may get a phone call to go through your questionnaire.
    • dunstonh
    • By dunstonh 19th Feb 18, 1:06 PM
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    dunstonh
    • #7
    • 19th Feb 18, 1:06 PM
    • #7
    • 19th Feb 18, 1:06 PM
    If you were self-employed when you took out a policy, the majority of policies wouldn't have been suitable for yourself.
    Actually, the majority would have been suitable as they cover self employed fine. It is a significant minority that dont cover.

    You tend to find that loan and credit card PPI have more stringent requirements than MPPI or standalone PPI.

    I have just checked FOS decisions and can see that Halifax MPPI, credit card PPI, secured loan PPI and unsecured loan PPI does payout with no onerous conditions and the FOS have been rejecting the "self employed" reason when raised with against those products.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • IrishCloverleaf
    • By IrishCloverleaf 19th Feb 18, 2:38 PM
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    IrishCloverleaf
    • #8
    • 19th Feb 18, 2:38 PM
    • #8
    • 19th Feb 18, 2:38 PM
    Yes to some extent this is true. A lot of Halifax policies were onerous. It really depends on the literature and the key words. If the customer ever got them is a different story...
    • hammersfaniow
    • By hammersfaniow 19th Feb 18, 2:56 PM
    • 84 Posts
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    hammersfaniow
    • #9
    • 19th Feb 18, 2:56 PM
    • #9
    • 19th Feb 18, 2:56 PM
    Iím not sure what it will come back as regarding self employment, but the savings and personal insurance cover which I have stated on the questionnaire will automatically deem the PPI as unsuitable for sale at that time, if indeed there actually was any applied to the loan, it was that long ago !

    We wait and see....
    • dunstonh
    • By dunstonh 19th Feb 18, 3:09 PM
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    dunstonh
    but the savings and personal insurance cover which I have stated on the questionnaire will automatically deem the PPI as unsuitable for sale at that time
    Savings level tends to be around 1-2 years income. i.e if you earn £25k a year then your savings need to be around £50,000 for it to be high enough. If you had say £5000 then its not enough.

    The savings level tends not to work with loans as generally, people with sufficient savings do not take out personal loans.

    Alternative personal insurance only impacts on advised cases and not non-advised.

    Single premium added to debt loan PPI tends to get upheld more often than not. So, whilst those reasons may not apply, there is a good chance it will still succeed. If you had it.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 19th Feb 18, 3:47 PM
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    Moneyineptitude
    automatically deem the PPI as unsuitable for sale at that time, if indeed there actually was any applied to the loan, it was that long ago !
    Originally posted by hammersfaniow
    I'm frankly amazed that you are able to provide detailed reasons for mis-sale, but you are not even aware of whether you even had the insurance!

    Your savings and other insurance will not "automatically" indicate that any PPI was unsuitable I'm afraid.

    However, the five loan numbers you've been provided by the bank might indicate a consolidation chain of loans. If this is the case and any PPI was front loaded for each then I'd say you have a very good chance of success.
    Last edited by Moneyineptitude; 19-02-2018 at 3:50 PM.
    • CAbbott16
    • By CAbbott16 19th Feb 18, 5:00 PM
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    CAbbott16
    Halifax telephone call charges re ppi
    Dear All, please beware of the charges when calling the 0800 numbers ( Halifax, Lloyds etc).
    I have just been charged FIFTEEN pounds for ringing 0800 151 0293 Halifax PPI Customer Services ,Leeds.
    This is absolutely appalling, can they charge this extortionate amount for a phone call, are they trying to 'claw back' funds, I have no idea. Anyone else been subjected to these horrendous charges.
    • dunstonh
    • By dunstonh 19th Feb 18, 5:03 PM
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    dunstonh
    Dear All, please beware of the charges when calling the 0800 numbers ( Halifax, Lloyds etc).
    0800 is free
    I have just been charged FIFTEEN pounds for ringing 0800 151 0293 Halifax PPI Customer Services ,Leeds.
    Halifax are not charging you for using a freephone number.

    This is absolutely appalling, can they charge this extortionate amount for a phone call, are they trying to 'claw back' funds, I have no idea. Anyone else been subjected to these horrendous charges.
    You may wish to raise this with your phone operator and ask them why you have been charged by them (not Halifax) for using a freephone number.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 19th Feb 18, 5:13 PM
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    Moneyineptitude
    I have just been charged FIFTEEN pounds for ringing 0800 151 0293 Halifax PPI Customer Services ,Leeds.
    Originally posted by CAbbott16
    Are you certain this was the number for which you were charged by your telecoms provider? 0800 numbers are automatically free on landlines and (since 2015) on mobiles.
    Take it up with your provider.
    • hammersfaniow
    • By hammersfaniow 19th Feb 18, 5:44 PM
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    hammersfaniow
    Decided to do a bit more digging and a friend of mine actually worked for one of the companies that RBS, Lloyds, Halifax etc use to assess the claims and decide if policies were missold.

    Savings certainly don!!!8217;t need to be 1-2 years salary, you need to have had enough to cover 18 months of the loan repayments and have been instantly accessible. If you had 6 months full sick pay, or 6 months full redundancy pay then this too would trigger an automatic refund of the PPI. Same if you had 1-2 years death in service cover.

    As for not being aware if there was even PPI on the policy, I!!!8217;m sure thousands of people can!!!8217;t remember details of loans started 12 years ago and have been finished for 7 years, but we can remember employment details, savings etc
    Last edited by hammersfaniow; 19-02-2018 at 5:46 PM.
    • dunstonh
    • By dunstonh 19th Feb 18, 6:03 PM
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    dunstonh
    Savings certainly don!!!8217;t need to be 1-2 years salary, you need to have had enough to cover 18 months of the loan repayments and have been instantly accessible.
    FOS decisions dont support that.

    If you had 6 months full sick pay, or 6 months full redundancy pay then this too would trigger an automatic refund of the PPI.
    FOS decisions dont support that.

    Same if you had 1-2 years death in service cover.
    DIS has no overlap with PPI. So, that point is irrelevant and has nothing to do with PPI. Did your friend actually work in the decisions team or was it the canteen?
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • hammersfaniow
    • By hammersfaniow 19th Feb 18, 6:07 PM
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    hammersfaniow
    The lowest form of wit being used there

    They actually worked in the relevant department that handles all the final decisions on repaying PPI

    But I await your links to where it differs from this according to the FOS
    • Moneyineptitude
    • By Moneyineptitude 19th Feb 18, 6:35 PM
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    Moneyineptitude
    But I await your links to where it differs from this according to the FOS
    Originally posted by hammersfaniow
    I think you should search the FOS website yourself rather than ask another poster to do the work for you.

    Nothing you have detailed will trigger an "automatic" refund.

    If I were you, I'd concentrate on finding out whether your five account numbers are a consolidation chain as I mentioned earlier. You have far more chance with that line of investigation than with any savings or personal insurance.

    Rather than simply guessing that you may have had PPI, why not simply ask the Bank directly if you had it? Could save you a whole lot of effort constructing a (non) complaint.
    • hammersfaniow
    • By hammersfaniow 19th Feb 18, 6:45 PM
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    hammersfaniow
    I was merely asking for evidence of what was suggested after my previous quote was mocked - no harm in that.

    Letís leave it there for now and Iíll report back with the outcome
    • dunstonh
    • By dunstonh 19th Feb 18, 7:00 PM
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    dunstonh
    First one I found on the FOS website:
    http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=147924

    12 months sickpay. Rejected as the policy paid out in addition to sick pay (if it hadnt, it would have been upheld - this is pretty standard criteria)

    http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=160858

    This is the next Halifax one in the list and it shows 6 months full pay and rejected. It also disregards savings as they are within an ISA and the savings value exceeded the amount borrowed.

    http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=142063
    The third one on the Halifax list said they had £20,000 in savings but it was rejected.

    http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=168559
    This one has between 6-12 months salary in savings but was rejected.

    Clearly your friend didnt work on any of these cases. To be fair, until about 12 months ago, Halifax were a soft touch. They were paying out on things that others would have rejected. They have tightened up since then and you are seeing more rejections now. And you are also seeing lenders across the board take notice of FOS decisions more. Things they upheld early on get rejected now as they learn more about what is and is not acceptable.

    There is always a human element to these things. You sometimes see dead cert complaints get rejected and complete try-it-ons with nothing wrong get upheld.

    The thing with the savings element is that there is no 12-24 months rule. It is left at discretion but the FOS look at expenses and the benefit of the cover relative to the savings. A policy that would only pay out for £100pm would likely be upheld with a relatively low amount of savings. A policy that covered £500pm would need a much higher level of savings. The savings need to be accessible, not in a tax wrapper and not risk based (investments). If the person was borrowing money instead of using savings then they are most likely to reject the savings argument as they clearly prefer to borrow rather than use their savings and dont want to put their savings at risk (as an FOS decision said)

    Your complaint could well succeed. I am just saying that your comment about definitely being missold is not quite right in about those things.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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