BB-V-Halifax PPI

[BaldyBaldwin]

some Questions...
1. have been chaseing halifax about PPI for some time, recieved paperwork after CCA request only to have it stolen [bet the thief was happy when he/she opened rucksack] Are halifax obliged to send documents again if i do another CCA ?

2. should i send a Subject Access Request or cca to halifax insurers ?? or should i cover all bases and send both ??

3. as halifax,s insurers are based in Ireland [ halifax Insurance Irleland Ltd.] are they obliged by law to supply information.

many thanks for any advice given

regards BB

[BaldyBaldwin]

bump. . . .

[BaldyBaldwin]

bigger bump. . .

[hellhasnofury]

Originally Posted by BaldyBaldwin

some Questions...
1. have been chaseing halifax about PPI for some time, recieved paperwork after CCA request only to have it stolen [bet the thief was happy when he/she opened rucksack] Are halifax obliged to send documents again if i do another CCA ?

2. should i send a S.A.R - (Subject Access Request) or cca to halifax insurers ?? or should i cover all bases and send both ??

3. as halifax,s insurers are based in Ireland [ halifax Insurance Irleland Ltd.] are they obliged by law to supply information.

many thanks for any advice given

regards BB

Hello Bumpty BaldyBaldwin;860577

Sorry you have been bumping around and nobody is looking.

Did they send your CA recorded delivery, so how do they know that you received it. ah ha. Maybe write a letter to say how sorry and disappointed you are in not receiving it. MMMmm

The Ireland bit , what do you mean by that, did you apply to Ireland for the loan, I think not. It is the halifax bank that sold you the ppi. It is the bank that you are after not the insurance dept. if that makes sense

Absolutely send a Subject Access Request, a full sar, asking for everything.

Credit agreement should come, breakdown of ppi payments, the interest and what rate that was applied to the premium and the lenght it ran over the loan.

All writtten correspondence between yourselves. Copies of telephone conversations etc. You want everything. Be warned that they might give it to you bit by bit and you may have to push and push., but you will get it all

If you need help just ask

BreadwonThe ppi acc

[BaldyBaldwin]

thanks for the reply hellhas,
about the Irleland bit, whats happened is this...
took out a loan with halifax at local branch in england, fell into finacial difficulties, so got into arrears with loan, and good old halifax started lumping on charges, I then sent Data Protection Act to start reclaiming the charges back.
When documents eventually arrived i was shocked to see that a very expensive PPI had been added on.
I had never been told about it at time of taking out the loan, and had never recieved a policy.
I then sent them a CCA request and recieved a lot of paperwork including a signed copy of the PPI agreement. I had signed this believing it document relateing to the loan and not i to any PPI [i know, what an idiot, lesson to every one, never trust a banker]
Halifax also said that they had no other documents relating to the PPI and that i should contact there insurers direct, and gave me there address in Ireland.
So, thats the story up to now.
Data Protection Act on its way

Best of, BB

[reidnet]

Hi,
It does not matter that the Insurance company are based in Ireland, the fact is that the Agreement was taken out and signed in the UK and Halifax would be responsible as the selling agent of the Insurance. (The Insurance company are probably related to Halifax in some way too).

It does worry me that you have never had a policy from the Insurance, How the Hell (sorry hellhas ..no pun intended..lol) are you suppose to know the terms and conditions of the policy etc, if in fact a policy does actually excist. I would also send a Subject Access Request to the insurance company and see what information they have on you, and request a copy of the PPI policy relating to your loan account and ask for a breakdown of what payments have been made against the PPI policy.

You never know they may not even have a policy at all, It will be interesting to see what your Subject Access Request reveals..

Good Luck

Ian

[BaldyBaldwin]

thanks for the advice..

Subject Access Request sent off today, will let you now what turns up

Best of, BB

[hellhasnofury]

Originally Posted by BaldyBaldwin

thanks for the advice..

S.A.R - (Subject Access Request) sent off today, will let you now what turns up

Best of, BB

Brillant, just count the days now

[reidnet]

Good luck BB, if you need any further help just shout..

Ian

[BaldyBaldwin]

hooray. . . .large package from the goodly people at halifax. . . two very proffesional looking folders full of illegable rubbish mostly regarding phone calls , not sure who to, as they never phoned me, none of the things i requested, policy. exclusions etc.
I feel a letter comeing on

as usual any help and advice mucho appro

[BaldyBaldwin]

sorry about the mucho appro. . .that was my son. . .bless

[hellhasnofury]

Originally Posted by BaldyBaldwin

sorry about the mucho appro. . .that was my son. . .bless

Hiya BB,

I thought it was really coo

Maybe send this to them amend it to your details

Section 7 – Data Protection Act 1998

Dear Sir/Madam
Name xxxxxxxxxxxxxx

Loan Account no xxxxxxxxxx

I am writing to express my disappointment as regards to the lack of communication from yourselves to me, regarding the above account.
I sent a Subject Access Request on the 14th of January asking for all data held by your company to be released to myself. I have received nothing in any correspondence relating to the above account to date.

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 21st of September 2006 for the last 6 years bank transactions and I am sure that you are aware that I am in the process of taking legal action in respect to these unlawful charges.
I have again sent a separate Subject Access Request 14th January 2007, requesting all data that you hold in relation to the above loan and any information of previous loans held by your company.
The disclosure of personal data covered by Section 7 of the Data Protection Act 1998 is required in that the following documents have not been forwarded to me.
All data and personal correspondence letters and telephone calls, between your company and myself relating to the above account and loan accounts previous. Details about payments made to you and details of any payment protection insurance with these loans.


This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

You have a further 17days to comply.

Yours faithfully,





l

[BaldyBaldwin]

nice one hellhas, will adapt and get it off this weekend
many thanks BB

[BaldyBaldwin]

back up and running with this one.
over the last few months have been chaseing halifax to get more information.although reluctant to do so; Halifax have at last sent me a copy of the policy.
The policy confirms that the PPI was miss-sold due to pre existing medical conditions. In my case high blood pressure, this first manifested itself above 22 years ago when i was taken to hospital with a bad bout of palputations, ever since i have had constant checks by my GP and late last year i was hospitalised again with irregular heart beat and sky high blood pressure and am now on constant medication.

Now, this is the stupid bit (stupid of me that is) I have sinced recieved from halifax a copy of the credit agreement for the two loans and on both agreements i have signed the boxes agreeing to the PPI being added on to the loan. I know that sounds even more stupid (niave maybe??) but i just trusted the staff and signed were they told me to. But, as the staff at the branch never mentioned to me anything about PPI i had no reason to believe it was going to be applied to my loan.

Any comments gratfully received.

[hellhasnofury]

Originally Posted by BaldyBaldwin

back up and running with this one.
over the last few months have been chaseing halifax to get more information.although reluctant to do so; Halifax have at last sent me a copy of the policy.
The policy confirms that the PPI was miss-sold due to pre existing medical conditions. In my case high blood pressure, this first manifested itself above 22 years ago when i was taken to hospital with a bad bout of palputations, ever since i have had constant checks by my GP and late last year i was hospitalised again with irregular heart beat and sky high blood pressure and am now on constant medication.

Now, this is the stupid bit (stupid of me that is) I have sinced recieved from halifax a copy of the credit agreement for the two loans and on both agreements i have signed the boxes agreeing to the PPI being added on to the loan. I know that sounds even more stupid (niave maybe??) but i just trusted the staff and signed were they told me to. But, as the staff at the branch never mentioned to me anything about PPI i had no reason to believe it was going to be applied to my loan.

Any comments gratfully received.

Hello BB,

Wondered where you had gone to your last post was about nine months ago.

Exactly you signed the box where you were told to and they did not discuss the terms and condition with you, pre-existing medical conditions.

Sort out your figures and get after them

[BaldyBaldwin]

thanks for the encouragement, dont worry, i,m on to it as we speak

many thanks BB

[BaldyBaldwin]

have been trying to push halifax to admit that no checks as to the suitability of the PPI were carried out at the time of taking out the loan.
have received a reply from halifax, (including a copy of the policy, which i have never received before) saying i should read page 5 section 2 with regards to the eligability criteria. This section has a list of employment and medical conditions that could ineffective.

it would seem that what they are admiting to, is that there staff just sell a policy and it is up to the customer to try to work out if it is suitable to there needs.
Me thinks this clearly displays a lack of "a duty of care" on there part