Thread: Halifax fob off

Hi

I wrote to Halifax asking for a refund of PPI as I felt it had been mis sold. It was sold over the phone and although I informed the advisor that I had adequate cover through my employer, they still managed to get me to sign up for their insurance!! (How dumb am I?) I asked for a refund as I felt pressured into buying their insurance when I didn't want or need it.

Also, the advisor did not explain that it wouldn't cover any pre-existing medical conditions. I have requested a copy of the credit agreement.

Have received a reply from Halifax which states having investigated my complaint it appears the sales process was followed correctly. The advisor would have explained details of the policy and would have recommended that I read the documents. Unfortunately, a copy of my credit agreement is not available. They have sent me a copy of a letter they sent to me which confirms the application details for the ppi and informs me to read the policy terms and conditions.

So basically they have told me to get lost. I know I have write back to them but am not quite sure of what to say. Can anyone help?


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Hi

It's actually a credit card and it was taken out in May 2007.

As I applied for the card over the phone I didn't sign anything at the time and I don't remember them ever sending me anything to sign either.

They initially sent me one those pre-approved letters, saying I could have the card. I then phoned them, they said I could have the card as I was pre-approved, they got me to agree to the PPI and that was it. A couple of weeks later the card arrived.

I have had a card with the Halifax since 2004 which i was told had PPI on it,well in august 2006 i contacted halifax insurance company to claim on PPI,i was told due to me not being able to prove the reasons for unemployment i could not claim for it, due to this and with help from an agency i complained to the financial Ombudsman service over being missold PPI,this was in late february, i am now just waiting to see if the ombudsman agrees or disagrees with this. sometimes i feel that the ombudsman does not realy care,or claims are hit or miss.

I have written again to the Halifax asking to provide me with proof that their representative acted appropriately and have also asked again that they send me a copy of my credit agreement. I don't think that they will provide this so I'm sure I will end up having to go to the Ombudsman.