Thread: Halifax loan PPI

Hi

Would appreciate some guidance, got a loan with Halifax back in 2003 with PPI, found out I could have it removed so did so end of 2004 but was told that I would have to sign a new agreement which I did to get lower payments.

I wrote to them a year ago requesting refund based on cancelling PPI which was added to the loan as a lump sum payment, not suprisingly they said no. I have asked the fos to investigate them as a seperate matter and forgot about the PPI issue, I have just found out that you can also claim it back if they say you have to take the loan out and/or they tell you it limits your chance of getting the loan if you apply without PPI.

Halifax told me I'd probably not get the loan with out their PPI when I took it out but I took this as gospel and didn't realise this was a basis to reclaim, if I did I would have added it to the original request for refund last year.

Do you think I stand a chance or will I be told to get lost by the judge if I took it to court? I honestly didn't realise that you could request on this basis otherwise I would have included on my original letter.

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Hi Lihi

Have a look at this and see where you feel PPI has been mis-sold: PPI

Then you can read articles like this one that focuses on the types of complaints received: FSA update on its review of the sale of PPI

Use this info as a starting point to help you be clear about how you have been mis-sold PPI, then you can take it to the next stage with help from people in here.

Thanks for the links, appreciated