Thread: Halifax PPI Claim ***WON***

Hi All,

Just would like to ask a quick question. I've sorted through All the paperwork, calculated the refund and sent my PPI letter to Halifax recorded delivery.

Only problem is I sent the mail last Thursday and it's still not showing up on the Post Office tracking service! I've given a 14 day response time on the letter, should I send another one with a new date?

Suggestions and experiences would be gratefully welcomed!

Cheers.

Thanks for the response BB. I'll leave it another day or two, if it doesn't show anything by then I'll send another one and hopefully that one will show up as delivered. As I understand I need a proof of delivery in order to start the 14 day count down I stated in my letter?

Cheers.

Thanks for the links aa. It’s really infuriating! I had this problem when I claimed back my bank charges…it turned out only about 3 of 5 letters I sent actually got delivered! I left it go last time but this time I’m going to chase it up! I never usually use the post so the stamp book can go to my mum!

I’ll post another PPI letter today and hopefully it will reach its destination!

Cheers.

I just thought I'd post on here to vent some anger! I cannot beleive that the second peice of mail has not been delivered either!! I am in such a temper!

I posted it on Tuesday and in my previous experience, if it's not arrived after the second working day you can pretty much bank on the fact that it's never going to get there!!

It makes me sick that we have to put up with this stupendous incompetence from Royal Mail but miraculously they manage to deliver all my bills. Not one has ever gone missing in the post!

It looks like I'm going to have to fork out the £4 odd to make sure it gets delivered....I will wait till tomorrow though....just in case! haha!

Hi All,

I received a letter from Halifax this morning (which is strange because the tracking service states that neither of my letters have been delivered).

Anyways, it's a standard letter stating that they are sorry to hear of my concerns and the FSA allows them 8 weeks to investigate these claims.

Problem is I sent them a letter stating that they have 14 days in which to respond and If I do not hear from them postitively within the next 14 days then I would issue an lba giving them a further 14 days before I issue.

What should I do? Carry on with my original deadline or wait the 8 weeks?

Grateful for any help!

OK. Thanks for the advice aa.

I'll write to them stating that I will give them the 8 weeks they have stated and I will also submit SAR as I've only got a copy of my loan agreement at the minute.

I'm assuming that the points above will be dealt with by different departments so I'll send the letters separately.

Here goes! I'll keep the forum posted on progress!

Cheers.

Hi All,

I thought I'd give an update on the latest!

I decided to stick with the fos route and give Halifax the 8 weeks they stated in their letter.

I have come home this evening to find a letter from Halifax regarding the claim. It states their apologies for not yet sending a full response and I should expect to receive one by no later than 16th June.

Its a pretty bland and standard letter - its signed by a different 'Customer Relations Officer' so it seems like it doing the rounds.

I'll be on tenterhooks until they send me the letter telling me how they're not going to pay up! - I'll keep the thread updated as I go through it. I imagine I'm are nowhere near the ugly part yet!

Cheers.

dude - what address for Halifax did you use to send your PPI claim to ? Need to send one myself. thanks in advance

I would send it here

HBOS
Customer Relations
PO Box 548
Leeds
LS1 1WU

Regards

PF

cheers dude, dropped you a quick note aswell

Sorry, PompeyFC!

I posted the update then left the therad to it. Thanks, Pompeyfaith....that's the address I posted the letters.

Also, I have another update! Over the weekend I had a letter from Halifax telling me that they are going to put me in a postiion had I never taken out the PPI......WooHoo!

I called the girl who sent me the letter to ask what I can expect and she told me it had been passed to another department. It was a bit confusing but I think she said they would send me a check for the amount of PPI I've paid so far plus interest and recalculate my loan as if I hadn't taken out PPI. Both together should wipe the thing out! WooHoo! She also mentioned something about 3 months interest but I didn't quite get that!

If anybody can shed some light on this (unofficial as yet) offer I would be really grateful!

Cheers.

3 Mths interest has this complaint been ongoing for 3 Mths if that is the case then what she is on about is the 8% statutory interest paid on top.

Remember though that this statutory should be calculated on each payment you have made and not on the total amount owed.

This is as per fos guidelines and how they calculate it.

Also bear in mind if this loan is current you will not get the whole policy price refunded,as the loan is ongoing.

But the whole policy price should come off the outstanding loan.

What you should get back though and this should be paid to you is :

The PPI payments made each mth to the Loan plus the interest at the rate they charged you plus 8% statutory interest on each of those payments.

Hope this helps you.

Regards

PF

Cheers PF! That's what i thought. I'm expecting them to pay me the PPI payments to date plus interest and recalculate the rest of the loan left to put it in a state had the insurance not been taken out. I'll let you all know what the actual state of the offer is when it arrives. Cheers

cool, just out of interest how do you stop Halifax renumerating the funds against your loan, we do not want them to do that ( loan is on-going) we want a cheque and for them to then re-adjust the loan accordingly

pompey if they try that stunt remind them that, thats not putting in the position u should be in and if they refuse to back down the