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Hello, and thanks for all your advice, I really should know better!
I have an unsecured loan with Halifax, had PPI but cant find the paperwork, I remember trying to say no to it but he clerk was really pushy about it, asked some questions about my insurances etc, I agreed as I desperately needed the loan, I was getting the impression I 'should take it'.
I will SAR the bank for a copy but I think it was a lump sum probably added to the loan up front.
I believe I am still paying this as part of the loan monthly repayments which are taken directly out of my account. I am not aware of any seperate paperwork regarding an insurance policy, should I have this?
'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819
Halifax should have sent out all of the PPI info when they sent you your loan agreement.
You should have a booklet explaining what you can claim for, and how to make a claim.
If you don't already have this it MUST be included with your SAR account info when it arrives. If it doesn't, you want to know why.
PPI should always be optional, it sounds like you never wanted it in the first place.
I would look at asking for a refund, especially if you have never claimed on the policy.
Good luck
9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
20-1-07 S.A.R - (Subject Access Request) sent Capital One
20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
20-1-07 S.A.R - (Subject Access Request) sent Marbles
20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
22-5-07 Halifax *Won* £1025
23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
update - dug around and found paperwork! something called a'DEMANDS AND NEEDS STATEMENT based on what you have told us - our recommendation and the reason for making it' -
this is to cover them for selling the PPI to the customer but does not accurately reflect what is going on in the shop floor in the bank when requesting the loan, I definately felt pushed into taking PPI, but this document says that i was unable to provide full deatails of existing cover or have uncertain provisions. ?? does this make it alright?
'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819
update - dug around and found paperwork! something called a'DEMANDS AND NEEDS STATEMENT based on what you have told us - our recommendation and the reason for making it' -
this is to cover them for selling the PPI to the customer but does not accurately reflect what is going on in the shop floor in the bank when requesting the loan, I definately felt pushed into taking PPI, but this document says that i was unable to provide full deatails of existing cover or have uncertain provisions. ?? does this make it alright?
Please read through the following links which are available in the stickies at the top of this forum, they should help you.
Quote:
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.
The full link gives the full story.
there is much more available and with a bit of search and research all should become clear and enable you to claim your money back.
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I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
thanks for this - I definately feel I have a valid claim on several counts and will press ahead, I will come back with regular updates on how it goes!
'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819
thanks for this - I definately feel I have a valid claim on several counts and will press ahead, I will come back with regular updates on how it goes!
Please keep posting and asking questions if you need to. Good luck
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819
halifax PPI on unsecured loan
, had PPI
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Originally Posted by maybelline
