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halifax PPI repayment but on a card i defaulted on
Hi
Following my first letter to Halifax credit Card they have confirmed, on 8th October 2009 that they will refund my payments plus interest a grand total of £4040.02 to my card!!! - thank you for the information which has been posted on this site to assist me in getting something back
They have confrimed that they will pay this amount back onto my card as i have defaulted on it.
They have previously confrimed that they are unable to provide me with a copy of the eecuted credit agreement, in July 2009, and that as i have never disputed this before they will not accept that it is uneforceable.
I wrote to them again on 24th September stating that i feel that my account is in dispute due to them not having being able to provide me witha copy of the agreemnt back in July however despite this having been sent by recorded delivery they have not acknoledged or replied to it - any ideas as to what to do next?
Also can Halifax offset the refund money to pay back into the account when it is in dispute??
Re: halifax PPI repayment but on a card i defaulted on
Originally Posted by tiger1506
ok - thanks - wasnt too sure where it should sit due to it not being totally PPI related as also account in dispute
thanks
Your case should be in at least two forums
It looks like you are getting a refund on your PPI and that is nice. IMO the bank can offset any refund from one account to another IE if you have a refund on one account but are in arrears with another they can legally use one lot of credit to offset debit on another account in your name.
Just to give you an example.
I am currently dealing with PPI that has been added to a loan that has ended up on a debt managment plan. The loan was a refinanced loan from a joint account to a single named account. The single named account went on to become the issue of a debt management plan.
Claims for mis-selling of PPI were lodged.
The Joint account realised a refund by cheque the single account on the debt management plan realised a refund thereby reducing the outstanding debt.
keep posting for more assistance.
aa
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.
Re: halifax PPI repayment but on a card i defaulted on
Hi, tiger.
Don't think you can have it both ways, they say they will refund your PPI payments, you feel they should not pay it into your defaulted account as they have said they cannot come up with an agreement.
Them not having an agreement does not mean the debt does not exist, they are just unable to take you to court for it.
I really don't think there's much you can do about it, could be wrong, that's just my opinion.
Regards.
Scott.
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halifax PPI repayment but on a card i defaulted on
credit Card they have confirmed, on 8th October 2009 that they will refund my payments plus interest
- thank you for the information which has been posted on this site to assist me in getting something back
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Originally Posted by tiger1506
