Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I emigrated in February and want to claim back my PPI with Halifax as I believe it was missold.
However I've just received a letter stating that PPI no longer covers me as I'm not a UK resident. They are offering me a refund of premiums backdated to Feb 2009 when I left the UK as long as I apply within 30 days (it's taken 2 weeks to get to me with the postal strikes). Will accepting this refund affect my chances of reclaiming the full amount if it goes to fos? I've attached the image to this post.
I emigrated in February and want to claim back my PPI with Halifax as I believe it was missold.
However I've just received a letter stating that PPI no longer covers me as I'm not a UK resident. They are offering me a refund of premiums backdated to Feb 2009 when I left the UK as long as I apply within 30 days (it's taken 2 weeks to get to me with the postal strikes). Will accepting this refund affect my chances of reclaiming the full amount if it goes to fos? I've attached the image to this post.
Difficult to answer as the thumbnail is not readable and stays as a thumbnail when clicked.
You should if deciding to accept a payment state that the payment is only accepted as a part payment pending a Full and final settlement of your claim for mis-sold PPI and that you will pursue the settlement in full via the FOS and/or the Courts should the claim for mis-selling not be met in full and final settlement by Halifax.
PS IMO you should not just claim back to february but to the date your PPI with halifax started. You should however have a valid reason to claim mis-sold PPI. Please read the stickies at the top of the forum for further information.
THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS loan payment protection insurance and a quote from this link...
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.
There is much more in here and it is worth the time to have a look. Mis-sold PPI? Want your money back? use these links to help
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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.
I have now seen the photobucket link to the letter.
Without knowing the detail of the terms and conditions it would be wrong of me to try to support you with a 100% satisfactory answer. However I will state this.
When it comes to PPI reclaiming the banks or whoever will use whatever they can to put a consumer in following up their claim.
However I've just received a letter stating that PPI no longer covers me as I'm not a UK resident. They are offering me a refund of premiums backdated to Feb 2009 when I left the UK as long as I apply within 30 days (it's taken 2 weeks to get to me with the postal strikes). Will accepting this refund affect my chances of reclaiming the full amount if it goes to fos? I've attached the image to this post.
If you consider you have been mis-sold PPI and have a valid claim on the premiums you paid plus the statutory interest then keep at them.
If the PPI is still attached to the Halifax loan/card etc then you should cancel it but ensure you still have cover if you owe money on the loan/card.
If you have been offered the refund of the premiums as you indicate then you should also IMO claim the statutory interest at 8% on the premiums from the date the premium was paid up until the claim is settled.
Will accepting this refund affect my chances of reclaiming the full amount if it goes to FOS? I've attached the image to this post.
The full amount you could reclaim that the FOS would uphold would most likely be the premiums you had paid plus the 8% statutory interest.
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.
Halifax PPI claim
with Halifax
Reply With Quote
Originally Posted by simnz
