Hi all and thank you for allowing me to join the group.

I would appreciate any advice and help you can offer me.

I have started the process of attempting to claim back for miss-sold ppi on two old personal loans with Halifax both for small amounts £1,000 and both taken over a repayment plan of 24 months.

I have received correspondence from the Halifax clearly showing both loan agreement account numbers at the top of the letter. Sorry I should also state both loans were back in the early 90's.

From the correspondence it appears that they are aware that we were miss-sold PPI or so it appears from the correspondence and have asked for clarification on how we feel we were miss-sold the insurance.

They have also provided me with quite a lengthy questionnaire to complete which I have done to the best of my ability and I have also enclosed a short written chronology of events which I believe lead to the miss-selling of the policy.

So guys my question is this.

It appears that the Halifax still have details of the loans we took out back in the early 90's as they have provided evidence of the 2 account numbers for the loans

which leads me to believe they are just seeking clarification from us as how it was miss-sold but as this is the first time I have ever done this, am I fighting a losing battle considering the time that has passed

Michelle x

hi

have you sent off their form yet, if not hold back atm. the fos form is usually preferable.

banks were obliged to send out poss missell letters where it was obvious. loyds did for eg. which usually ends up in a result.

wait for further input.

Hello and welcome to CAG.

I've moved you to the PPI forum, please continue to post on your thread in the new forum. I've left you a link to follow from the Welcome forum.

HB

hi

have you sent off their form yet, if not hold back atm. the fos form is usually preferable.

banks were obliged to send out poss missell letters where it was obvious. loyds did for eg. which usually ends up in a result.

wait for further input.

Hi, no I have not sent it just yet. I have completed the form and provided a short detailed account of what happened when we applied for the loans.

well don't

use the FOS questionnaire here.

http://www.financial-ombudsman.org.uk/ppi/index.html

id be getting an sar running to them as well before the proof hits the shredders