Hi HB Thanks i have tried googling it but i'm afraid noting comes up. I will try the pension tracing again after i try and get more details for the companies he worked for. Regards Alan

Hi HB Yes i dont think he received annual statements but we will keep looking thanks for your help. Alan

Hi HB Thanks i have tried the pension tracing service they only got records of the motor industry pensions plan. They have about 60 companies on there list but non of them are where he used to work. Thanks Alan

Hello Sali did you manage to find out anything about the MOTOR INDUSTRY PENSION LIMITED group. I am also trying to find out for my dad he also had his pension with them from 1982 to 1995. I have contacted almost all the people who deal with lost pensions and had no luck. A s you say the numbers etc are all not recognised and companies house show that they have dissolved in 1998. If you have any info on there services could you please let me know if not i will keep looking thank you for any help. Best regards Alan

Hi Chris sorry for the delay to reply thanks for the templates they wwill come in usefull.I have left it till now as i booked an appointment to see my doctor about it.He told me he think they are pulling a fast one and is going to wright a letter to them as well as i have had a problem with my knee since the age of 21 when i did my ligaments ect.He also statede that he thinks they are playing funny buggers and will do his best to sort this out,and even though i have had my knee draind in the past it has never stoped me from work and this time it twisted and its the only time i have had of due to the cartlage and crusiat ligaments snaping totaly and how was anyone supposed to know that would happen.So i will wright a letter to them as well and see what happens thanks Ajk.

Hi i have just rung the hallifax and they told me i have to put in all down in writing and send it to them.Any one know what to write down or the best thing to say to them ie is it a threatening letter or a complaints letter thanks ajk.

Thanks Chris for the advice so do you think i should ring them or wright a letter and what should i say as im no good with this sort of stuff.

Hi to all can anyone tell me if they have had a credit card claim refused by the halifax.Its just i was of work from January to June 2006 and again from October till January 2007 with a knee injury and had two ops on it and cuold not work as i was on crutches.I did not know i could put a claim in for my protection on my credit card untill someone mentiond it to me.So i rang the halifax they told me i could claim for both periods just back date it sent me all the details ect did what they wanted doctors medical reports,paid for them ect and sent them off in July 2007.Then i got a letter saying they are looking in to the claim and just waiting for reports from my Dr in August.Then i got another saying the same in september.So i rang them to see what was going on as i had alredy sent them my reports,they told me the claim will go through when they recieve the reports from my doctors again and will be proccesed as soon as they recieve this information.Then on Friday just gone i got a letter from them saying my claim is not going to be proccesd due to the details that have been presented to them show that you had this condition when the policy began on 10th January 2004.Medical records show you previously consulted a medical practitioner in relation to this condition or related condition on 2nd October 2002 and 9th January 2004.Pre existing conditions are excluded because the increased risk they represent.Where a conditin is existing when a policy begins or where it reqired consultation or treatment during the 12 months before the start of the policy.The thing is i have had surgery on my knee for ligiment and cartlage damege since i was 21 years i have had fluid draind from my knee a couple of times when it has flaird up.But this time i twisted it at work on the 9th Dec 2006 my last day of work then it swole up so i went to the hospital to see if they could drain it wich they did it was fine again as normal.Then working at home i was under the floor working and kneeling down and it flaird up so i went back they did the same to cut a long story short they did not know why it kept flairing up and would not drain it incase of an infection geting in.In the meen time i was in so much pain they told me i had to keep my waight of it and use crutches,pain killers as it was so bad while i waited for a rmi scan to see what the problem was and i got that in March 17th wich showd cartlage and crucial ligament damage and told me i could carry on as it is if they inject steroids in to stop it flaring up again wich they did so i ended up in a wheel chair for 4 days in hospital and then it was a case of build my muscls up no physio and had to wate to see if the company doctor would let me back to work.June 13th back to work still a bit of pain not much went back to see consultant who was not happy that i could not straighten my leg and wanted me to go back in to hospital for an operation to remove the cartlage and shave round the knee cap so i could get my leg straighter,October 9th back in hospital for the op only two days and back out and phisio up untill i was reliesed as i sterted jogging jumping ect no problems built the muscles up all fine now.So i do not understand why the Halifax will not pay me out and why do i pay the protection cover and while i was off i still kept up payments even though i was struggeling i must of mist a couple by the due date and got charged for them but always kept paying.So as you can probebly understand i am not very happy with them and was hoping if any one knew what i can do about this.I sent one of to mbna at the same time no problems they just paid up and my norwich union insurance no problems its just the Halifax can you send any sugestions on what i can do about this as i feel imm been ript off by them thank you Ajk.

Hi thanks for your reply should i send another letter to them saying i do not agree and i would like to take more actions against them or what would be the best action to take now thanks Ajk

Hi Hedgerow vbmenu_register("postmenu_762752", true); thanks for your email sorry for the delay i sent a letter to the halifax with the dates ect of the charges,and was waiting to get a reply before coming back to you.Well today i got a letter back from them saying that they have carried out an investigation of my complaint and they are satisfied that the charges have been correctly applied to my account.They say i opend the account and agreed to there terms and conditions which explained that charges would be applied if you did not keep to the termss of the account.We apply these charges because when customers have insufficient funds in their account to cover a payment this means additional work for them as a result they feel it is reasonable to charge for this service.I would not mind but i have been short by pence for a direct debit can i still claim or is it not worth the effort i worked out its only around £280.00 and all for up to 4p short in my account thanks Ajk

Hello to all.Just a quick one about late charges.I have got on the phone to the Halifax about late credit card charges,to ask for statements for the past six years,and they told me that if its for puting a claim in for charges it is only for current bank accounts not credit cards or late payments is this right.Then he stoped what he was telling me and says he should not be telling me this and told me there was a fee of £10.00 for the statements for credit cards and i have to send a letter to them for the statements and went of the phone ? with no address to send to.Ajk