hi lexis how are you getting on with the ppi situation ?

hi lexis it does seem like we are in a similar situation , although i am going to have to go through the paperwork as i am not sure what his job title is on the agreement , i do know however that they would have known he was self employed , he is a sole trader / contractor/subcontractor and they must know this as the money is transferred into our halifax current account from his natwest business account which is registered in his name , so they either overlooked this and sold him the policy anyway , and they didnt explain all the various loopholes that would prevent him from being paid out , i have looked at your letter and it all looks very good ! . I think i am just going to bite the bullet and write a letter to them and see what happens , i am a bit scared to though as we hold our current account with them and have an overdraft too and i am scared they will turn a bit nasty and close our o/d , but to be honest we are always in it so they are getting enough out of us as it is , also i am going to try and claim for a halifax credit card , i cancelled the payment protection on that about a year ago but didnt think about claimimg on that one , but in august last year they actually shut the credit card down as we were having problems and paid two payments late so we are now paying off the balance but cant use the card do let me know how you get on with them i have heard that they are quite difficult to deal with regarding chrarge reclaim and ppi good luck to you ! when are you sending the letter ?

hi i dont know if i am in the right place here , but my partner has an ongoing loan with halifax which was taken out in 2006 over a five yr term the loan is £17,000 which with interest works out at about 26,000 (arggh) anyway i was going through the paper work recently as i still have it and i think there is a single premium ppi on this loan as this is on a seperate sheet of paper to the loan agreement , the thing is he is self employed (subcontractor) and has been since 2002 , i am sure this policy is miss sold it does say self employed are covered but there is a clause regarding n.i contributions and also i am sure the business has to be completely insolvent so he would have to wind it up completely , in which case we would be practically bankrupt anyway ! ....also he wasnt told he could get this policy elsewhere or explained any terms and conditions i need to go through the paperwork again with a fine tooth comb , it also says we are not allowed to cancel this ppi without them re financing another loan ?? ...if anyone has any advice it would be appreciated do you think i have a claim here ?? thanks